The critical requirement is immediate processing upon customer submission, with a typical compute duration of about 10 seconds. This is an ideal fit for a synchronous, request-driven, serverless pattern: API Gateway + AWS Lambda. API Gateway provides a managed HTTPS front door for the application, handles request validation/throttling if needed, and integrates directly with Lambda. Lambda is designed for short-lived computations, scales automatically with request volume, and can complete 10-second tasks well within typical Lambda execution limits.

Option A therefore meets the requirement with low latency and minimal operational overhead. When a customer submits data, API Gateway invokes the Lambda function immediately, and the function returns the calculated premium response. This preserves an interactive user experience and avoids provisioning or managing servers. It also handles bursts gracefully because Lambda concurrency can scale quickly, and API Gateway can absorb high request rates.

Option B is unsuitable because launching a Spot instance per upload introduces significant startup latency (instance launch time) and is not reliable due to Spot interruptions. Option C and D are not “immediate”: Transfer Family is for file transfers, and scheduled EKS jobs or Batch jobs introduce queuing and scheduling delays. While Batch can be event-driven, it is typically used for longer-running or batch-oriented workloads and still has job-start overhead compared to Lambda.

Therefore, A best matches the requirements for immediate execution, scalability, and low operational burden while maintaining responsive performance for customers.