Admitted Carriers: Filing-driven rating with SOX-grade audit

Competitive analysis once thought unthinkable

What used to take weeks now takes minutes: reconstruct competitor rate plans, run your book through them, and keep every input and output preserved for review.

Six carriers, 2,000 risks, 18 parsed filings. Win share, ridgeline of premium distributions, and twenty representative risks priced side by side.

A competitor's filing drops Monday. The committee meets Friday

A new SERFF filing hits the public docket and the question is the same every time: what changed, what does it do to our book, and is there an indication to follow it. The work used to take days of hunting the manual, reconstructing the formulas, and running exposures. By the time the answer arrives, the committee has already moved on.

Tesora reconstructs the competitor rate plan, diffs it to the prior version, and runs your in-force book through it overnight. Every factor change is cited to the page. Every result is reproducible against the same data and the same standards months later, when the DOI asks how the analysis was done.

Capabilities the admitted pricing team leans on

Two agents carry the admitted desk.

Specialty desk instead?

Reproducible competitive analysis

Reconstruct competitor rate plans from public filings and run your book through them, apples to apples. Every step recorded, every input preserved.

GLM development support

Develop GLMs from your own data, or reverse-engineer a competitor GLM. Agents help with curve fitting, segmentation, and the defensibility memo.

Rate filing assistance

Help with the filing itself and with responses to objection letters. The full analysis trail is preserved for the regulator review.

Multi-competitor comparison

Run your book of exposures through multiple competitor rate plans in one pass, where the time used to be spent hunting filings and rebuilding them one by one.

Rating Agent

From filed manual to callable rater.

Author the change, regress against the in-force book, gate promotion through dev → test → prod, and ship a versioned pricing API.

Insight Agent

From SERFF filings to defensible briefs.

Parse competitor filings, diff against your in-force book, and produce rate-committee + DOI prep packets with every claim cited.