Pricing & rater deployment: From filed manual to callable API

Rate changes in days, not months.

Most rate plans live as a 60-page filing and a spreadsheet one person can run. That person is a key-person risk nobody has priced. Send the filing, the workbook or the script, and what comes back is a versioned rater with a test suite behind it.

From a requested change to a filed, live rater.

A rate change takes months and almost none of it is actuarial work. It is a ticket waiting on developer capacity, a rater re-coded by hand from a document that already describes it, and exhibits reformatted for the next state. Then a release window that arrives when it arrives.

What happens in those two days.

Author, reviewer and approver are different people.

Promotion is the part your auditor asks about, so it is three environments rather than three permission levels. Actuaries build in dev, QA validates in test, and underwriters only ever see a version an approver signed. The record of who moved what outlasts the people who moved it. Before anything reaches prod, a rate change trauma study re-rates your in-force book at the proposed rates, and any policy past your guardrail stops the deploy until somebody has looked at it.

Got a rate change you are dreading?

Bring it over, fifty states of exhibits and all. Check what comes back against the manual you filed.

Rater from a competitor filing

Read the SERFF filing, reconstruct the rate plan, stand up a callable quoting API.

Rater promotion with rate change trauma study

Re-rate the in-force book at the proposed version, surface outliers, gate on guardrails.

Quote a complex submission

Submissions hit the rating API and return a bindable quote with the audit trail attached.