Sequenced calculations
Build a price as an ordered sequence of steps, each targeting what it contributes to—so the calculation reads as a chain you can follow, not a formula nobody dares touch.
PRICING ENGINEPricing that lives
Pricing that lives
beside the product
Rating is not a spreadsheet bolted onto a policy system. Raters are authored against the product they price, versioned like the product is, and explicitly registered to the particular product version.
AUTHORING
Build the price the way an actuary would explain it.
A calculation you can read is a calculation you can change. Every element below is configured in the engine's own UI.
Factor tables
Keep rating factors in editable tables rather than buried in logic. Change a rate without changing the structure that applies it.
Versioned raters
Every rater carries versions you publish or disable explicitly. Yesterday's pricing stays intact and inspectable after today's goes live.
CONFIDENCE
Change pricing without holding your breath.
Most rating incidents are not wrong arithmetic. They are a version going live before anyone checked what it touched.
Test a step before you ship it
Exercise an individual calculation step against real inputs and see what it produces—before the version is published to anything.
Diff the rater against the product
Check a rater version against the product it prices, so a coverage added on one side does not silently go unpriced on the other.
Portable rater bundles
Export and import raters between environments, so pricing promotes alongside the product configuration instead of being rebuilt by hand.
ARCHITECTURE
A separate engine, on purpose.
Rating scales independently of everything else.
The pricing engine is its own application with its own database. Quoting load is the spikiest thing an insurance platform does—campaigns, aggregators, renewal runs—so it scales on its own curve rather than dragging the policy system along with it. Products register with the engine explicitly, which is also what makes the boundary auditable.
CONNECTED
One product definition, priced end to end.
From coverage decision to quoted premium.
The engine prices against the same product structure your team configured—the coverages, plans and attributes are the inputs, not a re-keyed copy of them. Quotes reach it through the platform, and your distribution partners reach the same pricing through the external quoting API.
SEE IT HANDS ON
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