Rating
Price generation — rate tables, factor-based pricing, AI-driven rate decisioning.
Vendors by generation
AI-native (2)
- Akur8
AI-native actuarial pricing and reserving platform. Machine-learning models automate the GLM pipeline actuaries used to build in SAS or R, with interpretability and regulatory-filing outputs shipped in the product. $120M Series C at a $400M valuation in September 2024.
- Hyperexponential
AI-native pricing decision platform for specialty and London Market (re)insurance. Its hx Renew product lets actuaries and underwriters build, deploy, and iterate pricing models in code, then hand a usable interface to the underwriting floor.
Modern SaaS (1)
- Earnix
Real-time rating, pricing, and dynamic decisioning platform for insurers and banks. Deployed alongside Guidewire PolicyCenter and other PAS systems to externalise pricing logic from the core policy system. The modern-rung incumbent in rating-and-pricing.
Legacy
No tools on this generation yet.
Carriers named on this layer
Every carrier publicly cited by any vendor on the Rating layer. Appearance here means the carrier is named in at least one fiche on this layer with a source.
- AEGIS London
- Aviva
- Co-operators
- Conduit Re
- Convex
- Domestic & General
- Gore Mutual
- HDI
- Link4
- Markel Insurance
Recent news on this layer
About this layer
Phidea classifies every tool into one of 16 canonical US insurance stack layers, chosen by the tool’s centre of gravity rather than its newest feature. This page is the single URL for everything on the ratinglayer — the vendors, the carriers that use them, and the news that’s moved the category recently. Generation classification (legacy, modern saas, ai-native) is defined on the methodology page.