Cogitate Rater is an innovative, modern, and flexible rater providing real-time rate response based on risk information for multiple lines of business, for multiple carriers. Built with Cogitate’s proprietary Adaptive API framework it can be quickly integrated with multiple carriers. Rater is further supported with a user-friendly interface for business users to configure various rates and rules, if and when needed. The interface provides full control in the hands of business users for adjusting the rates and rules to get to market quickly. Cogitate Rater maintains all versions of different configurations added over time and provides flexibility for business users when comparing current and previous rates and retrieving older rate configurations if needed. Rater also comes with built-in Book Analysis feature where users can analyze the impact of a rate change on the existing book of business.