Cogitate Rater

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Cogitate Rater is an innovative, modern and flexible rater that provides 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. Easy interface provides full control in hands of business users for adjusting the rates as well rules and go 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 in users can analyze the impact of rate change on the existing book of business.

Key Features

Ease of Use

1. Low Code, No Code capabilities - Configurable by business users without IT support.

2. Plug-n-play solution with out-of-the-box integration with multiple carriers and easy expansion capabilities.

3. Maintains versions of rates added over time and provides comparison capability if need be.


1. Line of Business agnostic, it has capabilities for rate rules management for any line.

2. Pre-integrated ‘book analysis module’ to assess impact of rate change on the books.

3. Distribution channel agnostic with built-in SSO integration.

4. Ready to use for the following LOBs under Personal and Commercial Lines:

Personal Lines:

a. Personal Auto

b. Personal Property (Homeowners, Dwelling & Fire, Condominium, Rental)

c. Personal Umbrella

Commercial Lines:

a. Builder's Risk

b. Commercial Transport

c. Cyber Liability

d. Commercial Property

e. General Liability

Key Benefits

1. Serve customer quickly with reduced time to market for introduction of new rates and new products with our 'low code no code' capability

2. Improve customer experience and increase retention with quotes from multiple carriers in one place.

3. AI based adaptive architechture makes it an easy to use and highly confiurable product to suit your specific needs.

Product/Service details