Earnix Enterprise Rating Engine

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Earnix delivers Intelligent Insurance Operations through our real-time AI-driven rating engine, dynamic pricing, product personalization, and fully operationalized telematics solutions.

We integrate seamlessly with existing systems and add the layer of intelligence needed to create fully connected organizations. We enhance all aspects of operations through powerful automation, best-in-class analytics, robust governance, and autonomous monitoring. By combining these best-in-class technologies with dynamic decisioning capabilities, we empower carriers to scale experiences, reduce their time to market, and continuously innovate their offerings.

Key Features

Unified Software System

With Earnix there's a single source of truth throughout the ratemaking process, eliminating points of failure, handoffs, delays, and errors to create more accurate and profitable rate plans that are seamlessly deployed into production.

AI-powered Analytical Pricing

Leverage advanced analytics for data and risk modeling, pricing strategy selection, pricing impact assessment, monitoring and tuning, and pricing development. Earnix’s powerful solution comes with embedded AI and ML with the flexibility to connect natively to third party data providers and to seamlessly import your existing models through our open platform.

Ratemaking Automation

Automate virtually any step of the pricing and rating process, including data loading, management, and modeling, project re-creation, re-rating, monitoring, producing a complete set of state filing documents, and scheduling tasks.

Business Simulation

Predict opportunity and potential volume and profit trade-offs by running business simulations such as what-if scenario testing with the ability to change rates/factors/rules quickly and observe the predicted impact on the book of business, rating-factor optimization, and simulating rerating of large datasets or single profiles.

Behavioral-based Personalization

Create personalized offers that are right for your customer and for your business, including policy definition and bundle optimization.

Real-time Rate Deployment to Production

Promote rates directly from the analytical space to the live production environment with confidence supported by approval check points and full governance of the entire rate making and rate deployment process.

Comprehensive Monitoring and Reporting

Instantly define the impact of your price changes by monitoring the performance of offers in the marketplace across digital channels and continue to iterate and improve pricing with closed loop monitoring. Generate standard or custom reports without having to export data to an external reporting or BI tool.

Hosted in the Cloud

Ultra-fast request response, rapid scalability, and the convenience of proactive maintenance and product upgrades, all managed by Earnix.


Integrate driving behavior data with current risk data to model risk, price a UBI offer, and bill customers based on actual usage. Collect data with a state-of-the-art an app that includes advanced modules for telematics that can meet different customer needs including mileage based, usage based, FNOL, and engagement.

Key Benefits

  • Earnix offers iterative implementation and deployment, to provide significant value fast.
  • Significantly reduce errors and accelerate the time-to-market of new product offer and price decisions.
  • Ultra-fast, scalable performance - generate precise offers in milliseconds, not minutes and implement new strategies in days, not months.
  • Increase competitiveness with sophisticated pricing through use of advanced analytics, machine learning, and data visualization.
  • Reduce the effort of regulatory compliance with complete data and model governance.
  • Increase conversion and retention with personalized customer experiences - real-time, individualized offers - to make every interaction between a carrier and customer feel like a one-on-one connection.
  • Improve operational agility by connecting existing systems, new technologies, and diverse teams to create more focused and flexible solutions.


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