AI that knows your book, learns your process, and delivers work an actuary will sign.
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Every deliverable ships with a verification packet — think of it as dashcam footage for AI work. It shows what was used, what was computed, and where it all came from. An expert can confirm correctness without retracing the entire analysis.
This is the foundation everything else is built on. The agents do the research, the extraction, and the assembly. You stay where your expertise matters — reviewing the logic, not reproducing it.
Click any number. See exactly where it came from.
The work that determines profitability — interpreting filings, building raters, understanding regulatory nuance across 50 states. It still runs on manual effort and institutional memory.
For the most valuable work — building a rater, producing competitive analyses across commercial lines, preparing multi-state compliance exhibits. There is no software. The status quo is consultants, spreadsheets, and months.
The people who own this work — actuaries, product managers, underwriters, compliance teams. They decide which markets to enter, how to price risk, and when to move. Their constraint isn't knowledge. It's time.
A decade of regulatory filings across thousands of carriers and all 50 states — structured, searchable, and ready for analysis. Ask a question about any market and get a cited brief: which carriers write it, how they price it, what objections regulators have raised, and what's changed recently. Every answer links to the source.
Every number links to the filing, page, and table it came from.
Define the cohort. Select the carriers. Run the comparison.
We turn public rate filings into working rating algorithms. Pick a state, select your competitors, define a population. Our agent runs the simulation and breaks down where you win, where you lose, and why, down to individual rating factors. Personal auto, homeowners, and commercial lines that have never had competitive pricing tools.
Ask follow-up questions in plain language. “Show me where I’m more than 10% above market in South Florida.” “What if I drop my rates 3%?” No batch jobs, no quarterly refresh cycles. Just a conversation with an agent that can re-slice the analysis as fast as you can ask.
Rate implementation is one of the most labor-intensive processes in insurance. Thousands of pages of filed tables, territory definitions, class plans, and exception logic. Each one manually reviewed, extracted, cross-referenced against years of prior filings, and coded into a system that can actually quote a policy. Months of calendar time and $20–30K per state in consulting fees, multiplied across every jurisdiction.
Effective's agents read the filings, extract every rate table and rule, and produce a complete executable rater. A formal verification language captures the rating logic in a readable, auditable format. It surfaces it to the user through a verification workflow designed for expert review. The actuary doesn't re-derive the rater; they verify the logic the agents produced, rule by rule, each one traced to its regulatory source.
Works with your existing rating engine
Exports to Guidewire, Duck Creek, Majesco, or any system you already run. No re-platforming required.
200+ agents. 10,000 pages. 12 hours. Every rule verified against its source.
Filing preparation, exhibit generation, objection responses, precedent research — each task requires
deep familiarity with state-specific rules, DOI expectations, and years of historical filing patterns.
Exhibit generation
Filing-ready exhibits with loss development, rate need, and competitive positioning data — formatted to each state's expectations, every figure cited.
Objection response
When a DOI raises a question, research how similar objections were resolved across jurisdictions. Surface the precedent. Draft a response grounded in evidence, not memory.
Regulatory monitoring
Track rule changes, filing activity, and objection patterns across your target states. Get alerted to what matters before it becomes a surprise.
Exhibits cited, objections answered — every figure traceable to its source.
Built by a compliance analyst. Runs in production. No engineering ticket required.
The most experienced people on your team carry institutional knowledge that lives nowhere but their heads: the way they evaluate a submission, the checks they run before filing, the nuances that differ by state. That expertise is fragile. It doesn't scale, it doesn't transfer, and it disappears when they do.
Effective lets domain experts describe their workflows in conversation and build working applications. The expert teaches the system their process, and it becomes infrastructure anyone on the team can run.
Every app the platform builds is real, version-controlled code in your own repository, not a chat transcript that disappears. These aren't prototypes. They run in production, they're auditable, and they're yours.
Insurance runs on three pillars: data, expertise, and modeling. For decades, accessing any of them at scale meant long engagements with consultants or multi-year platform integrations.
We are building the infrastructure that collapses that timeline. Regulatory data is structured at the source, expert reasoning is encoded into agents that improve with every task, and actuarial models can be generated, validated, and deployed in hours instead of quarters.
Four things we decided early that shaped everything we built.
The output should be finished work.
A completed rater, a cited exhibit, a competitive analysis, formatted to the standard regulators require. Your job is to review it, not finish it.
The system should get smarter every time it runs.
Agents encode what they learn as code — domain knowledge that compounds across every engagement, not chat context that resets.
Expert time should go to expert judgment.
Rate implementation, commercial lines market baskets, multi-state exhibits. Work that consumed your best people's time because the tools didn't exist. Now they do.
The platform should work the way your team does.
Domain experts describe their process, and it becomes a working application anyone can run. Version-controlled code in your repository, customized to your workflows, and yours to keep.
Built for insurers and MGAs operating across 50 states.
SOC 2 Type II
Compliant
Zero data retention
Configurable — not stored by default
Admin controls
SSO/SAML, RBAC, audit logs, SIEM export
Data privacy
No model training on your data. Private connectivity.
