This month's releases let you size up any carrier or product in your market, compare forms side by side in minutes, and share what you find wherever your team works.
Know your market
Pricing and product decisions start with knowing what everyone else has filed. In October, we put the whole market in one place and made it possible to price your own book against it.
The Directory
The Directory brings together the products, raters, carriers, and MGAs in your market, built from public filings and annual statements.
- Size up a carrier: See its premiums, results by line, and Schedule P loss triangles, plus every filing it's made.
- Compare products: Put two products side by side, coverage by coverage, and see where each is marketed.
- Follow the market: See every rate and product change over time, plus objection letters and regulatory documents.
Relativities
Relativities lets your team run competitors' filed rates on your own book of business and compare them with yours, right in Python.
- Compare premiums: See how each competitor's premium stacks up against yours, policy by policy.
- Understand the gaps: Break the differences down by territory, coverage, or any other factor.
- Test a change before you file: Try a new deductible or rate and see how it moves you against the market.
Review forms faster
Comparing endorsements used to mean reading them side by side, line by line. Now Effective does the reading and shows you where every difference comes from.
Form Comparisons
Form Comparisons puts two to eight versions of a form side by side, whether it's your endorsement against a competitor's or one edition against the next.
- See what differs: Each point compares the versions in plain terms and cites the page it came from.
- Test real situations: Add scenarios and see how each version would respond.
- Know what's missing: Gaps flags what the forms leave open, like a missing base policy.
- Share it: Report puts the whole comparison in one document.
Share what you find
Research only pays off once your team sees it. Effective can now turn what it finds into a short video anyone can watch.
Videos made for you
Ask Effective for a video, and it makes a short, captioned one from a filing, a form, a record, or the Directory, with every number sourced.
- Explain a filing or form: Walk your team through what changed and why it matters.
- Brief on the market: Turn a competitor's rate history into a one-minute update.
- Demo your work: Show off an app or a page you've built.
Work where your team already works
Your team shouldn't have to switch tools to use Effective. You can now reach it from ChatGPT, and soon from your own systems.
- Effective in ChatGPT: Add our plugin and ask about carriers, products, and filings right in ChatGPT, with answers backed by the filings themselves. Add the plugin.
- The Effective API: We're building an API that brings our insurance data, specialist tools, and agents into the systems your team already uses. It's in alpha with a small group of customers, and the docs are open.
Smaller improvements
Smaller changes that make everyday work in Effective faster.
- Talk with Effective by voice: Ask questions and hand off requests out loud, then hear the results. Captions and mute are built in.
- Bookmark a message: Save any chat message with a note, so you can get back to the exact answer later.
- Start from your team's skills: The home page now suggests your team's skills first when you start a chat or an Outcome.
- Set your organization's model standards: Admins can add options like "Standard" or "High performance" to the model picker and choose the model behind each one.
- Send feedback from any page: Attach a screenshot, cover anything private before it leaves your browser, and follow the status and our replies.
- What's new in Effective: Each weekday, a short note on your Mission Control's overview shows what we've just shipped.
- New models: Claude Sonnet 5.5, Claude Haiku 5.5, GPT-6.1 Sol, and Gemini 4 Argon are now available.