Read any filing, not just find it
Extract rate structures, ROC, and actuarial memos from 600-page PDFs. Page-level citations on every claim.
forActuaries
Effective AI for Actuaries
Less time pulling data. More time on the analysis that matters. An agentic workforce built around what actuaries actually do: reserving, pricing, benchmarking, and filing.
Book a DemoAutomate the quarterly grind
Delegate indicator waterfalls, method comparisons, and rate indication to agents that run in parallel. Audit-ready outputs.
Know where the market stands
Benchmark your LDFs, trend selections, and credibility approaches against a peer set. Before your next filing meeting.
How actuaries
use Effective AI
Ask about any carrier in plain language. Effective AI resolves entity ambiguity across SERFF, reads the memo, locates the Rate Order of Calculation, and returns a cited answer. Not a list of documents to open. Every claim traces to a specific page. Context persists per product across sessions.
Connect your loss data, define the product, and run Chain Ladder, Bornhuetter-Ferguson, Cape Cod, and three additional methods in parallel. You get a reserve range and a change-from-prior narrative. Quarter-end prep that used to take days, delivered before the committee meeting.
Compute indicated rate change end-to-end. On-level premium, loss development, trend selection, credibility, expenses, profit load. The Actuarial Entry aid encodes the indicated formula. You review the waterfall and sign off. Not the arithmetic behind it.
Price the same risk through five competitor raters side-by-side. See how each rating factor moves your premium versus theirs. Where you're own-priced by segment. Where the market has moved since your last filing. One session. No spreadsheets passed around a meeting room.
A sandbox app per product that refreshes nightly. Loss trajectories, indication waterfall, peer rate moves, reserve adequacy, top-5 sensitivities. Stack alert when any competitor crosses a threshold. The quarterly reserving review auto-triggers at quarter-end and drops into your inbox before the committee meeting.
Peer Benchmarks · TX Personal Auto · BI
7-carrier peer set · accident years 2020–2024
YouProgressiveGEICOAllstateState FarmLiberty MutualUSAA
BI annual loss trend
6.3%
selected · 5y prospective
below median (+3% … +11%)
BI tail LDF (24+ mo)
1.038
development factor
above median (1.010 … 1.060)
Full credibility (claims)
1,082
classical · 90/5
at median (500 … 1,800)
On-leveling method
Ext. exp.
approach selected
market norm
You · Market median · Peer carrierSpread tightens as the market hardens · 2 selections drift >1σ
ALSE-134612904 · 612 pages
Rate & Rule Manual — Allstate Homeowners CA
PDF source
Rate Order of Calculation · located on p.198
01 Base Premium02 × Territory Factor03 × Protection Class04 × Construction & Age05 × Wind/Hail Factor06 × Credit Tier07 + Fixed Expense08 = Final Premium
Citation · Rate & Rule Manual · p.198 · §4.B
“The final premium for each coverage shall be calculated by multiplying the base premium by the applicable territory factor, protection class factor, construction-and-age factor, and wind/hail factor…”
Exhibit 4.B.1 · p.201Open in filing →
Every step in the ROC traces back to its source page. Your team reviews conclusions, not raw documents.
Watchlist · Personal Auto
9 carriers · 14 states · monitoring since Jan 2026
Progressive filed +14.2% in TX Personal Auto — exceeds your 10% threshold.PRGS-134567823 · approved Apr 18 · pure rate +9.8% · territory rebase +3.1%
2d ago
Allstate changed the wind/hail factor structure in CA Homeowners — 8 territories rebased.ALSE-134612904 · structural change · prior factor 1.18 → 1.42 (zone 14)
5d ago
Liberty Mutual launched a new program in FL Commercial Auto — small fleet appetite.LBRY-134771204 · BizFleet · ≤9 vehicles · BOP-attached
1w ago
GEICO filed +11.7% in TX — second double-digit revision in 12 months.GECO-134554108 · approved Apr 02 · trend refresh + symbol update
3w ago
> Which carriers filed for more than 10% in Texas personal auto this year?⏎ Ask
Peer Benchmarks · TX Personal Auto · BI
7-carrier peer set · accident years 2020–2024
YouProgressiveGEICOAllstateState FarmLiberty MutualUSAA
BI annual loss trend
6.3%
selected · 5y prospective
below median (+3% … +11%)
BI tail LDF (24+ mo)
1.038
development factor
above median (1.010 … 1.060)
Full credibility (claims)
1,082
classical · 90/5
at median (500 … 1,800)
On-leveling method
Ext. exp.
approach selected
market norm
You · Market median · Peer carrierSpread tightens as the market hardens · 2 selections drift >1σ
Watchlist · Personal Auto
9 carriers · 14 states · monitoring since Jan 2026
Progressive filed +14.2% in TX Personal Auto — exceeds your 10% threshold.PRGS-134567823 · approved Apr 18 · pure rate +9.8% · territory rebase +3.1%
2d ago
Allstate changed the wind/hail factor structure in CA Homeowners — 8 territories rebased.ALSE-134612904 · structural change · prior factor 1.18 → 1.42 (zone 14)
5d ago
Liberty Mutual launched a new program in FL Commercial Auto — small fleet appetite.LBRY-134771204 · BizFleet · ≤9 vehicles · BOP-attached
1w ago
GEICO filed +11.7% in TX — second double-digit revision in 12 months.GECO-134554108 · approved Apr 02 · trend refresh + symbol update
3w ago
> Which carriers filed for more than 10% in Texas personal auto this year?⏎ Ask
The right intelligence, for the right team.
Watchlist · Personal Auto
9 carriers · 14 states · monitoring since Jan 2026
Progressive filed +14.2% in TX Personal Auto — exceeds your 10% threshold.PRGS-134567823 · approved Apr 18 · pure rate +9.8% · territory rebase +3.1%
2d ago
Allstate changed the wind/hail factor structure in CA Homeowners — 8 territories rebased.ALSE-134612904 · structural change · prior factor 1.18 → 1.42 (zone 14)
5d ago
Liberty Mutual launched a new program in FL Commercial Auto — small fleet appetite.LBRY-134771204 · BizFleet · ≤9 vehicles · BOP-attached
1w ago
GEICO filed +11.7% in TX — second double-digit revision in 12 months.GECO-134554108 · approved Apr 02 · trend refresh + symbol update
3w ago
> Which carriers filed for more than 10% in Texas personal auto this year?⏎ Ask
Filing Intelligence
Read competitor rate filings the way your best analyst would. Carriers resolved, ROC located, rating factors extracted, every claim cited to a page.
See How It WorksALSE-134612904 · 612 pages
Rate & Rule Manual — Allstate Homeowners CA
PDF source
Rate Order of Calculation · located on p.198
01 Base Premium02 × Territory Factor03 × Protection Class04 × Construction & Age05 × Wind/Hail Factor06 × Credit Tier07 + Fixed Expense08 = Final Premium
Citation · Rate & Rule Manual · p.198 · §4.B
“The final premium for each coverage shall be calculated by multiplying the base premium by the applicable territory factor, protection class factor, construction-and-age factor, and wind/hail factor…”
Exhibit 4.B.1 · p.201Open in filing →
Every step in the ROC traces back to its source page. Your team reviews conclusions, not raw documents.
Loss Reserving & IBNR
Run six reserve methods in parallel. Get a range chart and change-from-prior narrative. Quarter-end prep that used to take days.
See How It WorksPeer Benchmarks · TX Personal Auto · BI
7-carrier peer set · accident years 2020–2024
YouProgressiveGEICOAllstateState FarmLiberty MutualUSAA
BI annual loss trend
6.3%
selected · 5y prospective
below median (+3% … +11%)
BI tail LDF (24+ mo)
1.038
development factor
above median (1.010 … 1.060)
Full credibility (claims)
1,082
classical · 90/5
at median (500 … 1,800)
On-leveling method
Ext. exp.
approach selected
market norm
You · Market median · Peer carrierSpread tightens as the market hardens · 2 selections drift >1σ
Pricing & Rate Indication
Compute indicated rate change end-to-end with the full actuarial chain. You review the waterfall, not the arithmetic.
See How It WorksWhat Customers Say
Learn More
"I was able to answer business questions in parallel, build a rating algorithm from scratch in minutes, and validate the output against our existing market data and knowledge."Farhan Husain
Chief Underwriting Officer, FutureProof Technologies
