Insurance Rating & Calculation Engine
Centralize underwriting logic
Bring pricing, rating, appetite, and authority logic into one governed platform. Make it callable by workflows, APIs, and agents — and auditable across every change.
Ship models faster
Build calculation logic through Python, low-code configuration, or built-in AI agents. Move changes from draft to versioned deployment through a governed release process.
Integrate without replacing
Connect into existing workflows, APIs, and systems from day one. Expand to end-to-end underwriting over time — value compounds as coverage grows.
Where actuarial judgment compounds
When pricing logic lives in one actuary's spreadsheet, every update needs their sign-off. Every departure takes the model with it. With hx, that logic becomes versioned and governed — callable by underwriters, workflows, and AI agents alike. All of a sudden, actuarial insights can manifest as firm-wide capability, not just a spreadsheet.
When pricing logic lives in one actuary's spreadsheet, every update needs their sign-off. Every departure takes the model with it. With hx, that logic becomes versioned and governed — callable by underwriters, workflows, and AI agents alike. All of a sudden, actuarial insights can manifest as firm-wide capability, not just a spreadsheet.
Calculation engine capabilities
How It Works
Build complex insurance calculations
Build sophisticated pricing, rating, appetite, and risk logic in Python — designed for the full complexity of Commercial P&C lines.
Accelerate builds with AI that has full context of your calculation logic, data schemas, and system architecture.
Reuse governed components to shorten development cycles and eliminate duplicated work.
Govern and version calculation logic
Version calculation logic so underwriters, systems, and agents always call the current approved release.
Maintain auditability across model changes, releases, and production use.
Give actuarial, underwriting, and IT teams a shared control layer for high-consequence decisions.
Deploy calculations into underwriting workflows
Make Calculation Engines available as governed tools for underwriters, applications, APIs, workflows, and agents.
Connect calculation outputs to submission intake, triage, pricing decisions, and portfolio feedback loops.
Roll out in phases, from a controlled calculation layer to a broader end-to-end hx platform.
How It Works
Build complex insurance calculations
Build sophisticated pricing, rating, appetite, and risk logic in Python — designed for the full complexity of Commercial P&C lines.
Accelerate builds with AI that has full context of your calculation logic, data schemas, and system architecture.
Reuse governed components to shorten development cycles and eliminate duplicated work.
Govern and version calculation logic
Version calculation logic so underwriters, systems, and agents always call the current approved release.
Maintain auditability across model changes, releases, and production use.
Give actuarial, underwriting, and IT teams a shared control layer for high-consequence decisions.
Deploy calculations into underwriting workflows
Make Calculation Engines available as governed tools for underwriters, applications, APIs, workflows, and agents.
Connect calculation outputs to submission intake, triage, pricing decisions, and portfolio feedback loops.
Roll out in phases, from a controlled calculation layer to a broader end-to-end hx platform.
How It Works
Build complex insurance calculations
Build sophisticated pricing, rating, appetite, and risk logic in Python — designed for the full complexity of Commercial P&C lines.
Accelerate builds with AI that has full context of your calculation logic, data schemas, and system architecture.
Reuse governed components to shorten development cycles and eliminate duplicated work.
Govern and version calculation logic
Version calculation logic so underwriters, systems, and agents always call the current approved release.
Maintain auditability across model changes, releases, and production use.
Give actuarial, underwriting, and IT teams a shared control layer for high-consequence decisions.
Deploy calculations into underwriting workflows
Make Calculation Engines available as governed tools for underwriters, applications, APIs, workflows, and agents.
Connect calculation outputs to submission intake, triage, pricing decisions, and portfolio feedback loops.
Roll out in phases, from a controlled calculation layer to a broader end-to-end hx platform.
Build complex insurance calculations
Build sophisticated pricing, rating, appetite, and risk logic in Python — designed for the full complexity of Commercial P&C lines.
Accelerate builds with AI that has full context of your calculation logic, data schemas, and system architecture.
Reuse governed components to shorten development cycles and eliminate duplicated work.
Build complex insurance calculations
Build sophisticated pricing, rating, appetite, and risk logic in Python — designed for the full complexity of Commercial P&C lines.
Accelerate builds with AI that has full context of your calculation logic, data schemas, and system architecture.
Reuse governed components to shorten development cycles and eliminate duplicated work.
Govern and version calculation logic
Version calculation logic so underwriters, systems, and agents always call the current approved release.
Maintain auditability across model changes, releases, and production use.
Give actuarial, underwriting, and IT teams a shared control layer for high-consequence decisions.
Govern and version calculation logic
Version calculation logic so underwriters, systems, and agents always call the current approved release.
Maintain auditability across model changes, releases, and production use.
Give actuarial, underwriting, and IT teams a shared control layer for high-consequence decisions.
Deploy calculations into underwriting workflows
Make Calculation Engines available as governed tools for underwriters, applications, APIs, workflows, and agents.
Connect calculation outputs to submission intake, triage, pricing decisions, and portfolio feedback loops.
Roll out in phases, from a controlled calculation layer to a broader end-to-end hx platform.
Deploy calculations into underwriting workflows
Make Calculation Engines available as governed tools for underwriters, applications, APIs, workflows, and agents.
Connect calculation outputs to submission intake, triage, pricing decisions, and portfolio feedback loops.
Roll out in phases, from a controlled calculation layer to a broader end-to-end hx platform.
Three modes
of operation
Discover
Related Capabilities
Quote
“By partnering with hx, we’re making intelligent underwriting a reality for our Global Corporate & Specialty business”
Karen Dayal
Former Chief Underwriting Officer, Aviva
Quote
“By partnering with hx, we’re making intelligent underwriting a reality for our Global Corporate & Specialty business”
Karen Dayal
Former Chief Underwriting Officer, Aviva
Quote
“By partnering with hx, we’re making intelligent underwriting a reality for our Global Corporate & Specialty business”
Karen Dayal
Former Chief Underwriting Officer, Aviva
FAQs
01
How does Calculation Engine handle the complexity of large (re)insurance pricing?
02
What does a "programmable, composable" calculation engine mean?
03
Can we convert our Excel pricing models into the engine?
04
How are model changes governed, versioned and audited?
05
What's the difference between a rating engine and a pricing engine?
06
What is an insurance rating engine?
FAQs
01
How does Calculation Engine handle the complexity of large (re)insurance pricing?
02
What does a "programmable, composable" calculation engine mean?
03
Can we convert our Excel pricing models into the engine?
04
How are model changes governed, versioned and audited?
05
What's the difference between a rating engine and a pricing engine?
06
What is an insurance rating engine?
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