The underwriting decision platform for US admitted carriers

hx combines best-in-class rate governance with a modern, end-to-end platform for pricing, underwriting, and portfolio insight.

Manage rate changes, triage submissions, and quote confidently with state-specific DOI compliance - all in one connected platform built for admitted workflows.

Submission In

Triage

Ingestion

Triage

Clearance

Pricing & Rating

Risk Assessment

Pricing & Rating

Referral & Peer Review

hx Decision Engine

Rating Engine

Underwriting Engine

Portfolio Intelligence

Data Graph

Portfolio Analysis

Rates Management

Generate Quote

Submission In

Triage

Ingestion

Triage

Clearance

Pricing & Rating

Risk Assessment

Pricing & Rating

Referral & Peer Review

hx Decision Engine

Rating Engine

Underwriting Engine

Portfolio Intelligence

Data Graph

Portfolio Analysis

Rates Management

Generate Quote

Submission In

Triage

Ingestion

Triage

Clearance

Pricing & Rating

Risk Assessment

Pricing & Rating

Referral & Peer Review

hx Decision Engine

Rating Engine

Underwriting Engine

Portfolio Intelligence

Data Graph

Portfolio Analysis

Rates Management

Generate Quote

Eliminate rate deployment delays and compliance risk

Centralize filed rate management in one governed workspace. Update, validate, and deploy rate changes with confidence backed by full version control, effective date governance, and audit trails. Approved rates reach underwriters faster and stay fully compliant - turning deployment into a smooth, efficient process.

Accelerate rating and underwriting in a governed environment

Streamline rating, risk assessment, and underwriting review in one secure, governed space - so underwriters make faster, more consistent decisions with complete pricing context. Build and maintain performant, connected pricing tools that keep models aligned across teams.

Run continuous portfolio analysis to protect profitability

Perform dislocation analysis, adequacy testing, and rate impact assessments in real time. Visualize portfolio shifts and feed insights directly into rate deployment and portfolio strategy - turning analysis into confident, compliant action.

How Admitted carriers use hx

Set up a tech stack that supports rapid growth from day one - no internal IT or data expertise required. Move beyond spreadsheets and legacy tools to a unified, scalable platform.

Triage

Turn around complex submissions in minutes and automate triage and prioritization, guided by your strategy and models.

Pricing & Rating

Deliver precise, explainable prices in seconds so underwriters quote faster and stay aligned to actuarial strategy.

Portfolio Intelligence

Get real-time portfolio performance and batch rating insights, backed by a complete record of every pricing decision and outcome.

Decision Engine

Create and govern adaptable decision logic with clear controls, safe changes, and confident releases.

How Admitted carriers use hx

Set up a tech stack that supports rapid growth from day one - no internal IT or data expertise required. Move beyond spreadsheets and legacy tools to a unified, scalable platform.

Transforming underwriting workflows for US admitted carriers

Legacy workflows

→

hx platform

Rates live in spreadsheets, not systems. Effective dates slip, ISO circulars lag, and proprietary rates drift - slowing deployment and raising compliance risk.

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Governed rate management and connected workflows centralize all versions, effective dates, and bureau updates - keeping ISO and proprietary rates aligned, current, and compliant across every product and state.

Filings are built by hand. Manual exhibit generation invites errors, stretch QA cycles, and trigger regulator rework.

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Automated filing preparation generates compliant exhibits directly from model logic, cutting manual work and accelerating regulator approval.

Portfolio view is fragmented. Disconnected data creates lack of clarity on rate adequacy and impact - slowing filings and eroding pricing confidence.

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Real-time portfolio insight and automated analysis quantify dislocation and rate adequacy instantly, giving actuaries and underwriters a shared view of performance before filing.

Handoffs stall delivery. Actuarial, IT, and underwriting work in silos, duplicating effort and delaying market release.

→

Streamlined collaboration between actuarial, IT, and underwriting teams eliminates rekeying and manual handoffs, reducing deployment time and improving execution consistency.

Logic isn’t transparent. Rating decisions are hard to trace - and harder to defend - in audits and DOI reviews.

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Transparent and explainable rating logic shows every calculation step, ensuring rates are easy to validate, audit, and communicate to regulators and stakeholders.