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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
→
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.
→
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.
→
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.
→
Transparent and explainable rating logic shows every calculation step, ensuring rates are easy to validate, audit, and communicate to regulators and stakeholders.
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.
→
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.
→
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.
→
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.
→
Transparent and explainable rating logic shows every calculation step, ensuring rates are easy to validate, audit, and communicate to regulators and stakeholders.
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.
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.
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.
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.
Transparent and explainable rating logic shows every calculation step, ensuring rates are easy to validate, audit, and communicate to regulators and stakeholders.
Everything you need to win in the Admitted market
Data integrations
Enrich risk assessment and improve pricing accuracy by integrating third-party data sources via robust API connections.
Data integrations
Enrich risk assessment and improve pricing accuracy by integrating third-party data sources via robust API connections.
Data integrations
Enrich risk assessment and improve pricing accuracy by integrating third-party data sources via robust API connections.
Technology
Seamlessly connect to your pricing and underwriting tech stack, from policy admin systems to data warehouses and more.
Technology
Seamlessly connect to your pricing and underwriting tech stack, from policy admin systems to data warehouses and more.
Technology
Seamlessly connect to your pricing and underwriting tech stack, from policy admin systems to data warehouses and more.
Consulting
Leverage our network of trusted consulting partners with deep vertical expertise in successful transformation for S&C insurers.
Consulting
Leverage our network of trusted consulting partners with deep vertical expertise in successful transformation for S&C insurers.
Consulting
Leverage our network of trusted consulting partners with deep vertical expertise in successful transformation for S&C insurers.
Powering performance in the Admitted market
3-6% loss ratio improvement
Customers unlock portfolio-level analytics and rapid model development to drive loss ratio improvements
40% reduction in underwriter admin
Free underwriters from manual admin and rekeying to focus on high value risk assessment
10x faster model build
Specialty carriers using hx build and deploy new pricing tools 10x faster than legacy solutions
Powering performance in the Admitted market
3-6% loss ratio improvement
Customers unlock portfolio-level analytics and rapid model development to drive loss ratio improvements
40% reduction in underwriter admin
Free underwriters from manual admin and rekeying to focus on high value risk assessment
10x faster model build
Specialty carriers using hx build and deploy new pricing tools 10x faster than legacy solutions
Powering performance in the Admitted market
3-6% loss ratio improvement
Customers unlock portfolio-level analytics and rapid model development to drive loss ratio improvements
40% reduction in underwriter admin
Free underwriters from manual admin and rekeying to focus on high value risk assessment
10x faster model build
Specialty carriers using hx build and deploy new pricing tools 10x faster than legacy solutions
Accelerate your journey
from submission to decision
© 2025 hyperexponential
QMS Certificate No. 306072018
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© 2025 hyperexponential
QMS Certificate No. 306072018