Built by an actuary, to read every public insurance filing.
I am Sangmin Kwon, ASA. I have spent 25 years in insurance — pricing products, writing the documents regulators review, and reading competitors' filings by hand.
Every rate an American insurer charges in the lines we cover is filed with a state regulator, and most of those filings are public. Yet almost nobody reads them end to end. Pricing teams still open them one at a time. K.Actuary exists to change that: collect the filings, take them apart page by page, and recompute premiums from each insurer's own filed formula — so any number can be opened back to the page it came from.
What K.Actuary does
One ledger of public filings — products, coverages, rules and rate tables, linked as one model — opened through three doors, in this order.
A market console
What competitors filed, where, and what it does to their prices against yours.
Filed prices, side by side
Comparisons an agent can show a client, each value linked to its filed page.
Read the record
Compare what each insurer filed, and see what a policy and its filing say. Reading the record is free.
How we hold ourselves to a number
- We publish an engine only when it reproduces the filing's own worked examples, to the cent.
- Every value can be opened back to the filed page it came from.
- A value we cannot explain, we do not show.
What we are not
- We are not an insurance agent for you, and we do not sell policies on this site.
- We do not give legal advice, file claims or appeals for you, or contact your insurer on your behalf.
- We do not promise any outcome. The decision is always yours.
Talk to us
Sangmin Kwon, ASA · [email protected]
Carriers who want a pilot of the market console, agents who want early access, and anyone who finds an error in our numbers — write to the address above.