Not just the filing. The premium.
Most SERFF tools stop at "a competitor filed +8%." We run each competitor's filed rating algorithm and compute the actual premium it would charge your customer — then check it against live quotes, to the cent. Plus what each policy pays for, clause by clause, and what the regulator asked — every cell citing its filing and page.
What makes this different
Other tools index filings. We price them.
Premiums, matched to live quotes
We compute each company's premium from its own filed algorithm, then hold it against the quote a shopper actually sees.
- 269 / 269 California pet quotes matched to the cent
- 418 / 418 New York travel quotes matched to the cent
- Filed rating examples reproduced in every room
The same engine runs a public quote page
Consumers price themselves on K.Actuary today. Your room uses the same engine, so any number in it can be checked against a real quote.
| Typical SERFF tool | K.Actuary room | |
|---|---|---|
| Rate change filed (+8%) | ✓ | ✓ |
| Premium for the same customer, every company | — | ✓ |
| Checked against live quotes | — | ✓ to the cent |
| Coverage and rules, page-cited | partly | ✓ |
| Public consumer quote page on the same engine | — | ✓ |
What a pricing actuary checks first — on one screen.
Most filing tools tell you a competitor filed +8%. A room shows what that means for the same customers, and why.
Open one. Company names are hidden; every number is real.
Each sample is a real room with carrier, product, filing and document names replaced. Values, factors, quoted clauses, pages and dates are as filed.
Accident & illness, six carriers
Same 20 pets priced by every carrier, step by step. Unlimited-against-unlimited comparison over 2,577 cells. Waiting periods, exam fees and cure clauses quoted from each policy.
Open the pet room → Travel · CaliforniaTrip insurance, six carriers
Cancel-for-any-reason terms, pre-existing waivers, delay triggers side by side. Indicated vs selected changes and the Department's questions on each filing.
Open the travel room → Homeowners · CaliforniaHO-3, five carriers
Brush and wildfire eligibility, protection class, discounts and roof settlement — from each rule manual. Proposed changes, wildfire AAL and regulator objections with the approved answers.
Open the homeowners room → Auto · CaliforniaPrivate passenger, five carriers
Bodily injury and property damage for the same drivers, matched to a filed rating worksheet to the dollar by an independent re-solve. Good Driver wording, rideshare and mileage rules.
Open the auto room →
Labelled by how far it has been checked.
Built in public, one checked step at a time.
What changed, and what reviewers found and we fixed. New carriers, states and lines are added here as their filings are read.
One table per carrier: the same customers, every competitor's price from its own filing. Ten carriers.
Price, coverage, rules, market and regulator — for 24 carriers in pet, travel, homeowners and auto. Coverage and rules read from the filed forms and manuals, every cell quoted with its page.
Three reviewer machines re-checked the rooms without seeing our answers. Every coverage and rule clause they could open matched its page; auto prices re-solved to the dollar and pet to the cent. Fixed from their findings: source notes for withdrawn or pending filings, true medians, untruncated rating steps, per-traveler trip-cost labels.
Each new filing a carrier makes updates its room and its competitors' rooms.
A private room, for your team only.
Each insurer's room opens with its own access link. It shows your company against your competitors, in your state and line, refreshed as new filings arrive.
Your team's access link comes by email and opens your room directly — no sign-up. Don't have one yet? Leave your work email and we will build yours.
