The price, the coverage, the claim rules —
all public. Nobody opened them.
Every insurer files three things with your state before it sells you a policy: what it charges, what it covers, and how it pays a claim. One actuary and seven AI machines downloaded 50,889 filings, rebuilt the prices, and read the policies line by line. Every answer shows the filing it came from.
Counted from our own records, updated hourly · Sep 30, 05:19 KST
Every price is free to see. We don't sell insurance.
Three things you have a right to know
What it costs. What it covers. How you get paid.
Everyone buying insurance asks the same three questions, in every country. The answers are already in the public record — in the rate filing and in the policy. We open both.
1 · What it costs
Every price the insurer filed
Every plan, deductible and limit an insurer files in your state — priced for your pet, your trip or your car, with the arithmetic shown.
50 insurance companies priced — pet, travel and auto.
2 · What it covers
Covered or not — answered from the policy
Cancer or both knees for a pet, a cancelled trip or an emergency abroad — covered, excluded or conditional, each with the policy's own words.
598 policy forms read line by line — pet and travel.
3 · How you get paid
The claim rules, before you need them
How long you have to file, what to send, who can be paid directly, how fast the insurer must pay — and what to do if you disagree.
Deadlines, documents and payment rules, quoted from each policy.
We keep reading — every new filing and every new policy, as it lands.
How it works
From a state filing to your price.
Rate alerts
Know before your premium changes.
Insurers must file rate changes with your state before they charge them. We read every filing and email you when one affects you.
Checked, not estimated
We prove the math against real prices.
A price is marked checked only when our formula reproduces the insurer's own quotes to within 3 cents — tested on quotes the formula was never built from, wherever we have enough of them. Anything not checked yet is labeled that way.
Counted from our own records · updated hourly · Sep 30, 05:19 KST. Nothing projected.
Products
Start with what you need to insure.
Pet insurance
Dogs and cats, every state. See what each insurer files for your pet — today and as your pet ages.
- Every deductible, reimbursement and limit an insurer files
- Price at age 1 through 14
- 64 coverage questions and the claim rules, quoted from the policy
Travel insurance
Trip cancellation and medical plans. The same plan can cost very different amounts depending on your state.
- Plans traced to the company that actually insures them
- Any age, trip cost and length
- Coverage and claim rules quoted from the filed policy
Auto insurance
16 auto insurance companies' rate manuals in California and Texas, rebuilt and checked against each state's own published prices.
- California and Texas, ZIP by ZIP
- Matched to the state insurance department's sample prices
- Every price tied to its SERFF filing
Korea — a sample client console
Where we started. Five Korean non-life insurers' health insurance, same coverage side by side: premiums for 328 plan × age × sex cases, rebased to one insurer's sums insured, and the policy wording behind each benefit.
[Pet] What a quote page won't tell you
The cheapest at age 1 isn't the cheapest over 14 years.
Same dog, same coverage: in more than half the cases, the insurer with the lowest price at age 1 costs more over the pet's life. When it does, the median difference is $2,470.
median extra paid over 14 years by choosing the lowest price at age 1 — in 940 of 1,704 comparable cases across 48 states.
New-policy prices at each age from the insurers' filings · $500 deductible · 80% · $5,000 a year · renewal pricing may differ.
One travel plan · age 45 · $3,000 trip · 10 days · France.
[Travel] Your state matters
Same plan. Same trip. Nearly 3× the price.
Travel insurance is priced by the state you live in, not the airport you leave from. The plan didn't change — your home state's filing did. You buy under the state where you live, so we price every plan with that state's filing, never a national average.
[Auto] California
Same driver. Same car. Same street. 3× apart.
Across 4,976 driver profiles in California's own premium survey, the highest insurer's price is typically about three times the lowest. We rebuilt each insurer's price from its filed rate manual — and matched the state's numbers to the dollar.
median gap between the highest and lowest of 8+ insurers for the same profile. In 97.8% of profiles, prices differ by at least 2×.
Source: California Department of Insurance 2026 premium survey, 270 areas. Profiles counted where at least 8 insurers are reproduced within $1.
How we work
One actuary. A fleet of AI.
Seven ordinary computers.
No data-entry team, no offshore office. One credentialed actuary directs AI that finds, reads, rebuilds and checks every filing, around the clock. Here is the line every price goes through — and who does each step.
Find
Search SERFF, state by state, for every pet, travel and auto rate filing.
338,272filings listed in the state index — what there is to downloadMachines 2–6Download
Pull the rate manuals, actuarial memos and forms behind each one.
50,889filings downloaded so farMachines 2–6Take apart
Parse every PDF and spreadsheet into tables, factors and rules.
374.8Mnumbers read out of the downloaded filingsMachine 1Rebuild
Turn the tables back into each insurer's pricing formula, step by step.
50insurance companies with a working formula — pet, travel, autoMachine 1 + the actuaryCheck
Test each formula against real quotes it was not built from.
52,208real quote pages captured to test againstMachine 7 captures · 1 checksServe
Run the formulas on our server. Your browser only ever sees the final price.
51states and D.C. pricedMachine 1 + cloudWatch
Re-read the filing index for rate changes; email the people they affect.
820filing companies in our archive — insurers and program managersMachines 2–6 → 1
For insurers
Know what competitors filed — and what it does to price.
Rate changes, factor by factor, rebuilt into prices you can compare against your own.
- Rate-change alertsNew filings in your lines and states, summarized
- Competitor price gridsFiled rates turned into comparable prices
- Filing-to-price reconciliationEvery cell tied to its SERFF number
“I spent 25 years inside insurers. The answers were always in the filings — nobody was reading them for you.”Sangmin Kwon, ASA · Founder · Associate of the Society of Actuaries since 2014 · 25 years in insurance · About →
Questions
Do you sell insurance?
No. K.Actuary is not an insurance agency, broker or insurer. We show prices rebuilt from public filings; when you're ready, you buy directly from the insurer.
Where do the prices come from?
From the rate filings insurers submit to state insurance regulators, most of them through the SERFF system. Each price on our site shows the filing number it came from.
How accurate are they?
We test every formula against the insurer's own quotes, held back from the build wherever we have enough of them. A price is marked checked only when it matches to within 3 cents; anything else is labeled as not checked yet, never passed off as exact. Open “ƒ Formula” on any price to see every factor and the filing it came from.
Where do the coverage and claim answers come from?
From the policy form the insurer filed with your state — for pet and travel today, auto next. We read each policy in full, answer the coverage questions and the claim rules, and show the exact sentence each answer rests on. Where a policy isn't linked yet we say “not read yet” — never “not covered”. The policy you receive is what counts.
Will my price be exactly this?
It can differ. Insurers may apply underwriting, discounts or fees outside the filing, and filings change. Treat our number as the filed price, and confirm with the insurer.
Do you need my email or phone number?
Not to see prices — every price is free to see without contact details. We ask for an email address only if you sign up for rate alerts; then we keep your email, state and the lines you picked, and write when a filing affects you. Unsubscribe anytime.
How do you make money?
Comparing prices is free for you. We plan to offer data services to insurers. If we ever receive compensation that could affect what you see, we will disclose it on our Disclosures page.
What does your state's filing say?
Takes about a minute. Pick what you want to insure.