Earnix

What is Earnix?

Earnix provides AI decisioning and orchestration for insurance pricing, rating, underwriting and customer engagement. Its AIOS platform coordinates these functions, which the vendor calls the only AI orchestration system purpose-built for insurance. Earnix also serves banks, with lending products listed for personal, auto, mortgage, deposit and savings, and commercial loans.

Key capabilities of Earnix

• Enterprise Rating Engine: core rating for insurers.
• Pricing: AI-assisted pricing decisions.
• Underwriting: AI decisioning for risk selection.
• Customer Engagement: personalized offers and interactions.
• Earnix Copilot: an assistant layered on the platform.
• Filing Accelerator and Pricing Accelerator: tools to speed regulatory filings and pricing work.
• Explainable decisions: decisions are described as explainable, auditable and traceable.

How Earnix works

Earnix orchestrates pricing, rating and underwriting models in one environment so changes can be tested and deployed faster. The vendor reports 12 times faster quoting and rate creation falling from six months to under four days. Integrations include Earnix Price-It for Guidewire Accelerator and an integration with ISO ERC from Verisk.

Who uses Earnix?

Earnix serves insurers, with the vendor citing more than 100 customers including Generali, Mapfre, AXA, Tokio Marine and Matmut. Actuaries, pricing teams, underwriters and product leaders use it, and banks use it for lending decisions.

Earnix pricing

Earnix does not publish pricing or a free trial. The call to action is to schedule a 30-minute demo.

Earnix alternatives

Vic.ai automates accounts payable invoice processing and Brex provides corporate cards and spend management. Both are finance tools rather than insurance pricing engines, so they overlap with Earnix only in the broader finance category. Earnix is a specialist platform for insurer and bank pricing and underwriting decisions.