Insurance & Underwriting

Actuarial Transparency Engine

The Problem

Algorithmic underwriting is under the regulatory microscope

State insurance commissioners are cracking down on black-box underwriting. Unexplainable pricing decisions face regulatory action and consumer lawsuits.

State Regulatory Action

Colorado, California, and others requiring algorithmic transparency in insurance pricing.

Proxy Discrimination

Credit scores, zip codes, and other factors can encode prohibited discrimination.

Rate Filing Challenges

Regulators rejecting rate filings that can't explain AI-driven adjustments.

Consumer Complaints

Policyholders demanding explanations for premium increases. Lawsuits follow confusion.

The Solution

Every premium decision with actuarial justification

Aequitas provides the transparency insurance regulators demand while maintaining pricing accuracy.

Causal Premium Attribution™

Every pricing factor traced to actuarially justified risk. No hidden influences.

Proxy Variable Detection™

Identifies when neutral-seeming variables encode protected characteristics.

Disparate Impact Testing™

Continuous testing for unfair discrimination across protected classes.

See It In Action

See exactly how each factor contributes to the final premium. Every branch is traceable to actuarial data.

Loading visualization...

TRY IT: Click factors to see their contribution and justification

Real-World Applications

UseCases

See how organizations transform their operations with transparent AI governance

Underwriting Decisions

Transparent risk assessment with complete factor attribution.

BeforeOpaque scoring; customer complaints; regulatory scrutiny

AfterEvery decision explained with actuarial justification

Rate Filing Support

Documentation that satisfies state regulatory requirements.

BeforeRate filings rejected for insufficient explanation

AfterComplete algorithmic transparency for smooth approvals

Claims Adjudication

Fair claims decisions with clear reasoning.

BeforeDisputed claims; bad faith allegations; litigation

AfterTransparent decisions that withstand legal challenge

“

When Colorado's new AI regulations took effect, we were ready. Aequitas gave us the transparency we needed without rebuilding our entire pricing model.

Chief Underwriting Officer

Personal Lines•Regional Insurance Carrier