Rate & Form Filings
Every rate and form filing checked against state rules and past objections before it goes to SERFF.
Why it matters
Each state asks for different exhibits and wording; analysts rebuild checklists by hand, and the same objections come back filing after filing.
How the solution handles it
Agents read the forms, rates and memo, check each state’s requirements, compare wording with the last approved version, match past objections and draft answers. A product filing manager approves every package before it is submitted.
How a filing moves
Five agents read, check state rules, redline, match past objections and draft answers; a product filing manager approves every submission.
What it reads, and what it hands back.
What goes in
- Policy forms and endorsements
- Rate and rule manuals, actuarial memo
- State filing requirements
- Past objection letters and responses
- IRDAI product filing guidelines
What comes out
- Checked filing package per state
- Redline against the last approved form
- Likely objections with draft answers
- Filing tracker
Who uses it
The difference, in numbers.
Every figure is labelled: a target the solution is built to, an estimate, a typical published result, or a proven one.
Sources: NAIC SERFF · IRDAI (Insurance Products) Regulations 2024 and product master circulars · “Target” = design goal, measured in the live solution · “Typical” = typical industry figure · “Estimated” = our estimate
5 specialist agents. One person decides.
More in this division.
Every AI system the insurer uses inventoried, tested and documented, ready for the regulator’s first question.
Exam ReadinessEvery examiner request answered from cited files, with sampled claims and policies tested in hours.
Statutory ReportingEvery statutory schedule tied back to the ledger and source file before the officers sign.
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