The Road to Advanced Pricing

Yaakov Moser describes a crowded local motor market constrained by legacy systems. The team began with renewals to gain cleaner data and operational control, then confronted security reviews, mainframe limits, agent behavior, and hidden business rules. Dual runs, rule scrubs, and clear KPIs created a foundation for change.

Today, 90% of the portfolio runs on Earnix, renewal rates are four to five points higher at similar profitability, policy-level control is standard, and A/B testing is routine. By learning agent discounting patterns, models improved real-world outcomes. The biggest shift is strategic: leaders now choose along an efficient frontier instead of defaulting to across-the-board increases.