Unified Pricing Engine for Life & Retirement Providers
Life and retirement providers need pricing agility that balances profit, liquidity, and capital strength. Earnix Price-It unifies cash-flow modeling, analytics, and governed deployment to deliver projection-backed pricing strategies in hours - helping organizations modernize operations, strengthen governance, and improve financial outcomes across life and annuity portfolios.
Transform Life & Retirement Pricing with Real-Time Precision and Governance
Life and retirement providers are required to react faster to market changes while maintaining capital discipline and regulatory compliance. Disconnected spreadsheets, tools and manual processes make it difficult to evaluate profitability, liquidity, and capital impacts in real time leading to reduce market positioning.
Earnix Price-It unifies modeling, analytics, and deployment into one governed platform. Forward-looking cash-flow projections, AI-assisted insights, real-time simulations, and automated workflows enable organizations to make faster, data-driven pricing decisions and launch new products with confidence.
Industries We Serve: Annuities | Life
Annuities
Streamline pricing for individual and group annuity products with projection-backed analytics and transparent governance. Simulate strategies across interest-rate environments, compare credit and product structures, and support data-driven decisions with clear visibility into profitability, liquidity, and capital impacts.
Key Types:
Fixed • Indexed • Variable • Deferred & Immediate • Lifetime Income • Group / Institutional Annuities • Joint-Life / Survivor
Life Insurance
Modernize premium and product pricing across term, whole, and universal life portfolios. Earnix enables actuaries to analyze profitability, test pricing assumptions, and ensure compliant, explainable, and market-responsive pricing strategies.
Key Types:
Term • Whole • Universal / Variable • Participating
Price Faster. Govern Smarter.
Deliver at Scale.
- K+Model point cash flow projections in minutes
- <minTechnical rate deployments with zero IT dependency
- IT resources required to deploy pricing updates
- <minRun parallel simulations across products and portfolios
- %Governance and audit coverage
Key Capabilities
Projection-Backed Decision-Making
Run forward-looking cash-flow projections that reveal profitability, liquidity, and capital impacts before launch.
Validate pricing decisions against balance-sheet constraints and deploy strategies that meet profit and capital requirements.
Unified Platform
Centralize data, modeling, and deployment in a single-governed platform.
Earnix enables teams to execute complex, long-term projections and publish pricing updates across portfolios with speed, scale, and precision.
Advanced Analytics & AI Insights
Combine actuarial expertise with AI-driven analysis and advanced statistical modeling.
Gain deeper understanding of risk drivers, forecast performance, and generate explainable insights for improved pricing precision.
Scenario & A/B Testing
Simulate multiple pricing or rate strategies under different market or demographic assumptions.
Compare performance side by side with A/B testing to evaluate KPI impacts and choose the most profitable, compliant, and capital-efficient strategy before go-live.
Configurable & Governed Calculations
Use version-controlled templates that adapt to any life or annuity product design.
Easily compare “what-if” scenarios and deploy updates without code rewrites or IT handoffs - ensuring full auditability.
Open Model Integration
Accelerate adoption by importing existing models built in Python, H2O MOJO, or ONNX formats.
Earnix supports seamless integration, governance, and real-time monitoring of external models - ensuring consistent performance, transparent decisions, and faster time-to-value.
