FAQ

Pythia is the most advanced product & pricing AI platform in the market, built for Property & Casualty (P&C) and Life & Health (L&H) insurance. It combines agentic AI with proprietary data across two suites.

ALPHA is the market: 30+ years of structured insurer data since 1992. ZETA is the regulatory record behind it: 45M+ DOI documents from the past two decades.

A filing shows what a competitor did; statutory data shows whether it worked. ZETA reads both, so a rating plan or clause is benchmarked against the loss ratios & market share that followed it.

ALPHA combines AI with 6 proprietary databases for carrier benchmarking, premiums/rates modeling and industry premium sizing, built on 30+ years of structured insurer data since 1992. Coverage extends beyond standard statutory reporting to the residual market (insurers of last resort) and state workers' compensation funds.

Most P&C data stops at State and line of business. ALPHA cuts every figure by any combination of:

• Geography: US-wide, 50 States & DC, 400+ metropolitan areas, 3,200+ counties
• Industry: 450+ industries
• Company size: 10 company size segments (e.g., 'Nano' firms under 5 employees)
• LoB: 50+ lines, all P&C lines reported to state insurance commissioners
• Basis: direct and net of reinsurance
• Carriers: 5,000+ writing carriers in 10+ classes
• Time period: continuous, since 1992

In-depth carrier performance benchmarking across 5,000+ writing carriers, by channel, product, company size segment and region, separately for Admitted vs E&S. A proprietary model analyzes full carrier P&L, so the comparison reaches the cost line, not just the premium line.

Carriers are grouped into 10+ classes, so each is measured against like businesses rather than the market average. Proprietary metrics cover growth and its drivers, fixed vs contingent commissions, and cost ratios by State, line of business, segment and channel.

Outputs: market shares, carrier book mix, loss ratios evolution, detailed cost ratios.

Insurance premiums/KPIs & macro data at the intersection of geography, industry, company size segment & line of business. County level across 3,200+ counties and 400+ metropolitan areas, 450+ industries, with history since 1992.

Alongside premiums and rates, ALPHA holds the data that explains them: businesses, vehicles, housing units, population, revenue, GDP, gross output. That makes average insurance spend and insurance penetration on GDP/revenue directly measurable.

AI-driven forecasting of capacity needs and insurance rates by geography, industry and line of business, on the secular evolution of the market rather than next quarter's.

The forecast runs off two decades of insurance rates extracted by carrier. Leverage 15+ prebuilt scenarios or set your own across 10 assumption categories, combining into 30K+ scenarios.

Outputs by geography, company size segment and line of business: evolution of premiums, evolution of rates.

ZETA is the central hub for product dev & pricing agentic AI. It works the regulatory record behind the market, and turns the tasks built on it into automated workflows.

• Size: 45M+ DOI documents
• Carriers: the full filer base, from the largest down to the long tail
• Refresh: weekly, 120K+ new documents a week
• Completeness: the full set of submitted materials for each filing

A workflow produces the work, not an answer: each returns a finished output (e.g., a drafted document, a benchmark table, a marked-up redline).

ZETA carries 50+ workflows, built around the day-to-day tasks of pricing, actuarial, product, state management, compliance, legal and strategy teams.