Earnix, the AI company purpose-built for insurance decisioning, today announced that it has been named a Luminary in both Celent’s 2026 North American and Global Property & Casualty (P&C) Rating Engine reports, an advancement on its Technology Standout designation in the 2023 reports. The recognition marks an important milestone in Earnix’s 25-year history of insurance innovation, reflecting its sustained investment in expanding the functionality insurers need to develop pricing strategies, evaluate risk, and implement underwriting decisions.

Celent’s Luminary designation recognizes solutions that excel in capabilities and generally have a leading market presence. Through its Technical Capability Matrix, the firm evaluates the sophistication and breadth of rating engine technology and functionality. Earnix’s advancement reflects the evolution of its offering from established technological strengths toward a more comprehensive set of capabilities designed to address the increasingly complex rating requirements of pricing and underwriting professionals.

“For 25 years, we’ve focused on the everyday challenges encountered in the actuarial and underwriting fields: building accurate models, managing increasingly complex rating structures, and getting changes into production without compromising control,” said Be’eri Mart, Chief Product and Technology Officer at Earnix. “Our investment has been driven by those needs. We’ve expanded what insurers can do with our technology while introducing AI capabilities that reduce manual work and let teams focus on the decisions that require their expertise. This recognition is an important acknowledgment of the value of our existing solutions and the investments we continue to make.”

Celent’s evaluation covers capabilities including product design, rating calculations, actuarial modeling, testing, release management, and integration. Earnix’s documented functionality includes statistical and machine learning models, portfolio optimization, pricing scenario analysis, reusable rating components, and version management. These capabilities allow insurers to test proposed rate changes against existing portfolios, assess the potential impact on profitability, and apply rating and underwriting rules consistently across products and markets.

Building on 25 years of innovation in insurance pricing and rating, Earnix continues to advance intelligent decisioning through AIOS, its AI Orchestration System purpose-built for insurance. AIOS brings together predictive, generative and agentic AI with insurance-specific data, models, business rules and workflows, extending Earnix’s established pricing and rating capabilities with new opportunities for automation and AI-driven decisioning. For pricing and underwriting professionals, this means less time spent on manual processes, faster analysis and implementation of changes, and greater ability to respond to evolving risks and market conditions, with the human oversight, explainability and auditability essential to insurance operations.

“Rating engines play an increasingly important role in how insurers manage pricing and underwriting decisions,” said Harry Huberty, Senior Analyst at Celent, a global research and advisory firm for the financial services industry. “Our evaluations examine both the technology supporting these solutions and the depth of functionality they provide. Earnix’s Luminary designation in the North American and Global reports recognizes its broad solution capabilities and established market presence.”

Earnix’s technology processes more than four billion global transactions annually, supporting insurers across personal, commercial, and life insurance markets. This scale reflects the company’s longstanding role in turning complex pricing and underwriting strategies into decisions that insurers can execute consistently across operations.

To read the report, please click here.

About Earnix

Earnix is the AI company purpose-built for insurance decisioning. For 25 years, Earnix has enabled insurers to make and implement pricing, underwriting, and customer engagement decisions with greater speed, precision, and control. Its insurance decisioning solutions combine advanced analytics, AI, and automation to enable insurers to respond faster to market changes, improve business performance, and deliver better customer experiences. Powered by AIOS, Earnix’s AI Orchestration System, purpose-built for insurance, brings together data, models, agents, business rules, and human expertise within an intelligent decisioning environment. Earnix supports leading insurers worldwide.

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