Catalog, value chain
Product & Pricing
What should we sell, and at what price?
Product work is slow because every decision depends on documents nobody can search well: competitor disclosures, basis documents, filing correspondence and pricing memos. The AI-native version keeps each of those as cited evidence and lets a product team ask questions of the whole set.
Every workflow, today and AI-native
Owned by product development, pricing actuaries, product committee.
| Workflow | Today | AI-native |
|---|---|---|
| Market and competitor sensing | Planners read competitor disclosures by hand and notice changes late, if at all. | Every competitor disclosure is diffed continuously, and each change is shown with the before and after wording and a view on what it means for our book. |
| Product design and basis documents | Terms, riders and policy wording are drafted in parallel and checked for consistency at the end, when it is expensive to fix. | Product rules are compiled into one structure, so wording, rider logic and basis documents are checked against each other as they are written. |
| Pricing and profit testing | Assumptions are set in spreadsheets with the supporting experience study attached somewhere else. | Every pricing assumption links to the experience evidence behind it, and a change in either is visible to the other. |
| Filing and regulatory approval | Filing packets are assembled by hand and regulator questions are answered from memory of past filings. | The packet is assembled against the current requirement corpus, and each regulator question is answered with the filing history and the rule it relates to. |
| Launch monitoring | Early sales mix and early experience are reviewed quarterly, after anti-selection has already happened. | Sales mix, early claims and early lapses are compared with the pricing assumptions from the first week, with the deviation explained. |