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A rating program is an executable implementation of a carrier’s filed rating plan. Each published version pins the exact engine that rates it, so the same inputs always give the same premium.

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Market raters

Effective builds rating programs from carriers’ public rate filings and publishes them as market raters. Browse them in the Effective app, after you sign in:
Each program’s page shows its carrier, product, states, supported policy dates and documentation. Rating or downloading a program needs an active subscription for your organization. Effective’s example programs need no subscription. Subscribe from the program’s page in Market Raters, or subscribe with the API. To ask for a program that isn’t there yet, select Request on the Market Raters page. Track your requests at https://your-tenant.effectiveai.app/rating-programs/requests.