How we work
One actuary. A fleet of AI.
Seven ordinary computers.
No data-entry team, no offshore office. One credentialed actuary decides what to read and checks what comes out. AI does the reading, around the clock.
Who does what
The actuary — Sangmin Kwon, ASA. 25 years in insurance: Hanwha Life, product development at Samsung Fire & Marine, then founder and CEO of Microprotect, an insurance distribution company in Korea that has helped more than a million people find insurance money they were owed. He decides which lines and states to read next, sets the rules each machine follows, and signs off on every formula before its prices go public.
Five downloaders — computers 2 to 6 fetch filings from state regulators day and night: rate manuals, rule books and policy forms. Every file is logged with where and when it came from.
One checker — computer 7 collects real prices, the answer key every formula is tested against.
One desk — computer 1 does the arithmetic and the judgment: it rebuilds each insurer's price, runs it against real prices, and reads the policies — 64 coverage questions and the claim rules for every current pet policy form.
The line every price goes through
Seven steps, two loops. The numbers below are counted from our own records and update hourly.
Find
Search SERFF, state by state, for every pet, travel and auto rate filing.
338,272filings found in the indexMachines 2–6Download
Pull the rate manuals, actuarial memos and forms behind each one.
50,538rate filings downloadedMachines 2–6Take apart
Parse every PDF and spreadsheet into tables, factors and rules.
374.8Mnumbers extractedMachine 1Rebuild
Turn the tables back into each insurer's pricing formula, step by step.
42brands with a working formulaMachine 1 + the actuaryCheck
Test each formula against real quotes it was not built from.
50,940real quote pages capturedMachine 7 captures · 1 checksServe
Run the formulas on our server. Your browser only ever sees the final price.
51states and D.C. pricedMachine 1 + cloudWatch
Re-read the filing index for rate changes; email the people they affect.
820insurers whose filings we holdMachines 2–6 → 1Why it can be one person
The filings are public, but they are long, inconsistent and scattered across 51 regulators. Reading them used to take a team. With AI doing the reading and an actuary checking the reasoning, the bottleneck is judgment, not headcount — and judgment is the part an actuary is trained for.
What it has produced so far
- 50,538 filings downloaded since September 19, 2026.
- 42 brands priced across pet, travel and auto.
- 487 current pet policy forms on file with state regulators, read line by line — what they cover and how they pay a claim.
How we compute and check each price → · See the progress, day by day → · See every state and insurer →