# Earnix > Earnix builds AI-driven pricing, rating, underwriting and customer engagement software for insurers and banks. Its products integrate with existing core systems to deploy rates in real time, personalize offers, and govern automated decisions. Founded 2001. Around 400 employees across seven offices: Waltham (Massachusetts), Frankfurt, London, Milan, Paris, Sydney and Tel Aviv. Serves customers in more than 30 countries. The platform is organized around AIOS, an AI orchestration system, with composable products for rating, pricing, underwriting and engagement. Primary markets are property and casualty insurance, health, life and retirement, and retail and commercial banking. Site content is published in four languages: English (no prefix), German (`/de/`), French (`/fr/`) and Spanish (`/es/`). The URLs below are the English versions. ## Products - [Products overview](https://earnix.com/our-solutions/products/): The full product line and how the pieces compose. - [Enterprise Rating Engine](https://earnix.com/our-solutions/products/enterprise-rating-engine/): Deploys rates to online channels and serves quotes in real time. - [Pricing](https://earnix.com/our-solutions/products/pricing/): Analytics across pricing strategy, modeling and implementation. Marketed as Earnix Price-It. - [Underwriting](https://earnix.com/our-solutions/products/underwriting/): Automated underwriting integrated with pricing and rating. - [Customer Engagement](https://earnix.com/our-solutions/products/customer-engagement-product/): Real-time, explainable, compliant engagement across digital, service and distribution channels. Marketed as Engage-It. - [Earnix Copilot](https://earnix.com/our-solutions/products/earnix-copilot/): Generative AI agent for the Earnix platform. - [Filing Accelerator](https://earnix.com/our-solutions/products/filing-accelerator/): Documentation for rate changes and internal audits. - [Elevate Data](https://earnix.com/our-solutions/products/elevate-data/): Automates data imports, transformations and governance, and refreshes model-ready data. - [Pricing Accelerator](https://earnix.com/our-solutions/products/pricing-accelerator/): Real-time dashboards, simulations, KPI tracking and committee reports. ## Platform and technology - [AIOS](https://earnix.com/why-earnix/how-we-do-it/aios/): AI orchestration system for pricing, underwriting and distribution decisions. - [Our technology](https://earnix.com/why-earnix/how-we-do-it/our-technology/): Composable architecture and integration approach. - [Our analytics](https://earnix.com/why-earnix/how-we-do-it/our-analytics/): Analytical methods behind the products. - [Research and innovation](https://earnix.com/why-earnix/how-we-do-it/our-analytics/research-and-innovation/): Applied research work. - [Trust Center](https://earnix.com/why-earnix/how-we-do-it/trust-center/): Data security, privacy and compliance posture, including SOC 2. ## Capabilities - [Why Earnix](https://earnix.com/why-earnix/): Positioning and the case for the platform. - [Pricing and rating excellence](https://earnix.com/why-earnix/what-we-enable/pricing-and-rating-excellence/): Dynamic pricing in insurance. - [Dynamic decisioning](https://earnix.com/why-earnix/what-we-enable/dynamic-decisioning/): Decisioning across customer data and risk factors. - [Customer engagement](https://earnix.com/why-earnix/what-we-enable/customer-engagement/): Personalized, proactive communication. - [Innovative operations](https://earnix.com/why-earnix/what-we-enable/innovative-operations/): Acting on real-time data across operations. - [Intelligent IT](https://earnix.com/why-earnix/what-we-enable/intelligent-it/): Composable IT strategy and interconnected systems. ## Insurance - [Insurance overview](https://earnix.com/our-solutions/industry/insurance/): Insurance analytics software across the carrier relationship. - [Personal property and casualty](https://earnix.com/our-solutions/industry/insurance/personal-p-and-c/): Pricing, rating and retention for personal lines. - [Commercial property and casualty](https://earnix.com/our-solutions/industry/insurance/commercial-p-and-c/): Commercial insurance and lending solutions. - [Health](https://earnix.com/our-solutions/industry/insurance/health/): Dynamic product offers as customer needs change. - [Life and retirement](https://earnix.com/our-solutions/industry/insurance/life/): Integrated rating and analytics across the policy lifecycle. - [Telematics and usage-based insurance](https://earnix.com/our-solutions/industry/insurance/telematics-ubi/): Behavioral data feeding personalized offers. ## Banking - [Banking overview](https://earnix.com/our-solutions/industry/banking/): Banking software solutions for pricing and personalization. - [Personal loans](https://earnix.com/our-solutions/industry/banking/personal/): Consumer lending software. - [Auto loans](https://earnix.com/our-solutions/industry/banking/auto/): New loans, refinancing and auto loan management. - [Mortgages](https://earnix.com/our-solutions/industry/banking/mortgages/): Mortgage pricing engine and add-on packages. - [Deposits and savings](https://earnix.com/our-solutions/industry/banking/deposits-and-savings/): Predictive analytics matched to customer goals. - [Commercial loans](https://earnix.com/our-solutions/industry/banking/commercial/): Financing needs prediction for relationship managers. ## Insights and research - [Blog](https://earnix.com/blog/): 221 posts on insurance and banking pricing, AI, analytics, governance and transformation. - [Insights Center](https://earnix.com/insights-center/): Hub for the resource libraries below. - [Case studies](https://earnix.com/insights-center/case-studies/): 11 documented customer implementations. - [Brochures](https://earnix.com/insights-center/brochures/): 109 product and solution documents. - [Webinars](https://earnix.com/insights-center/webinars/): 52 recorded sessions. - [Videos](https://earnix.com/insights-center/videos/): 13 videos. - [Infographics](https://earnix.com/insights-center/infographics/): 18 infographics. - [Newsroom](https://earnix.com/newsroom/): 196 press releases, news features and industry recognition. - [Earnix Excelerate](https://earnix.com/excelerate/): The company's annual conference, with session archives from 2021 onward. ## Company - [Our story](https://earnix.com/our-story/): Company background and mission. - [Our customers](https://earnix.com/our-customers/): Customer base and approach. - [Partners](https://earnix.com/partners/): Technology, data and infrastructure, and system integrator partners. - [ESG](https://earnix.com/our-story/esg/): Environmental, social and governance initiatives. - [Careers](https://earnix.com/our-story/careers/): Open roles by function and country. - [Contact](https://earnix.com/contact/): Office addresses and support routes. - [Schedule a demo](https://earnix.com/schedule-a-demo/): Discovery demo request. ## Optional - [Privacy policy](https://earnix.com/privacy-policy/) - [Cookie policy](https://earnix.com/cookie-policy/) - [Accessibility](https://earnix.com/accessibility/) - [Modern slavery statement](https://earnix.com/modern-slavery-statement/) - [Support portal](https://earnix.com/support-portal/) - [Sitemap index](https://earnix.com/sitemap.xml): Eleven per-collection sitemaps covering all four languages.