RateDrift

RateDrift is a web app (with optional API integration) that continuously monitors whether your insurance pricing is still aligned with emerging loss experience. It ingests policy, quote, and claims triangles (or claim-level data), then runs automated diagnostics: rate adequacy by segment, mix shifts, inflation sensitivity, and early-warning signals for adverse selection. It outputs a simple “pricing drift score” per product/territory/channel plus a prioritized list of segments needing repricing or underwriting action. This is not a full pricing engine—those are entrenched and expensive to displace. Instead, it’s a lightweight layer that sits on top of existing actuarial workflows and helps teams avoid waiting for quarterly studies to discover they’re underpriced. Expect pushback: data is messy, governance is slow, and actuaries distrust black boxes. The MVP must be explainable and auditable or it won’t be used.