Canonical page: https://www.jsonify.com/solutions/insurance/

# Insurance Pricing Intelligence

> Benchmark insurance pricing, bundling, and excess structures across real customer quote journeys.

Simulate quote flows across carriers, personas, and markets — extracting premiums, excess levels, and bundling structures automatically.

## How it works

- **Extract** (quote flows): Automatically fill competitor quote journeys as a defined persona — navigating every step, field, and option.
- **Structure** (Normalized premium datasets): Extract premiums, excess levels, coverage tiers, and bundle options into a consistent, comparable structure.
- **Deliver** (Competitive pricing intelligence): Compare how each carrier prices for each persona — and how that changes over time.

## Insurance pricing can't be observed. It has to be simulated.

Competitor premiums depend on age, location, coverage level, and claims history. They're generated dynamically at the end of a quote journey — not published on any page Radar can read. You have to fill in the forms to see the numbers.

- Competitor premiums are only revealed at the end of a quote flow
- Manual quote collection doesn't scale across multiple carriers and personas
- Pricing changes go undetected between quarterly benchmarking exercises
- Bundling structures and excess options vary in ways that are hard to compare systematically

## Personal and commercial lines, both covered.

### Personal lines: Home, auto & life insurance

Simulate quote flows for motor, home, life, and health insurance across carriers and customer profiles.

### Commercial lines: SME & business insurance

Benchmark pricing for business insurance, liability, and professional indemnity across commercial carriers.

## Signals tracked

- **Premium pricing**: Extract the exact monthly and annual premium offered to each persona — including introductory rates.
- **Excess structures**: Track mandatory and optional excess levels offered by each carrier for each persona and coverage type.
- **Coverage tiers**: Understand how carriers structure basic, standard, and comprehensive coverage and what each tier includes.
- **Bundle add-ons**: Identify what optional extras carriers offer — breakdown cover, legal protection, no-claims protection — and at what price.
- **Discount logic**: Detect how pricing varies by multi-policy discounts, renewal incentives, and loyalty pricing across carriers.
- **Persona comparison**: Run the same quote across hundreds of personas — different ages, locations, and risk profiles — to map pricing logic.

## Scale

European insurance benchmark

- **8** Countries
- **40+** Carriers
- **200** Personas
- **Weekly** Refresh cycle

## Outputs

- Persona pricing table (carrier × persona × premium × excess)
- Coverage structure comparison
- Offer change alerts
- Premium trend dataset (time series)
- Bundling and add-on analysis

## Use cases

- Actuarial: systematic competitor premium benchmarking at scale
- Pricing strategy: detect competitor repositioning before renewal season
- Product: understand how competitors structure coverage tiers and add-ons
- Market entry: map pricing across a new market before launch
- Compliance: track how pricing changes across regulated products over time


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*[Jsonify](https://jsonify.com) — AI-powered competitive intelligence*