InsurQuote understands that you need quality experimentation tools when developing your own rating structures. As a companion to the InSight program, Rate Analyst allows you to make table factor modifications to your own rating structures. Rate Analyst also enables you to add, delete, or restructure your tables and indexes. Once modified, revised rating structures are easily exported to InSight and again compared with competitor's rates. With Rate Analyst, you will no longer have to guess how a new rate revision might fare in the marketplace, you'll know.

In Rate Analyst you can quickly modify:

• Base Rates

• Relativities

• Discounts

• Surcharges

• Territories (including split-zips)

Rate Analyst also provides the ability to edit Tables and Indexes. The Table Index Editor will help you make changes to tables, eliminating unnecessary data and restructuring data to suit the needs of your company.

• Premiums, Factors and Fees: Rate Analyst allows the user to manipulate premiums, factors, and fees to generate new experimental revisions.

• Territory Information: With Rate Analyst, redefine existing territories and include this new information in experimental revisions. The Territory Editor allows you to reassign ZIP codes to new territories and/or unassign ZIP codes from existing territories. You are also able to create new split zips or combine zips that are already split. You will be able to see how reassigning territories affects the revision's premiums.

• Table Index Editor: With Rate Analyst, redefine existing tables and indexes. The Table Index Editor allows you to modify your tables by adding and deleting indexes to your rating structure. You can also reorder an existing index. This feature is extremely powerful as you will now be able to predict how a variety of factors will influence your company's business. For example, if you were interested in modifying your driver class groups by splitting your 26 - 35 group into two groups, 26 - 30 and 31 - 35, you are able to do so. If you wanted to modify your Property Damage Base Premium Territories by adding or deleting territories from your existing groups you are able to do that as well. You will be able to assign new factors to these groups permitting you to quickly determine how these revised rates will affect your premiums, market share, and your book of business.

• Rate Analyst Output: Rate Analyst is designed to allow you to create proposed rates based on an existing rating plan by changing existing base rates, rating factors, or relativities within the rating plan. Once you have made the changes and are satisfied that the changes meet the objectives you seek, you will want to publish those changes for implementation. Rate Analyst allows you to publish the Base Rates, Relativities, and Factors; to printed material, HTML Pages for easy viewing and distribution, or to write the data to a text file.

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