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RATING

Launch Rate Changes in Hours, Not Months

Coherent Spark enables actuarial, product, and IT teams to work from a shared source of truth—making it easy to update rating models in Excel and publish real-time changes across systems without recoding or delays.

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CyberRater Service - Spark Use Case - Rating Transform (1)

80% Faster

Product Launches

$3M+ Saved

Annually per Product

25% Revenue Uplift

from Modernized Rating

Why Rating Workflows Are Slowing You Down

For most insurers, rating models start in Excel—but deployment is where things break down. Actuaries hand off spreadsheets to IT, who must manually recode logic into core systems. Every rate change becomes a long, error-prone project that delays time to market and drains resources across teams.

Weeks or months lost to rewrites, QA, and coordination

Versioning risk from unmanaged spreadsheet sprawl

Revenue leakage from delayed filings and outdated rates in market

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Rating That Moves
at Market Speed

Spark transforms spreadsheet-based rating logic into structured, governed APIs. Teams stay in Excel and maintain control while deploying changes instantly into core systems.

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Turn Excel Logic into Governed APIs

Convert pricing models into production-ready APIs without rewriting formulas.
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Let Business Users Publish Changes

Test and approve rating updates directly from Excel— no manual data re-entry.
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Bring Oversight and Control to Rating

Automatically track each version, user, and update made to your spreadsheets.

Put Spark to Work
on Your Rating Priorities

From new products to regulatory filings, Spark accelerates the rating work your team handles daily without forcing rebuilds or replatforming.

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Launch New Models Faster

Get new pricing into market—fast. Spark lets actuaries and product teams deploy structured rating logic directly from Excel, whether you're launching cyber, pet, travel, or other specialty lines.

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Accelerate Filings and Rate Changes

Submit updates quickly and adapt pricing to shifting markets without waiting on IT. Spark gives actuaries control over versioning, approvals, and every change needed to file with confidence.

Cyber Rater Service - Rating Use Case - Test Cases

Rerate a Block of Business Instantly

Run rerating scenarios on production logic in seconds. Spark’s Testing Center eliminates model duplication and gives you fast answers, grounded in the logic already in use.

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Collaborate With Control

Give multiple teams access to a single, structured version of truth. With Spark, you can manage access, track changes, and enable business-led updates without introducing risk.

PROVEN IMPACT AT LEADING INSURERS

Smarter Rating, Realized

Insurance governance and control error

Global P&C Carrier Increases Speed to Market by 60%

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Coherent Spark Rating Ecosystem Apps

Powering a Connected, End-to-End Rating Ecosystem

With Spark, your Excel rating models integrate seamlessly into core insurance platforms like Duck Creek, Guidewire, Majesco, Salesforce, and more.

Don't have a ready front-end UI to plug into? Unlock rapid deployment with Coherent Shell.

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Run More of Your Business
on Spark

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Claims Reserving

Govern reserving logic with full version control, auditability, and reuse across lines of business.

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Illustrations

Deploy Excel-based illustration logic into client-ready systems with automated calculations and disclosures.

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Actuarial Modeling

Run tests, analyze scenarios, and standardize assumptions without rebuilding your models.

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Bring Your Rating Models to Life

Let's walk through your use case and show you exactly how Spark transforms your rating workflows.

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