Earnix
Earnix is a private Israeli AI software company that provides an enterprise SaaS pricing, rating, underwriting, and customer engagement decisioning platform used by 100+ insurance carriers and banks across 30+ countries.
- Company typePrivate
- Founded2001
- HeadquartersGiv'atayim, Israel
- Headcount251–500
- GTM typeB2B
- OfferingSoftware
What Earnix does
Earnix is a privately held Israeli AI software company founded in 2001 and headquartered in Ramat Gan (Tel Aviv metropolitan area). It sells an enterprise SaaS decisioning platform to insurance carriers (P&C, life, annuities, health) and retail banks/lenders, with a stated base of 100+ customers across 30+ countries and approximately 400 employees in seven offices (Israel, US, UK, Germany, France, Italy, Australia). Core products include Price-It (dynamic pricing, including Price-It for Annuities), the Enterprise Rating Engine (Rate-It), Underwrite-It, Engage-It (Explain/Recommend/Decide customer engagement inherited from Zelros), Earnix Copilot (generative AI assistant), Elevate Data, and the Lending Plus module for lenders; these now sit beneath Earnix AIOS, an AI Orchestration System for Insurance launched in June 2026 that orchestrates decisioning, 25+ AI agents, workflows, model management, governance and human-in-the-loop review across risk evaluation, underwriting, claims and customer engagement.
The platform is built on a composable SaaS architecture with pre-built integrations into the dominant insurance core systems (Guidewire PolicyCenter, ISO ERC, Sapiens, Majesco) and data infrastructure (AWS, Snowflake, Databricks, Verisk, DataRobot), and is hosted on AWS. Earnix monetizes primarily through quote-based multi-year SaaS subscriptions sold via direct enterprise sales and a three-tier partner ecosystem that includes top-tier system integrators (Deloitte, Accenture, Capgemini, PwC, KPMG, Sollers, Exavalu) and technology/data partners (Guidewire Premier, AWS, Databricks, Verisk, DataRobot, H2O.ai). Professional and outcome-oriented managed services complement the subscription revenue, particularly for large transformation programs at carriers and lenders.
In 2025 Earnix raised $290 million in growth equity co-led by TPG GP Solutions and JVP to fund global expansion and AI decisioning rollout, acquired French generative AI firm Zelros, and divested its telematics division to Targa Telematics in 2024 as it refocused on AI-driven decisioning software. Compliance posture is mature for financial services, with SOC 2 Type II, ISO 27001/27017/27018/27701/22301, ISO 14001, CSA STAR, FSQS and GDPR certifications. Named customers include Generali, AXA, Tokio Marine, Mapfre, Santander, Matmut, Novo Banco, Hollard, Gore Mutual, Definity, Co-operators, Link4 and BPCE Assurances, with reported customer outcomes including 12x faster quoting, rate-to-market compression from six months to days, and up to 65% reductions in unprofitable loans for lenders.
Earnix firmographics
Firmographics- Name
- Earnix
- Legal name
- Earnix Holdings, LLC
- Website
- https://earnix.com
- Company type
- Private
- Founded year
- 2001
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Short description
- Earnix is a private Israeli AI software company that provides an enterprise SaaS pricing, rating, underwriting, and customer engagement decisioning platform used by 100+ insurance carriers and banks across 30+ countries.
- Ownership category
- akta.pro rank
Earnix industry classification
Industry- Product category
- Insurance and Banking Pricing & Decisioning Software
- NAICS
- Software Publishers (513210)
- SIC
- Services-Prepackaged Software (7372)
- akta.pro primary industry
- Digital Employee Experience (DEX) & IT Experience Management (ITXM) Platforms (HDAEALAL)
- akta.pro secondary industry
- Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB)
Keywords
Where Earnix is headquartered
LocationHeadquarters
- HQ city
- Giv'atayim
- HQ country
- Israel
- HQ region
- Middle East
Offices7 records
Markets served
Earnix business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure
Revenue model
- Earnix SaaS subscriptions: Recurring SaaS revenue for the AI-driven decisioning platform (Price-It, Rate-It, Underwrite-It, Engage-It, Elevate Data, AIOS) sold to insurance carriers and banks/lenders.
- Professional and managed services: Implementation, integration and managed services delivered directly or through SI partners (Deloitte, Accenture, Capgemini, PwC, KPMG, Sollers, Exavalu) to support large transformation programs.
- Managed Services engagements: Outcome-oriented managed services for pricing/auto loan pricing, as referenced in Earnix case studies (e.g., a major US financial institution case study).
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Multi-year contract | Enterprise SaaS — quote-based subscription for the full Earnix decisioning platform (Price-It, Rate-It, Underwrite-It, Engage-It, AIOS) |
Go-to-market motion4 records
Distribution channels4 records
Marketing channels9 records
Earnix product offering
Product offeringCore offering
Earnix provides a SaaS AI-driven decisioning platform that enables insurance carriers and retail banks to perform real-time pricing, rating, underwriting and customer engagement analytics. The platform is anchored on Earnix AIOS, an AI orchestration layer that combines decisioning, AI agents, model management and governance, wrapped around four core products: Price-It (dynamic pricing), the Enterprise Rating Engine (Rate-It), Underwrite-It (automated underwriting) and Engage-It (real-time customer engagement).
Product overview
Earnix delivers Intelligent Insurance and Banking Operations as an integrated SaaS platform-plus-modules architecture. The flagship orchestration layer, Earnix AIOS, sits above four core product pillars — Price-It (dynamic pricing, including Price-It for Annuities), the Enterprise Rating Engine, Underwrite-It (analytics-driven underwriting), and Engage-It (real-time customer engagement, Explain/Recommend/Decide). These are augmented by named add-on modules and capabilities including the Earnix Copilot (generative AI digital agent), Elevate Data (data management connecting to Snowflake/S3/Databricks), Pricing Accelerator, Filing Accelerator, Personalization, Earnix Lending Plus (AI-driven pricing + credit risk decisioning for lenders), and the Earnix Price-It for Guidewire Accelerator. Together, AIOS orchestrates decisioning, AI agents, workflow automation, model management, governance, and human-in-the-loop review across the insurance lifecycle.
Differentiator
Problem solved
Functional benefit
Brands
- Earnix AIOS: AI Orchestration System for insurance decisioning, orchestrating data, models, agents, workflows, governance, and human oversight across the insurance lifecycle.
- Earnix Price-It
- Earnix Underwrite-It
- Engage-It by Earnix
- Earnix Copilot
- Elevate Data
- Earnix Lending Plus
- Earnix Model Accelerator
- Earnix Filing Accelerator
- Earnix Pricing Accelerator
Products and services
- Earnix AIOS (AI Orchestration System for Insurance) Insurance-native AI orchestration system that brings decision orchestration, AI agents, workflow automation, model management, governance controls, and human-in-the-loop review into a single governed operating model across risk evaluation, pricing, underwriting, claims and customer engagement. Comprises The Apps (business interface), The Agents (governed task execution) and The Mesh (real-time intelligence layer). Built for insurance carriers and banks that want to scale AI without replacing core systems.
- Earnix Price-It Dynamic pricing software backed by data science, analytical modeling and AI capabilities that creates data-driven, personalized product offers in milliseconds and monitors deployed rates in real time. Designed for insurance carriers and banks/lenders to optimize pricing across product types, geographies and risk profiles.
- Enterprise Rating Engine (Rate-It) Real-time insurance rating engine that deploys rates in milliseconds, integrates AI/ML capabilities into rate calculation and deployment, and provides governance, control and compliance across the rate-setting process via an extensible cloud-based structure.
- Underwrite-It Automated underwriting solution combining traditional rules-based underwriting with advanced ML and simulation, providing rules management, automated decisioning, advanced analytics, and business-driven deployment with a no-code/low-code UI for business users. Enables straight-through underwriting decisions.
- Engage-It Real-time, explainable and compliant customer engagement platform that extends intelligent decisioning into customer interactions via three functions — Explain (contextualize decisions), Recommend (next-best actions) and Decide (execute operational decisions across onboarding, servicing and claims). Inherited from the Zelros acquisition.
- Elevate Data Data management platform that automates preparation of raw insurer and bank data for pricing and underwriting models by connecting natively to enterprise data environments such as Snowflake, Amazon S3 and Databricks, automating data profiling, transformation and governance.
- Earnix Copilot Generative AI-powered digital agent for the Earnix platform that answers questions, provides recommendations on best practices, and generates code to automate pricing and underwriting processes.
- Earnix Lending Plus Integrated AI-driven pricing analytics and credit risk decisioning platform for banks and lenders that combines pricing analytics, price optimization and simulation with automated credit risk decisioning in a single solution. Targeted at consumer lenders, auto lenders and retail banks.
- Earnix Price-It for Annuities Unified pricing platform for UK annuity insurers integrating lifetime cash-flow projections, analytical pricing tools, scenario analysis, optimization and governed deployment. Built on the Price-It core for the annuities market.
Quantifiable outcome
- Earnix customers quote 12x faster than legacy incumbents and reduce rate creation time from 6 months to days
- +6 more outcomes
Companies that use Earnix
Customer profileNamed customers19 records
Segments4 records
Ideal customer profiles3 records
Earnix technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration7 records
AI capability13 records
Feature12 records
Earnix partnerships and signals
Strategic signalPartnerships
23 partnerships are on record, tiered strategic ecosystem program bringing israeli ai/cyber firms to german financial institutions, core infrastructure partner — earnix hosted on aws; esg energy-efficiency collaboration, premier technology alliance — 'tech alliance premier' status; flagship price-it for guidewire accelerator, core data and infrastructure partner — referenced as integration target for elevate data, strategic data partner — iso erc integration, strategic data partner — enables personalized offerings, core technology partner in the partner ecosystem, technology partner in the partner ecosystem, data and infrastructure partner, data partner in the ecosystem, top-tier global si partner, si partner — likely supporting the european market and si partner — niche/regional deployment support.
- Jerusalem Venture Partners (JVP) cross-border AI/cyber initiativestrategic ecosystem program bringing israeli ai/cyber firms to german financial institutionsJVP-led cross-border initiative in Frankfurt and Munich bringing together Israeli cybersecurity and AI companies (including Earnix, ThetaRay, Appdome, Coro) with German financial institutions, regulators, and government bodies to accelerate adoption of advanced technologies.
- Amazon Web Services (AWS)core infrastructure partner — earnix hosted on aws; esg energy-efficiency collaborationTechnology and data infrastructure partner. The Earnix solution is hosted on AWS infrastructure, providing compliance, security and scalability. Earnix also works with AWS to optimize energy efficiency of its cloud computing.
- Guidewirepremier technology alliance — 'tech alliance premier' status; flagship price-it for guidewire acceleratorPre-built, proven Guidewire integration (Earnix Price-It for Guidewire Accelerator) enabling real-time syncing across underwriting, pricing, and rating systems (e.g., at Co-operators integrated with Guidewire PolicyCenter). Guidewire lists Earnix in its growing global partner ecosystem.
- Databrickscore data and infrastructure partner — referenced as integration target for elevate dataData infrastructure partner; Elevate Data integrates with Databricks (along with Snowflake and Amazon S3) to automate data profiling, transformation and governance for pricing and underwriting.
- Veriskstrategic data partner — iso erc integrationData and infrastructure partner; Earnix Price-It for ISO ERC integration with Verisk's ISO Electronic Rating Content gives commercial lines insurers enhanced flexibility, faster speed to market and improved profitability.
- DataRobotstrategic data partner — enables personalized offeringsData and infrastructure partner that enables Earnix customers to create highly personalized offerings that reflect real-time market changes.
- Sapienscore technology partner in the partner ecosystemTechnology partner in the Earnix partner ecosystem.
- Majescotechnology partner in the partner ecosystemTechnology partner in the Earnix partner ecosystem.
- H2O.aitechnology partner in the partner ecosystemTechnology partner in the Earnix partner ecosystem, supporting AI/ML capabilities.
- NTT Datatechnology partner in the partner ecosystemTechnology partner in the Earnix partner ecosystem.
- Hexawaretechnology partner in the partner ecosystemTechnology partner in the Earnix partner ecosystem.
- HCL Technologiestechnology partner in the partner ecosystemTechnology partner in the Earnix partner ecosystem.
- Cognizanttechnology partner in the partner ecosystemTechnology partner in the Earnix partner ecosystem.
- ValueMomentumtechnology partner in the partner ecosystemTechnology partner in the Earnix partner ecosystem.
- Finitydata and infrastructure partnerData and infrastructure partner in the Earnix partner ecosystem.
- Hannover Redata partner in the ecosystemData and infrastructure partner in the Earnix partner ecosystem.
- Deloittetop-tier global si partnerSystem Integrator partner in the Earnix partner ecosystem, helping clients implement Earnix solutions and extend value with advanced consulting capabilities.
- Accenturetop-tier global si partnerSystem Integrator partner in the Earnix partner ecosystem; co-marketing with Earnix (referenced in Insurance 2026 personalisation report).
- Capgeminitop-tier global si partnerSystem Integrator partner in the Earnix partner ecosystem.
- PwCtop-tier global si partnerSystem Integrator partner in the Earnix partner ecosystem.
- KPMGtop-tier global si partnerSystem Integrator partner in the Earnix partner ecosystem.
- Sollers Consultingsi partner — likely supporting the european marketSystem Integrator partner in the Earnix partner ecosystem.
- Exavalusi partner — niche/regional deployment supportSystem Integrator partner in the Earnix partner ecosystem.
Scale indicators19 records
Recent moves7 records
Expansion highlights7 records
Earnix competitors and assessment
Company assessmentEmerging players
- DataRobot: Enterprise AI/ML platform for building and deploying predictive models, and a listed Earnix technology partner. Comparable as a horizontal predictive AI platform used by insurers for pricing and underwriting — overlapping but more general-purpose than Earnix.
- Cytora: AI-powered commercial insurance underwriting platform. Comparable as an AI-native decisioning layer for insurers, focused on commercial lines risk selection and pricing — narrower than Earnix but directly competitive in the AI underwriting category.
Direct peers
- Shift Technology: Paris-based AI platform for insurance decisioning across claims, fraud and underwriting. Most directly comparable to Earnix's insurance-native AI orchestration and underwriting automation; both target global carriers with AI-driven workflow products.
- Sapiens: Israel-based insurance software vendor offering core systems and digital solutions for P&C, life and workers' comp carriers. Both firms are Israeli-rooted insurtechs with global enterprise footprints; Sapiens is also a listed Earnix technology partner.
- Majesco: Cloud-native insurance core, analytics and AI platform for P&C, life and group insurers. Listed Earnix technology partner and overlapping customer base; competing for the same pricing/decisioning modernization budget at mid-market and large carriers.
- Duck Creek Technologies: U.S.-based SaaS provider of core insurance systems (policy, billing, claims) widely used by P&C carriers. Comparable to Earnix as a SaaS platform for insurers, though Earnix is more analytics/decisioning-specialized and Duck Creek sits closer to the core system layer.
Broad incumbents
- Verisk: U.S. data analytics and risk assessment incumbent for insurance, including ISO ERC rating content integrated with Earnix. Both a strategic partner (ISO ERC integration) and a broad incumbent offering its own analytics, fraud and underwriting solutions.
- Guidewire Software: Dominant insurance core platform vendor (PolicyCenter, BillingCenter, ClaimCenter) used by many of Earnix's enterprise customers. Both an integration partner (Earnix Price-It for Guidewire Accelerator) and a broad incumbent whose own analytics/AI roadmap competes for the same insurer budget.
- CCC Intelligent Solutions: Major AI-driven SaaS platform for P&C insurance ecosystem (auto claims, repair, parts). Overlaps with Earnix on AI-driven auto insurance workflows, especially pricing and claims decisioning at U.S. auto insurers.
- Palantir Technologies: Enterprise data/AI platform with growing insurance vertical presence (Foundry/AIP). Comparable to Earnix as a horizontal AI platform increasingly pitched at insurers for pricing, underwriting and operational decisioning — broader but less insurance-native.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat2 records
Key risks6 records
Key highlights7 records
Customer concentration
Earnix social profiles
Digital presenceEarnix compliance and trust
Trust signalCompliance10 records
Earnix financial estimates
Financial estimateRevenue estimate
Valuation estimate
Earnix leadership team
Management profileNumber of profiles
Profiles12 records
Earnix subsidiaries and ownership
Company hierarchySubsidiaries1 record
Earnix funding detail
Funding detailFunding overview
Funding rounds7 records
Investors7 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Earnix M&A and investment
M&A and investmentM&A2 records
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Earnix
What does Earnix do?
Earnix provides a SaaS AI-driven decisioning platform that enables insurance carriers and retail banks to perform real-time pricing, rating, underwriting and customer engagement analytics. The platform is anchored on Earnix AIOS, an AI orchestration layer that combines decisioning, AI agents, model management and governance, wrapped around four core products: Price-It (dynamic pricing), the Enterprise Rating Engine (Rate-It), Underwrite-It (automated underwriting) and Engage-It (real-time customer engagement).
Is Earnix a public or private company?
Earnix is a private company. It is classified as venture growth investor backed and is currently operating.
When was Earnix founded?
Earnix was founded in 2001. It employs 251 to 500 people.
Where is Earnix based?
Earnix is headquartered in Giv'atayim, Israel, in the Middle East region.
How does Earnix make money?
Three revenue lines are on record. Earnix SaaS subscriptions are the primary driver. The others are professional and managed services and managed Services engagements.
Who are Earnix's main competitors?
Emerging players on record are DataRobot and Cytora. Direct peers are Shift Technology, Sapiens, Majesco and Duck Creek Technologies. Broad incumbents are Verisk, Guidewire Software, CCC Intelligent Solutions and Palantir Technologies.
Does Earnix have an API?
No public API is recorded for Earnix.
What industry is Earnix in?
Earnix's product category is Insurance and Banking Pricing & Decisioning Software. Its primary akta.pro industry code is HDAEALAL, Digital Employee Experience (DEX) & IT Experience Management (ITXM) Platforms, with a secondary code of FSAGALAB, Embedded Payments (Pay-ins, Pay-outs, Wallets). Its NAICS code is 513210 and its SIC code is 7372.