# Tesora

> Tesora builds Frontier AI for actuaries: agents for insight (loss modeling, trends, on-leveling, market research) and rating (base rates, factors, ILFs, callable pricing API), backed by a fully reproducible audit trail.

This file is a curated index of pages on tesora.ai for AI assistants and LLM-based search. Each link points to a Markdown version of the page suitable for direct ingestion. See `/llms-full.txt` for the concatenated full text of every page.

## Product

- [Tesora — Frontier AI for Actuaries](https://tesora.ai/index.md): Tesora builds Frontier AI agents for actuaries: Insight for loss modeling, trends, on-leveling, and market research; Rating for base rates, factors, ILFs, and callable pricing APIs. Backed by Foundation Capital and Y Combinator S25.
- [Actuarial reserving software with the audit trail built in](https://tesora.ai/actuarial-reserving-software.md): Actuarial reserving software that replaces spreadsheets with reproducible chain ladder, Bornhuetter-Ferguson, and Cape Cod analyses — with anomaly detection and statutory reporting.
- [For Actuaries — How Tesora supplements your workflow](https://tesora.ai/actuary.md): How Tesora supplements the way actuarial teams already work: the busywork done by AI, the science left to the actuary.
- [Audit Agent — Every value traceable, every analysis reproducible](https://tesora.ai/audit.md): Audit is the harness around Tesora's other agents: every input, analysis step, and output is preserved with author, reviewer, approver, and citations, then replayable in full for the rate committee and the DOI.
- [Best insurance pricing software for actuaries (2026)](https://tesora.ai/best-insurance-pricing-software.md): A 2026 buyer’s guide to the best insurance pricing software for actuaries: Tesora, Akur8, hyperexponential, WTW Radar, Earnix, and Guidewire PricingCenter compared.
- [Tesora vs Akur8](https://tesora.ai/compare/tesora-vs-akur8.md): Tesora vs Akur8: how an audit-first agentic actuarial platform compares to Akur8’s transparent-ML pricing. Modeling, deployment, governance, and lines of business.
- [Tesora vs Earnix](https://tesora.ai/compare/tesora-vs-earnix.md): Tesora vs Earnix: audit-first agentic actuarial automation compared to Earnix’s real-time pricing and optimization engine for high-volume personal lines.
- [Tesora vs hyperexponential](https://tesora.ai/compare/tesora-vs-hyperexponential.md): Tesora vs hyperexponential (hx Renew): audit-first agentic actuarial automation compared to a Python-native pricing and underwriting platform for specialty lines.
- [Tesora vs Insuraviews](https://tesora.ai/compare/tesora-vs-insuraviews.md): Tesora vs Insuraviews: audit-first actuarial automation on your own data compared to Insuraviews’ P&C rate-filing market intelligence across all 50 states.
- [Tesora vs WTW Radar](https://tesora.ai/compare/tesora-vs-wtw-radar.md): Tesora vs WTW Radar: agentic, audit-first actuarial automation compared to WTW’s Radar/Emblem pricing and deployment suite with consultancy support.
- [Governance — Reproducible audit trails for actuarial work](https://tesora.ai/governance.md): Tesora's governance model: every computation reproducible from inputs forward, every change attributable, ASOP-aware documentation built in.
- [Ingestion Agent — Read anything, remember where every number came from](https://tesora.ai/ingestion.md): Ingestion is Tesora's agent for turning SERFF filings, rate manuals, loss runs, SOVs, and actuarial memos into a single typed graph, remembering where every value and rule came from so the rest of the Workbench can cite the source.
- [Insight Agent — Loss modeling, trends, on-leveling, market research](https://tesora.ai/insight.md): Insight is Tesora's agent for actuarial analysis: loss modeling, trend selection, on-leveling, and competitive market research with a fully reproducible audit trail.
- [Insights — Analyses without the busywork](https://tesora.ai/insights.md): How Tesora's Insight agent eliminates the busywork around actuarial analysis: data assembly, on-leveling, trend selection, market context.
- [Insurance pricing software built for actuaries](https://tesora.ai/insurance-pricing-software.md): Insurance pricing software for actuaries: build, test, and deploy rating models with citations, version control, and a callable API — without the IT relay race.
- [Actuarial Workbench — End-to-end actuarial lifecycle](https://tesora.ai/lifecycle.md): The Tesora Actuarial Workbench: a single workspace for loss modeling, rating, peer review, and filing — with provenance on every cell.
- [Rate filing software that anticipates the objection](https://tesora.ai/rate-filing-software.md): Rate filing software for actuaries: prepare SERFF filings, auto-draft audit memos, anticipate objections, and keep every exhibit cited and reproducible.
- [Rating Agent — Base rates, factors, ILFs, callable pricing API](https://tesora.ai/rating.md): Rating is Tesora's agent for rate filings and pricing engines. Turn filed manuals into executable rating engines, then expose them as production-grade pricing APIs.
- [Insurance risk modeling software for pure premiums](https://tesora.ai/risk-modeling-software.md): Insurance risk modeling software for actuaries: build GLMs and GAMs, compute pure premiums, and keep models explainable, versioned, and cited to the data.

## Customers

- [Admitted Carriers — Filing-driven rating with SOX-grade audit](https://tesora.ai/admitted.md): How Tesora helps admitted carriers ship rate filings: SERFF ingest, regression against the filed manual, rate-committee briefs, DOI prep packets.
- [Customers — Admitted carriers, E&S, and education](https://tesora.ai/customers.md): Tesora customer segments: admitted carriers, non-admitted (E&S) carriers, and actuarial education programs.
- [Non-Admitted (E&S) — Bind-ready pricing under E&S speed](https://tesora.ai/non-admitted.md): How Tesora helps non-admitted (E&S) carriers price submissions in days instead of weeks: triage, manuscript flexibility, deviation accounting.
- [Students & Education — Production-grade actuarial tools](https://tesora.ai/students.md): How actuarial students and educational programs can use Tesora to build exam-ready intuition with the same tooling working actuaries use in production.
- [CAS exam study guides](https://tesora.ai/students/cas-exams.md): Study guides for every CAS exam — Exam P, FM, MAS-I, MAS-II, and Exams 5–9 — with format, syllabus topics, and study tips on the path to ACAS and FCAS.
- [Exam 5: Basic Techniques for Ratemaking and Estimating Claim Liabilities — study guide](https://tesora.ai/students/cas-exams/exam-5.md): Exam 5 (Basic Techniques for Ratemaking and Estimating Claim Liabilities) study guide: format, syllabus topics, and study tips for the CAS exam path. Basic ratemaking and reserving — the core technical skills of a P&C actuary.
- [Exam 6: Regulation and Financial Reporting — study guide](https://tesora.ai/students/cas-exams/exam-6.md): Exam 6 (Regulation and Financial Reporting) study guide: format, syllabus topics, and study tips for the CAS exam path. Insurance regulation, financial reporting, and statutory accounting for P&C insurers.
- [Exam 7: Estimation of Policy Liabilities, Insurance Company Valuation, and ERM — study guide](https://tesora.ai/students/cas-exams/exam-7.md): Exam 7 (Estimation of Policy Liabilities, Insurance Company Valuation, and ERM) study guide: format, syllabus topics, and study tips for the CAS exam path. Advanced reserving, insurance company valuation, and enterprise risk management.
- [Exam 8: Advanced Ratemaking — study guide](https://tesora.ai/students/cas-exams/exam-8.md): Exam 8 (Advanced Ratemaking) study guide: format, syllabus topics, and study tips for the CAS exam path. Advanced ratemaking: classification, excess and deductible pricing, and credibility.
- [Exam 9: Financial Risk and Rate of Return — study guide](https://tesora.ai/students/cas-exams/exam-9.md): Exam 9 (Financial Risk and Rate of Return) study guide: format, syllabus topics, and study tips for the CAS exam path. Financial risk, portfolio theory, capital, and rate of return for insurers.
- [Exam FM (CAS Exam 2): Financial Mathematics — study guide](https://tesora.ai/students/cas-exams/exam-fm.md): Exam FM (CAS Exam 2) (Financial Mathematics) study guide: format, syllabus topics, and study tips for the CAS exam path. The time value of money and the mathematics of interest, annuities, bonds, and cash flows.
- [Exam P (CAS Exam 1): Probability — study guide](https://tesora.ai/students/cas-exams/exam-p.md): Exam P (CAS Exam 1) (Probability) study guide: format, syllabus topics, and study tips for the CAS exam path. Probability foundations: general probability, univariate and multivariate random variables.
- [MAS-I: Modern Actuarial Statistics I — study guide](https://tesora.ai/students/cas-exams/mas-i.md): MAS-I (Modern Actuarial Statistics I) study guide: format, syllabus topics, and study tips for the CAS exam path. Probability models, statistics, and the foundations of stochastic processes for actuaries.
- [MAS-II: Modern Actuarial Statistics II — study guide](https://tesora.ai/students/cas-exams/mas-ii.md): MAS-II (Modern Actuarial Statistics II) study guide: format, syllabus topics, and study tips for the CAS exam path. Generalized linear models, Bayesian analysis, and advanced statistical modeling for actuaries.
- [How to become a property & casualty actuary](https://tesora.ai/students/how-to-become-pc-actuary.md): How to become a property & casualty actuary: the CAS exam path from Exam P and FM through MAS-I/II, Exams 5–9, VEE, and the ACAS and FCAS designations.

## Resources

- [AI for actuaries: a practical guide across the actuarial lifecycle](https://tesora.ai/ai-for-actuaries.md): How AI helps actuaries across the lifecycle — ingestion, insight, rating, and audit — with reproducibility and governance built in. A practical guide for P&C actuaries.
- [The Bornhuetter-Ferguson method, explained](https://tesora.ai/guides/bornhuetter-ferguson.md): The Bornhuetter-Ferguson reserving method explained: how it blends an expected loss ratio with the chain ladder to stabilize estimates for immature accident years.
- [The chain ladder method, explained](https://tesora.ai/guides/chain-ladder-method.md): The chain ladder (development) method explained: development triangles, age-to-age factors, tail factors, and the seven-step process to project ultimate claims and IBNR.
- [How to convert an Excel rater into an API](https://tesora.ai/guides/excel-rater-to-api.md): How to convert an Excel insurance rater into a governed, callable API: tag inputs and outputs, preserve the logic, add versioning and an audit trail.
- [GLM insurance pricing in Python](https://tesora.ai/guides/glm-insurance-pricing-python.md): Build a frequency-severity GLM for insurance pricing in Python: Poisson frequency with a log-exposure offset, Gamma severity, factor tables, and A/E validation.
- [How to respond to a SERFF objection letter](https://tesora.ai/guides/serff-objection-response.md): How to respond to a SERFF objection letter: build the response letter, comment on every objection, attach schedule item revisions, and submit to the state.

## Company

- [Careers — Engineering, actuarial, and GTM at Tesora](https://tesora.ai/careers.md): Open roles at Tesora across engineering, actuarial, and go-to-market.
- [Media — Notes, announcements, and prior research](https://tesora.ai/media.md): Tesora media: notes, announcements, and prior research from the team.
- [Security — SOC 2 Type II, SOX-ready, ASOP-aware](https://tesora.ai/security.md): Tesora's security posture: SOC 2 Type II, SOX-ready rating engine, ASOP-aware documentation, customer-managed encryption keys.

## Blog

- [Blog — Long-form writing from the Tesora team](https://tesora.ai/blog.md): Long-form writing from the Tesora team on actuarial science, AI, and the industry.
- [The Actuarial AI Arms Race](https://tesora.ai/blog/ai-arms-race.md): Why insurance carriers are racing to deploy AI in actuarial workflows, and what separates lasting wins from theater.
- [AIG and AI Underwriting](https://tesora.ai/blog/aig-ai-underwriting.md): What AIG's recent AI underwriting moves tell us about the future of the industry.
- [The Captive Insurance Growth Story](https://tesora.ai/blog/captive-growth.md): Why captive insurance is growing, and what it means for actuaries.
- [The Real Cost of Actuarial Documentation](https://tesora.ai/blog/document-costs.md): Documentation is the hidden tax of actuarial work. We unpack the real cost, and what AI is finally able to do about it.

## Legal

- [Privacy Policy](https://tesora.ai/privacy.md): Tesora privacy policy: what we collect, how we use it, how to contact us.
- [Terms of Use](https://tesora.ai/terms.md): Tesora terms of use.