Earnix

Market position

Positions itself as a category leader in dynamic/vertical AI for insurance decisioning, with more than 100 tier-1 insurers as customers including AXA, Assicurazioni Generali, Tokio Marine, Banco Santander, IAG, Toyota Financial Services, Aviva, Matmut and Munich Re; the company contrasts its insurance-specific AI with general-purpose AI and its quoting speed with legacy incumbent solutions.

Vertical, insurance-native AI built on 25 years of domain experience rather than general-purpose AI; a single connected platform spanning pricing, rating, underwriting and engagement so decisions share intelligence in real time; millisecond-latency rate deployment; and built-in explainability, auditability and governance for regulated markets.

Technology

Predictive AI and machine learning models combined, following the Zelros acquisition, with generative AI recommendation capabilities; a real-time enterprise rating engine that deploys rates in milliseconds, simulation and optimization tooling, agentic AI applications and agents, and an orchestration layer (AIOS). The company emphasizes explainable, auditable and traceable decisions with built-in governance for regulated environments.

Go-to-market

Direct enterprise sales supported by expert consultations and demos, customer case studies and testimonials, an insights/content center, partnerships with core systems providers such as Guidewire, and the company's own Excelerate conference series (events in Boston and London).

Insurance carriers (including tier-1 global insurers), banks, and consumer lenders; users include pricing and product managers, actuaries, underwriters, data scientists and customer-facing teams.

Geography

Customers in over 35 countries across six continents, with offices in the Americas, Europe, Asia Pacific and Israel; the Zelros acquisition added a development center in Paris, France. Press coverage has referred to Earnix as Tel Aviv-based, and its press releases are datelined Boston.

History

Earnix has been building software for insurers and banks since 2001. It expanded from pricing and rating analytics into underwriting, product personalization and customer engagement, adding products such as Underwrite-It and the Earnix Copilot. In April 2025 it agreed to acquire the Paris-based generative AI insurtech Zelros, adding a GenAI recommendation engine and a French development center. In September 2025 a $290m continuation-vehicle transaction led by TPG GP Solutions alongside JVP was announced, allowing JVP to expand its stake and giving early investors liquidity. In 2025 the company launched Earnix AIOS, an AI orchestration system for insurance decisioning.

Risks & controversies

Earnix operates in regulated pricing and underwriting environments where decision explainability, auditability, filing accuracy and compliance obligations are central requirements for its customers.