EIS vs Insurity (2026)
Carriers that put these two on a shortlist want the same thing from AI: cheaper, faster change to the core. Insurity's answer for commercial lines is Ratio Policy AI, a configuration first policy platform where AI drafts coverages, states, rates, forms and workflows from filings and product documentation, then flags missing dependencies and conflicts across rating, rules and forms before a change reaches production. It rates small commercial business in as little as 30 milliseconds and commercial auto schedules of 30,000 vehicles in seconds, on licensed bureau content with a carrier owned deviation layer, while underwriters keep judgment, exceptions and approvals. EIS answers across more lines. CoreGentic puts agents and plain language configuration inside OneSuite for property and casualty, life, group benefits and pet insurers, AIG Canada launched 27 products in 11 months on the platform, and its AI management system is certified to ISO/IEC 42001. Insurity also embeds AI in premium audits, catastrophe analysis and pricing what if tests. Neither publishes accuracy figures for its AI or a price.
- Property and casualty is only part of the book. EIS OneSuite also runs life and annuities, group benefits, absence management and pet insurance.
- Fraud is a claims priority. ClaimGuard scores each claim across hundreds of scenarios and can be trained only on the carrier's own data, as it is for Sompo Japan.
- Business users should change products without waiting for a release cycle. CoreGentic lets them configure products and workflows in plain language inside governed, permissioned workflows.
- Some systems must stay on premises or hybrid. OneSuite runs on cloud, on premises or hybrid infrastructure.
- Commercial lines products take years to launch on the current system. Ratio Policy AI drafts coverages, rates, forms and workflows from filings and flags conflicts before a change goes live.
- Bureau updates consume the product team. Ratio Policy AI ingests licensed bureau content, keeps the carrier's own deviations in a separate layer and shows what each new release affects.
- Commercial auto schedules run to tens of thousands of vehicles. Ratio rates policies with 30,000 or more vehicles in seconds and small commercial quotes in as little as 30 milliseconds.
- Premium audits frustrate policyholders and stall billing. An always on AI assistant walks policyholders through completing an audit.
This comparison is published by AI FinTech Index, an independent research platform that publishes independent ratings of AI vendors for financial services. EIS and Insurity are each graded against the same capability taxonomy, from each vendor's own public materials and the regulatory record, under the AI FinTech Index verification standard. No vendor pays for placement, and no vendor has reviewed this page. How this evidence is graded
Plain facts
| EIS | Insurity | |
|---|---|---|
| Primary category | Insurance AI | Insurance AI |
| Founded | Not published | Not published |
| Headquarters | San Francisco, California, United States | Hartford, Connecticut, United States |
| Website | www.eisgroup.com | www.insurity.com |
Side by Side
Select any grade to read the note behind it.
| Axis | E EIS |
I Insurity |
|---|---|---|
| AI Centrality | ||
| Autonomy and Oversight Model | ||
| Model Risk Management and Transparency | ||
| Operational and Outcome Evidence | ||
| AI Safety and Data Stewardship | ||
| GLBA and Data Privacy Posture | ||
| Security Certifications and Trust Center | ||
| Regulatory Status and Licensure | ||
| AI Governance and Bias Disclosure | ||
| AI Liability and Recourse | ||
| Model Supply Chain Disclosure | ||
| Core Systems and Integration Depth | ||
| Deployment Model and Data Residency | ||
| Commercial Transparency | ||
| Institution and Segment Coverage |
The short version of each
EIS
EIS OneSuite, certified by the MACH Alliance for its microservices architecture, handles policy, billing and claims for property and casualty, life and annuities, group benefits and pet insurers on cloud, on premises or hybrid infrastructure. CoreGentic lets business users change products and workflows in plain language and lets agents act inside permissioned workflows with approvals and audit trails. ClaimSmart pairs ClaimGuard fraud scoring with ClaimPulse claims automation, selected by Tokio Marine & Nichido Fire and Sompo Japan. In the AI FinTech Index, EIS's audited AI management system is the governance difference between the two.
Source: AI FinTech Index, 2026
Insurity
Insurity sells cloud core software and analytics to property and casualty carriers, brokers and managing general agents, from Policy Decisions and Ratio Policy AI for policy administration to billing, claims and a marine suite, with SpatialKey for catastrophe and exposure analysis. Its AI drafts product configuration from filings, answers catastrophe questions conversationally inside SpatialKey, walks policyholders through premium audits and lets pricing teams test proposed rate changes before they go live. Zurich in the United States has extended a collaboration with Insurity that has run for more than 30 years.
Source: AI FinTech Index, 2026
Common questions
How does each use AI to speed up product change?
Insurity's Ratio Policy AI drafts configuration from filings and product documentation and checks dependencies and conflicts across rating, rules, forms and workflows before release. EIS's CoreGentic lets business users change products and workflows in plain language, with agents acting inside the core's permissions and approvals. Graded by AI FinTech Index against the same capability axes from each vendor's own published materials, verified October 13, 2026. No vendor pays for placement.
Who stays in control of decisions?
Insurity says underwriters and service teams keep judgment, exceptions and approvals while AI handles repeatable work. EIS runs agents inside permissioned workflows with approvals, audit trails and human oversight. Graded by AI FinTech Index against the same capability axes from each vendor's own published materials, verified October 13, 2026. No vendor pays for placement.
Which lines does each cover?
Insurity is concentrated in property and casualty, with a marine suite and tools for managing general agents. EIS spans property and casualty, life and annuities, group benefits, absence management and pet insurance. Graded by AI FinTech Index against the same capability axes from each vendor's own published materials, verified October 13, 2026. No vendor pays for placement.
What do both leave unpublished?
Accuracy figures for their AI, the model providers behind their generative features, and a price. Graded by AI FinTech Index against the same capability axes from each vendor's own published materials, verified October 13, 2026. No vendor pays for placement.
Related comparisons
Other published head to head assessments involving these vendors or their closest peers. The full set for this category is on the Insurance AI page.
Insurity's rating speed figures and EIS's AIG Canada figures are each company's own.