Resilience-priced pricing engine. Licensed MGA partners bind the policies.
Premium computed from seismic class, KeyScore, and net-zero status. Strong modules quote at 89bps; weak modules quote at 140bps. The registry already knows the risk profile — Keystone's pricing engine prices it, and a licensed MGA partner binds the policy.
The price-insurance API
POST /functions/v1/price-insurance takes a registered
module + coverage parameters and returns:
- rate_bps — basis points on insured value
- premium — total annual premium
- partner_mga_commission — the licensed MGA partner's share
- expected_loss_ratio — modeled from KeyScore + resilience
- underwriting_margin — premium − expected losses − partner commission
Important. Keystone is a pricing-engine infrastructure layer — not, itself, an MGA, surplus lines broker, or producer. Policies on the Insurance Rail are bound by state-licensed MGA partners on carrier paper. Reinsurance treaty structures, when needed, are placed by licensed reinsurance intermediaries. See the partner-model architecture for the full counterparty mapping.
The pricing function
Rate computed from three signals on the registered module:
- Seismic class — A/B/C/D loads risk premium
- KeyScore — higher score → lower risk → lower bps
- Net-zero status — climate-resilience credit reduces bps
A high-KeyScore (92), seismic-class-A, net-zero module quotes at 89bps. A KeyScore-65, seismic-C, non-net-zero module quotes at 140bps. Same underwriting math, opposite risk profile.
The MGA partner book
Bound policies flow into the partner MGA's book. The dashboard shows the partner-level view that the MGA's underwriting team uses for its own book management:
- Number of policies in force (partner MGA's book)
- Premium float (total annualized premium)
- MGA commission earned + commission due (the partner's share)
- Blended rate across the book
- Expected loss ratio + underwriting margin
Revenue model — partner-aware
Keystone licenses the pricing engine to the MGA partner. Two common structures:
- Per-policy SaaS subscription — flat fee per policy bound on the partner MGA's book using Keystone's pricing engine
- Shared share of the partner MGA's commission — a percentage of the partner MGA's commission, paid by the MGA in exchange for use of the pricing engine
The carrier paper, the binding authority, and the policyholder relationship all stay with the licensed MGA + carrier counterparties. Keystone's role is the pricing infrastructure underneath.
Who pays for it
Reinsurers (Swiss Re, Munich Re, Hannover Re) — for capacity provided behind the licensed MGA partner. MGAs writing modular construction lines today — for the pricing engine itself. Captive insurers for large modular owner-portfolios — for reserve modeling. Specialty carriers entering modular housing as a class — for the underwriting signal.
The premium is priced off the verified resilience signal, not off a one-size-fits-all class rate. Licensed MGA partners bind on carrier paper; Keystone provides the pricing engine underneath.
What Insurance Rail connects to.
Module Registry
Seismic class, KeyScore, net-zero status — the verified inputs the pricing engine reads.
Insurers + MGAs
How specialty carriers, MGAs, and reinsurers use the pricing engine on carrier paper.
The modular insurance pricing problem.
Why one-size-fits-all class rates subsidize weak risks with strong ones — and what a fix looks like.
Quote your first policy in 30 seconds.
The sample workspace ships with three live policies — one strong (89bps), one weak (140bps), one mid — so you can compare quoting math side-by-side. The demo prices; an MGA partner binds.