Days to a quote
Accepted business sits in a queue while underwriters work — turnaround measured in days, not minutes
LexQuote · Rating & Quoting
From accepted to bound-ready quote - in minutes.
LexQuote is the rating & quoting engine and underwriter cockpit for accepted commercial business. It classifies each accepted application to your rating products, maps the data, rates it live against your engine, and hands the underwriter a cockpit to review, optimize, and issue.
app.nativeorange.ai/lexquote
The Problem
You've already decided to write it.
So why does pricing it take days?
Once a submission is accepted, the hard part should be over. Instead it stalls — rekeyed into rating systems by hand, priced inconsistently, with no clear trail behind the number.
Manual rekeying
The same application is typed again into each rating system — slow, error-prone, and impossible to audit.
Pricing leakage
Inconsistent rating and missed exposures quietly erode margin on business you fully intended to write.
No explainability
When the premium is questioned, no one can confidently show exactly how it was built — line by line, source by source.
What LexQuote Does
The fast, accurate, explainable pricing layer
for business you've already decided to write
01
Rates accepted business instantly
Classifies each accepted application to your rating products, maps the data into each schema, and returns a real premium against your engine — in minutes.
02
Underwriter in control
A cockpit to review, resolve issues, optimize scenarios, and issue — with a full rate build-up and audit trail behind every figure.
03
Slots between LexFlow & LexCore
Starts at LexFlow's accept decision and delivers bound-ready quotes into LexCore for bind & policy servicing. Works with your existing rating engine and data.
How It Works
Accepted application in. Bound-ready quote out.
LexQuote picks up the accepted, already-extracted application from LexFlow and carries it to a rated quote ready for bind & servicing in LexCore.
1
Accepted application
Extracted, classified, appetite-checked — accepted upstream from LexFlow.
2
Classify to product
Matched to the right rating product(s), with confidence.
3
Map & rate
Data mapped into each schema and rated live on your engine.
4
Review in cockpit
Resolve issues, optimize scenarios, inspect the rate build-up.
5
Issue quote
A bound-ready quote with a full, auditable rate worksheet.
6
LexCore
Bind & policy servicing downstream.
LexQuote owns the middle — from accepted to bound-ready quote
The Cockpit
Where the underwriter stays in control
Everything the underwriter needs to turn an accepted application into an issued quote - in one pane, with the live premium always in view.
Application
Mapped fields & sourcesIssues
What needs a decisionOptimize
Scenarios & adoptRate
Live premium & build-upHistory
Versioned audit diaryapp.nativeorange.ai/lexquote/rate
Rate Guide
Not just a premium -
a defensible one
LexQuote returns the number and the reasoning beside it: how it compares to the expiring price and your appetite, where the confidence sits, and how it was built - so underwriters can stand behind the price.
Guided to the right number
Every quote lands with context — competitive, rich, or thin versus comparable risks — so pricing isn't decided blind.
Confidence on every figure
A confidence read sits beside the premium; low-confidence drivers are flagged for review, never buried.
Defensible & audited
The full rate build-up — every factor and rule, traceable to source — is captured line by line in the audit diary.
app.nativeorange.ai/lexquote/rate
Premium vs. expiring+4.2%
vs. appetite targetOn appetite
ConfidenceHigh · 94%
Build-up lines42 rules
Annual Premium
$182,550
app.nativeorange.ai/lexquote/optimize
Scenarios
Scenario A — Current
$182,550
Scenario B — Lower deductible
$196,800
Scenario C — Higher limits
$214,200
Optimizer
Model the scenario, then adopt it
LexQuote generates competitive scenarios against the expiring price and your appetite—re-rate any for a premium, tweak the drivers by hand, then adopt the one you want. The quote and worksheet update with it.
Competitive scenarios, generated
Several priced options against the expiring quote and appetite — ready to compare side by side.
Re-rate any scenario live
Adjust a limit or deductible and get the exact premium back in seconds — not an estimate.
Adopt and go
Pick the scenario you want and adopt it. The quote, worksheet, and audit diary update immediately.
Where It Fits
One suite, three stages - LexQuote in the middle
LexFlow decides what to write. LexCore binds and services it. LexQuote is the rating & quoting layer that connects the two.
Upstream
LexFlow
Intake & accept decision
✓Intake
✓Classify & extract
✓Appetite check
✓Accept / reject
Accepted
Extracted app,
classified &
appetite-checked
This page
Rating & Quoting
LexQuote
Accepted → bound-ready quote
1Classify to product
2Map & rate live
3Cockpit review
4Issue quote
Quote
Rated,
bound-ready,
with audit trail
Downstream
LexCore
Bind & policy servicing
✓Bind
✓Issue policy
✓Endorsements & renewals
✓In-force servicing
Capabilities
Built for accurate, explainable pricing at speed
Rating-product classification
Each accepted application is matched to the right rating product — with a confidence score you can act on.
Multi-product fan-out
When a risk spans products, LexQuote maps and rates each one in parallel, then assembles the full quote.
Live rating
Rates against your own engine and returns a real, bindable premium — recomputed instantly on every change.
Optimize-and-adopt scenarios
Model limit, deductible, and exposure scenarios side by side — then adopt the one you want into the quote.
Explainable rate worksheet
A line-by-line build-up of the premium — every factor and rule, traceable back to the source document.
Audit diary
Every edit, override, and adoption is fully versioned — who changed what, when, and why, end to end.
Outcomes
The numbers we move
Days → Mins
Quote turnaround
On accepted business
100%
Straight-through rate
Accepted apps quoted without rekeying
Full audit
Pricing accuracy
Consistency against your rating engine
Integration & Data
Works with the stack you already run
LexQuote sits between your accept decision and bind — it doesn't replace your rating engine, it drives it.
Your rating engine
Rates against the engine you already trust — LexQuote maps to its schema and calls it live.
InsureMOISOProprietary
Accepted-application feed
Takes the extracted, classified application from LexFlow's accept decision — no rekeying.
LexFlowWebhook / API
Data sources
Standards and enrichment LexQuote reads to classify, map, and rate accurately.
ACORDNAICS3rd-party enrichment
LexQuote · Ready to deploy
Rate faster. Price better. Win more.
See LexQuote turn an accepted application into a bound-ready, explainable quote in minutes - not days.
Works with your existing rating engine · No rip-and-replace