# Swallow

> Swallow is a rating engine for modern insurers and MGAs. Pricing teams build, test and deploy insurance rates and rules fast, then serve them through APIs, embedded forms, and chat and voice AI. Swallow has served over 50 million quotes.

Blog posts are linked as Markdown. Every link also works without `.md` as a normal web page. The full text of the site's key content is at https://www.swallow.app/llms-full.txt.

## Pages

- [Home](https://www.swallow.app): The platform, AI clients, distribution channels and the two ways to price.
- [Features](https://www.swallow.app/features): Every feature: build, test, data, governance and distribution.
- [High-volume pricing](https://www.swallow.app/use-cases/high-volume): Personal lines and embedded cover priced with no one in the loop, over APIs, aggregators, forms and AI.
- [Commercial pricing](https://www.swallow.app/use-cases/commercial): Commercial and speciality risks priced from broker submissions by an underwriter working in an AI client.
- [Sales channels](https://www.swallow.app/sales-channels): APIs, embedded forms, and chat and voice AI from one model.
- [Integrations](https://www.swallow.app/integrations): Payments, policy administration, CRM and data tools that connect to Swallow.
- [Developer: model building](https://www.swallow.app/developer): Build and test a real insurance pricing model step by step, with a complete UK pet insurance example.
- [Developer: quoting](https://www.swallow.app/developer/quoting): Reading a quote's debug trace: every input, lookup, formula and rule, with timings and warnings.
- [Developer: policies](https://www.swallow.app/developer/policies): Building policy documents from a quote with endorsement steps and Mustache or Handlebars templates.
- [Developer: MCP](https://www.swallow.app/developer/mcp): Connecting ChatGPT, Claude or Cursor to https://api.llow.io/ai/mcp.
- [Developer: API](https://www.swallow.app/developer/api): Price quotes, manage projects and versions, and read quote history with the REST API.
- [Build](https://www.swallow.app/products/build): Building insurance pricing models on a drag-and-drop canvas.
- [Data](https://www.swallow.app/products/data): Live pricing data: cleaning, real-time sync and BI integrations.
- [Process](https://www.swallow.app/products/process): Collaboration for pricing teams: tasks, files and approvals in one place.
- [Test](https://www.swallow.app/products/test): Automated testing of pricing models.
- [AI model builder](https://www.swallow.app/ai): Generate an insurance pricing model from a prompt.
- [Customer success](https://www.swallow.app/customer-success): Case studies from Swallow customers.
- [FAQ](https://www.swallow.app/faq): Common questions about the platform, pricing, security and getting started.
- [Blog](https://www.swallow.app/blog): Articles on AI in insurance pricing, regulation, distribution and comparisons.
- [Contact](https://www.swallow.app/contact): Talk to the Swallow team.

## Customer stories

- [Open Case Study | Swallow](https://www.swallow.app/customer-success/open): Learn how Open launched embedded insurance in the UK with Swallow, supporting complex pricing, rapid iteration, and full control without engineering overhead.
- [Rivr Case Study | Swallow](https://www.swallow.app/customer-success/rivr): See how Rivr launched a premium UK home insurance product in under a week using Swallow, giving underwriters direct control over complex pricing.
- [ISC - Swallow](https://www.swallow.app/customer-success/isc): See how ISC uses Swallow to streamline pricing, reduce manual work, and launch new commercial lines in weeks, with full underwriting control.

## Articles

- [From filing to rater: building pricing models from US rate filings](https://www.swallow.app/post/building-pricing-models-from-us-rate-filings.md): What sits inside a US rate filing, how to rebuild it as a working, tested rating model, where AI speeds things up and which gaps to expect.
- [Swallow compared: enterprise pricing platforms, core system raters and AI newcomers](https://www.swallow.app/post/swallow-vs-insurance-pricing-platforms.md): Where Swallow sits against established insurance pricing and rating platforms and newer AI-led options, on model format, testing, approvals, AI and distribution.
- [Building pricing models with Claude and ChatGPT: what works, what doesn't](https://www.swallow.app/post/using-claude-and-chatgpt-to-build-pricing-models.md): A practical look at building insurance pricing models with Claude and ChatGPT over MCP: where AI clients help, where they trip up and how to keep people in charge.
- [AI in insurance pricing: closing the gap between rating guide and live model](https://www.swallow.app/post/ai-insurance-pricing-rating-guide-to-live-model.md): Pricing design is rarely the bottleneck. Implementation is. How AI shortens the path from signed-off rating guide to a tested, live pricing model.
- [Fair value under Consumer Duty: the evidence your pricing should leave behind](https://www.swallow.app/post/consumer-duty-pricing-fair-value.md): What the FCA's Consumer Duty and pricing rules ask of insurance pricing teams, and the records that make fair value something you can show, not just claim.
- [When the customer is an AI agent: getting your pricing ready](https://www.swallow.app/post/ai-agents-buying-insurance.md): AI assistants are starting to shop for insurance on people's behalf. Here's what your rating engine has to give them to quote your products properly.
- [How to connect the Swallow MCP server to Claude](https://www.swallow.app/post/how-to-connect-the-swallow-mcp-server-to-claude.md): Connect Claude to your Swallow pricing infrastructure using MCP to analyse models, inspect rating logic and interact with your tools using natural language
- [Regression testing insurance pricing: why every rate change needs a test suite](https://www.swallow.app/post/testing-insurance-pricing-models.md): How to build a regression test suite for an insurance pricing model, from worked examples and band edges to declines, refers and real quotes.
- [A safer rate change: eight steps from analysis to monitoring](https://www.swallow.app/post/insurance-rate-change-process.md): A repeatable process for insurance rate changes, from the change statement and draft version to tests, approval, release and monitoring, and where AI helps.
- [Readable by design: pricing models people can check, even when AI writes them](https://www.swallow.app/post/human-readable-pricing-models.md): When AI drafts pricing logic, review becomes the slow step. Why a declarative, readable model format is faster to check and audit than generated code.
- [Moving off a spreadsheet rater without changing a single price](https://www.swallow.app/post/replacing-a-spreadsheet-rater.md): How to tell when an Excel rater has outgrown its job, what keeping it really costs, and a migration plan that uses the spreadsheet's own answers as the tests.
- [Starting an MGA: from rating guide to first live quote](https://www.swallow.app/post/launching-an-mga-pricing.md): A practical route for a new MGA's first product: agreeing terms with capacity, building and testing the model, picking channels and watching rates after launch.
- [AI and insurance distribution: one price, every channel](https://www.swallow.app/post/ai-for-insurance-distribution.md): Aggregators, embedded journeys, chat, voice and AI agents all need the same thing from pricing. Why one explainable rating engine should sit behind them all.
- [AI in regulated industries: why explainability has to come first](https://www.swallow.app/post/ai-in-regulated-industries-explainability.md): Insurers can get real gains from AI and still meet what the FCA, the EU and US regulators expect, provided every decision can be explained, reproduced and signed off.
- [Swallow vs Earnix](https://www.swallow.app/post/swallow-vs-earnix.md): Swallow and Earnix Price-It compared for insurance pricing and rating: who each is for, how models are built, tested and released, how AI is used, and distribution.
- [Swallow vs Guidewire PricingCenter](https://www.swallow.app/post/swallow-vs-guidewire-pricingcenter.md): Swallow and Guidewire PricingCenter compared: who each suits, how each relates to PolicyCenter, how models are built, tested and released, AI and distribution.
- [Swallow vs Duck Creek Rating](https://www.swallow.app/post/swallow-vs-duck-creek-rating.md): Swallow and Duck Creek Rating compared: who each suits, suite and standalone use, how rates are built, tested and released, deployment, AI and distribution.
- [Swallow vs Oracle Insbridge](https://www.swallow.app/post/swallow-vs-oracle-insbridge.md): Swallow and Oracle Insurance Insbridge Enterprise Rating compared: architecture, how rates are built and changed, testing, integration, AI, and how to migrate.
- [Swallow vs Akur8 Deploy](https://www.swallow.app/post/swallow-vs-akur8-deploy.md): Swallow and Akur8 Deploy compared: where each rating engine fits, how rates reach production, testing and sign-off, how AI is used and when to pick which.
- [Swallow vs hyperexponential (hx Renew)](https://www.swallow.app/post/swallow-vs-hyperexponential.md): Swallow and hyperexponential's hx Renew compared: who each suits, Python models versus readable JSON, testing and approvals, AI and the Guidewire deal.
- [Swallow vs WTW Radar](https://www.swallow.app/post/swallow-vs-wtw-radar.md): Swallow and WTW Radar compared for pricing and real-time rating: who each suits, how models are built and changed, testing and approvals, and AI features.
- [Swallow vs building a rating engine in house](https://www.swallow.app/post/swallow-vs-building-a-rating-engine-in-house.md): Build or buy? A fair look at writing your own insurance rating engine versus using Swallow: testing, versioning, audit, serving at volume and rate changes.
- [How to connect the Swallow MCP server to ChatGPT](https://www.swallow.app/post/how-to-connect-the-swallow-mcp-server-to-chatgpt.md): Connect ChatGPT to your Swallow pricing infrastructure using MCP to analyse models, inspect rating logic and interact with your tools using natural language
- [Swallow Data: Live insight into your pricing performance](https://www.swallow.app/post/swallow-data-live-insight-into-your-pricing-performance.md): See how Swallow’s Data area gives you real-time visibility over quotes, performance, and customer behaviour across your entire pricing model
- [Swallow Tests: Validate your pricing with real-world scenarios](https://www.swallow.app/post/swallow-tests-validate-your-pricing-with-real-world-scenarios.md): See how Swallow’s Tests area lets you simulate quotes, inspect calculations, and perfect your pricing model before publishing
- [Swallow Build: Bring your pricing model to life](https://www.swallow.app/post/swallow-build-bring-your-pricing-model-to-life.md): A quick look at how Swallow’s Build area lets you edit, test, and publish pricing models with complete control and instant feedback
- [Swallow Overview: Core features at a glance](https://www.swallow.app/post/swallow-overview--a-quick-tour-of-the-platforms-core-capabilities.md): See how the AI actuary inside Swallow turns a simple prompt into a fully tested and deployable insurance pricing model for electric vehicles in just a few clicks
- [Why Modern Insurers Are Moving to AI-Powered Enterprise Pricing Engines](https://www.swallow.app/post/why-modern-insurers-are-moving-to-ai-powered-enterprise-pricing-engines.md): A look at how AI is transforming insurance pricing, from spreadsheet-based models to enterprise-grade rating engines built for speed, consistency, and control
- [Swallow / MGT](https://www.swallow.app/post/swallow-mgt.md): How MGT use Swallow to power AI-driven pricing, accelerate model updates and support fast, reliable commercial insurance quoting.
- [AI Agent for Insurance Products](https://www.swallow.app/post/ai-agent-for-insurance-products.md): Sam talks through our new AI Agent for Insurance products. Get a new Insurance product built and live within a couple of minutes.
- [Swallow / Ouch!](https://www.swallow.app/post/swallow-ouch.md): How Ouch! used Swallow to launch digital takaful products faster, with transparent pricing, audit readiness and seamless model updates.
- [Pricing Pain Point #4 - Slow deployment](https://www.swallow.app/post/publishing-challenges.md): Whilst the modelling process is where pricing strategy begins, getting changes in front of customers is where the rubber hits the road and new pricing is tested with real customers. Moving quickly to make changes to live pricing offers pricing teams an opportunity to respond to the market, test and iterate, and roll out new products.
- [Pricing Pain Point #3 - Testing concerns](https://www.swallow.app/post/testing-challenges.md): With pricing critical to growth and profitability, businesses must understand the impact of any price changes, as well as ensure what goes live to customers is identical to that modelled. With pricing driven by complex financial models, this is particularly true - a percentage point error in the code deployed could easily lead to a significant financial impact.
- [Swallow / Open](https://www.swallow.app/post/swallow-open.md): How Open used Swallow to launch embedded insurance in the UK faster, with flexible pricing, rapid updates and lower operational cost.
- [Pricing Pain Point #2 - Lengthy process](https://www.swallow.app/post/process-challenges.md): In any fast moving business, having a clear record of decisions, changes and their impacts is key to operating efficiently and successfully. For regulated industries, a clear governance process is a requirement and critical to ensuring compliance with local regulations.
- [Pricing Pain Point #1 - Data issues](https://www.swallow.app/post/data-challenges.md): Underlying all pricing strategy is data, whether it be on the market and competition or a company’s own quote, sales and cost data. Collecting this data and using it to inform future pricing decisions is one of a pricing team’s key objectives.
- [Swallow / Rivr](https://www.swallow.app/post/rivr-swallow.md): How Rivr uses Swallow to deliver pricing models faster, with better governance, smoother client handovers and one-click deployment.
- [What we've learned about pricing](https://www.swallow.app/post/what-weve-learned-so-far.md): Over the past few months, we've talked to over 100 pricing and technology professionals from a range of industries. From our conversations, many pricing pain points have emerged, helping us to better understand the challenges businesses face and inform the direction of our platform.
- [Why I created Swallow](https://www.swallow.app/post/why-i-created-swallow-for-pricing.md): Financial pricing models (think insurance, credit, mortgages, financing, leasing, memberships) have, and continue to be, designed in spreadsheets and published through in-house custom code or legacy enterprise software. Pricing changes can take weeks instead of hours.
- [We feel you, pricing is hard...](https://www.swallow.app/post/what-are-financial-pricing-operations.md): Dynamic pricing is hard to create and serve to your customers. Because it is hard, it can become a technical concern rather than a business concern. Here be where the dragons lie.

## Optional

- [Banking | Swallow - Revolutionise Banking Pricing with Agility and Compliance](https://www.swallow.app/use-cases/banking): Swallow empowers banks to create precise, compliant, and scalable pricing strategies that drive profitability and build customer trust
- [Insurance | Swallow - Transform Insurance Pricing with Precision and Efficiency](https://www.swallow.app/use-cases/insurance): Swallow empowers insurance companies to deliver compliant, dynamic, and scalable pricing solutions that drive profitability and customer trust
- [On-Demand Pricing | Swallow - Transform On-Demand Pricing with Precision and Agility](https://www.swallow.app/use-cases/on-demand-pricing): Swallow empowers on-demand companies to optimize dynamic pricing strategies, automate compliance, and scale seamlessly to meet customer needs
- [Usage SaaS Pricing | Swallow - Unlock Scalable Pricing for Usage-Based SaaS](https://www.swallow.app/use-cases/usage-saas-pricing): Swallow empowers SaaS companies to optimize dynamic pricing, automate compliance, and drive customer satisfaction with precision and scalability
- [Usage Tariff Pricing | Swallow - Revolutionise Usage Tariffs with Smarter Pricing](https://www.swallow.app/use-cases/usage-tariff-pricing): Swallow empowers usage tariff companies to create flexible, scalable, and compliant pricing models that adapt to customer behavior and market demands
- [Finance | Swallow - Optimise Financial Outcomes with Smarter Pricing](https://www.swallow.app/teams/finance): Swallow empowers finance teams to create precise, compliant pricing models that drive profitability and efficiency
- [Compliance | Swallow - Empower Compliance with Precision and Speed](https://www.swallow.app/teams/compliance): Swallow ensures your pricing stays compliant, transparent, and agile - so you can focus on safeguarding trust
- [Engineering | Swallow - Accelerate Engineering for Scalable, Accurate Pricing](https://www.swallow.app/teams/engineering): Swallow empowers engineers to build fast, reliable, and adaptable pricing systems that scale with your fintech
- [Data Science | Swallow - Empower Data Science Teams with Predictive Pricing Precision](https://www.swallow.app/teams/data-science): Swallow enables data science teams to build, test, and deploy data-driven pricing models with speed, accuracy, and scalability
- [External Stakeholders | Swallow - Build Trust with External Stakeholders Through Transparent Pricing](https://www.swallow.app/teams/external-stakeholders): Swallow empowers fintechs to deliver pricing clarity and accuracy, fostering confidence among external partners and regulators
- [Underwriting | Swallow - Revolutionise Underwriting with Smart Pricing Solutions](https://www.swallow.app/teams/underwriting): Swallow empowers underwriting teams to create, test, and deploy precise pricing models, accelerating decisions and improving risk management
- [C-Suite | Swallow - Drive Strategic Growth with Cost Savings and Operational Efficiency](https://www.swallow.app/teams/c-suite): Swallow empowers C-suite executives with agile pricing strategies and actionable insights to enhance profitability and operational excellence
- [Marketing | Swallow - Drive Marketing Success with Pricing Insights](https://www.swallow.app/teams/marketing): Swallow equips marketing teams with actionable pricing data to craft compelling strategies and optimize customer acquisition
- [Changelog](https://www.swallow.app/changelog): Product updates.
- [Status](https://www.swallow.app/status): Service status.
- [RSS feed](https://www.swallow.app/blog/rss.xml)
- [Log in](https://swa.llow.io): The Swallow platform.