Annuity pricing has always been complex, but today the pressure on providers is unprecedented. Teams are expected to move faster while maintaining governance, capital alignment, and regulatory defensibility. Fragmentation across spreadsheets, legacy systems, and disconnected modelling environments is the real constraint for many insurers, making it harder to keep pace with market demands.
Earnix has introduced Price-It for Annuities™, the first unified solution for annuity pricing built on technology insurers already trust. The platform is designed to bring speed, control, and operational insight to one of insurance’s most challenging domains.
Why annuity pricing is so difficult today
Annuities are inherently complex due to long-term cashflows, capital requirements, and regulatory constraints. Many pricing teams, however, still work through slow, manual, and disjointed workflows not built for speed or scale. This reduces visibility into profitability, liquidity, and capital implications.
The consequences are significant: slower iteration cycles, higher operational risk, and time-consuming reconciliation across teams. In a fast-moving market, these limitations make it harder for providers to respond quickly to economic and competitive shifts.
How Earnix approaches annuity pricing differently
Earnix closes the gap between projections and execution. Rather than pricing work living in spreadsheets and then being rebuilt for production, Price-It for Annuities™ integrates lifetime cash-flow projections, pricing analytics, alternative strategies, and governed production deployment in a single platform.
Pricing teams can design strategies, run scenarios side by side, validate profitability, liquidity, and capital impacts earlier, and deploy changes in a controlled manner — often in hours rather than weeks. This unified approach brings speed without sacrificing governance.
Outcomes providers can expect
For life and annuity providers, the benefits are tangible. Price-It for Annuities™ enables faster time to market, more capital-efficient pricing supported by forward-looking projections, and clearer insight into profitability and liquidity. Governance is built in, supporting both risk management and regulatory requirements.
Operationally, teams can run more scenarios, iterate faster, reduce manual reconciliation, and respond promptly to economic and competitive shifts. Overall, it transforms pricing from a reactive process into a proactive, strategic capability.
Why now is the right time to bring Earnix to annuities
Economic volatility, regulatory scrutiny, and accelerating pricing cycles are exposing the limits of decades-old systems and spreadsheet-based workflows. Market teams want speed but also require transparency, traceability, and control.
Earnix’s differentiation is less about better maths and more about organisational velocity with governance intact.
For providers exploring modernisation of annuity or life pricing operations, the priority is clear: move faster, stay aligned with the balance sheet, and keep governance non-negotiable. Price-It for Annuities™ is designed to deliver exactly that.
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