Effective

Research insurance carriers, MGAs, products, regulatory filings and source documents with Effective. Compare competitors' filed rate changes, coverage wording, exclusions and endorsements; review actuarial memos and carrier financials; and create or update working filings, organize their document references and comment on objections. Preparing a filing workspace does not submit it to a regulator.

Sign in with your Effective account through OAuth. Your account determines which organization and data you can access, and write access requires the matching OAuth scope and Effective permissions. Discovery and some API operations consume Effective credits.

Effective receives the query and inputs needed for each requested task. Discovery sends its query and optional intent to Anthropic Haiku through Vercel AI Gateway to choose an endpoint; Effective meters that usage.