Cognition+ Broker Connectivity Introduces RateBridge Integration with Applied Rating Services

Cognition+ is thrilled to announce a new RateBridge integration with Applied Rating Services (ARS), developed in collaboration with the pilot client, HTM Insurance Company, and its team. The new service connects Cognition+ Broker Connectivity with ARS RateBridge so brokers and agents can generate quotes using current rates, underwriting rules, and supported third-party rating variables earlier in the customer journey. 

The collaboration brings together Cognition+’s insurance technology, HTM’s operational and underwriting experience, and ARS’s brokerage rating capabilities. By aligning the initial quote more closely with the insurer’s current requirements, the integration is designed to reduce discrepancies at binding and create a more efficient quote-to-bind experience. 

RateBridge gives Cognition+ clients a practical way to improve quote quality without changing the broker’s existing workflow.

Key benefits include: 

• Faster quote turnaround using current rates and underwriting rules. 
• Greater rating flexibility, including supported third-party variables such as peril or credit scores. 
• More accurate initial premiums and fewer adjustments when a policy is submitted for binding. 
• Less manual clarification and rework for brokers, agents, and underwriting teams. 
• A clearer customer experience with fewer follow-up requests and unexpected premium changes. 

For Cognition+ clients, these improvements can strengthen broker relationships and free teams to focus on underwriting and service rather than reconciling differences between an early quote and the final policy. 

Built Through Industry Collaboration 

HTM worked closely with Cognition+ throughout the development of the integration, contributing operational insight and helping shape the service around real-world insurer, broker and policyholder needs. 

“This collaboration is a strong example of how insurers and technology partners can turn frontline experience into meaningful business improvements. RateBridge will help us provide brokers with better 2  information earlier, reduce avoidable work across the policy lifecycle, and ultimately create a more consistent experience for our policyholders.” — Alec Harmer, Chief Executive Officer, HTM Insurance Company 

Advancing Connected Insurance Workflows 

The RateBridge integration extends Cognition+ Broker Connectivity by making current rating and underwriting information available at the point of quote. This helps Cognition+ clients improve quote quality, reduce manual clarification and rework, support faster decisions, and deliver a clearer, more consistent experience for policyholders. 

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About HTM Insurance Company 

Founded in 1898, Hamilton Township Mutual Insurance Company (HTM) is an Ontario property and casualty mutual insurer headquartered in Cobourg. HTM provides automobile, property, and liability insurance and works with brokers, agents, and industry partners to protect its members and support the communities it serves. 

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