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Avenue Analytics
Expert consulting for AI-powered insurance pricing that regulators understand
Convert powerful ML models into transparent, regulator-ready factor tables.
Modernizing Insurance Pricing
The Challenge
Most insurers rely on outdated statistical methods that produce compliant tables but require extensive manual work.
Modern ML offers better predictions with less effort, but its “black box” nature prevents regulatory approval.
Our Solution
Avenue Analytics combines AI power with regulatory-ready transparency, reducing weeks of work to minutes.
Our Python-based solution integrates with modern data science workflows, helping actuarial teams work faster and smarter.
Research & Methodology
Our consulting approach is backed by rigorous research and proven methodologies
Transparent Machine Learning for Insurance Pricing: Bridging the Gap Between Accuracy and Explainability
Author: Lucas Muzynoski, Founder of Avenue Analytics
Abstract
This paper presents a novel methodology for implementing machine learning models in insurance pricing that maintains full regulatory transparency while achieving superior predictive accuracy. We demonstrate a mathematical equivalency between complex ensemble models and traditional factor tables, enabling insurers to deploy advanced AI while satisfying strict regulatory requirements.
Key Contributions
- Mathematical proof of equivalency between boosted trees and factor tables
- Automated feature engineering framework for insurance data
- Regulatory compliance framework for transparent AI models
💡 Consulting Application:
This research forms the foundation of our consulting methodology. We help insurance companies implement these proven techniques, providing hands-on guidance for model development, regulatory approval, and successful deployment.
Interested in implementing these methodologies at your organization?
Schedule a ConsultationWhy Choose Avenue Analytics
Expert consulting with proven methodologies and enterprise-ready solutions
Expert Consulting
Get personalized guidance from an industry expert who understands both the technical challenges and regulatory requirements of insurance pricing.
Automated Model Development
Learn our proven approach to automate feature engineering and interaction searching. Our methodology explores the function space to find the most predictive models efficiently.
Enterprise-Ready Scalability
Avenue uses an extremely fast and efficient modeling framework that gracefully scales to millions of records.
Transparency & Compliance
Transparency that goes way beyond Shap values. Effortlessly trace every prediction through familiar factor tables that satisfy regulators and stakeholders.
Complete Control
Easily review, understand, and explain every factor in the model.
Modern Tech Integration
Unlike many competitors, Avenue is Python-based. It seamlessly integrates with the modern data science tech stack and workflow.
Superior Accuracy
No compromises! Get the full predictive power of advanced machine learning while maintaining the clarity that regulators and stakeholders expect.
Why “Avenue”?
av·e·nue /ˈavəˌn(y)o͞o/
A broad road in a town or city, having trees at regular intervals along its sides
Like its namesake, Avenue Analytics creates clear, organized pathways through complex data, mirroring the orderly trees that line a grand avenue.
A way of approaching a problem or making progress toward a solution
We provide insurance carriers with an innovative avenue toward better pricing, offering a clear path to improved outcomes through our explainable AI approach.
Our Story
Before I founded Avenue Analytics, my career lived in two worlds: insurance pricing, where regulations forced us to use outdated GLMs, and production data science, where we deployed powerful machine learning with ease.
The gap was maddening until I discovered something hidden in plain sight: a perfect mathematical equivalency between complex boosted tree models and simple factor tables.
Today, I help insurance companies bridge this gap through expert consulting and proven methodologies. Whether you need strategic guidance, hands-on implementation support, or our Avenue Analytics software, I'm here to help you deploy advanced models while meeting strict regulatory requirements.
Expert guidance. Proven solutions. No compromises.
— Lucas Muzynoski, Founder