{"product_id":"insurance-pricing-adequacy-calculator","title":"Insurance Pricing Adequacy Calculator","description":"\u003cdiv\u003eComputes combined ratio, operating ratio, loss ratio, expense ratio, and indicated rate need from premium, loss, expense, and investment income inputs — then flags the pricing adequacy band and delivers a rate action recommendation. Use when reviewing rate adequacy for a line of business, diagnosing an underpriced book, preparing a rate filing rationale, or evaluating whether current pricing supports the target return.\u003c\/div\u003e\u003cdiv\u003e\u003c\/div\u003e\u003cdiv\u003e\u003cem\u003eThis skill is delivered as a \u003ccode\u003e.zip\u003c\/code\u003e archive containing the skill in a named folder, matching the Anthropic SKILL.md format. Extract directly into your Claude Code skills directory (\u003ccode\u003e~\/.claude\/skills\/\u003c\/code\u003e) to install — or open and paste the contents into Claude.ai, ChatGPT, or any other AI tool.\u003c\/em\u003e\u003c\/div\u003e","brand":"penguin tree ai","offers":[{"title":"Default Title","offer_id":52263656980782,"sku":"insurance-pricing-adequacy-calculator","price":5.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0982\/4203\/6014\/files\/insurance-pricing-adequacy-calculator_cf0fe550-43b7-450e-9e5c-b35d429ce24a.png?v=1782957500","url":"https:\/\/penguintree.ai\/products\/insurance-pricing-adequacy-calculator","provider":"penguin tree ai","version":"1.0","type":"link"}