# Best Underwriting & Rating Software - Page 6 *By [Neya Kumaresan](https://research.g2.com/insights/author/neya-kumaresan)* Underwriting and rating software manages the underwriting process for insurance agencies. These solutions automate large portions of the underwriting process, reducing the need for underwriting support by employees. Underwriting and rating solutions allow users to write in rules and policies that are executed automatically during the underwriting process. These applications can then conduct pricing and rate analysis, calculate premiums, standardize quotes across channels, and vary rates according to risk and policy information. Underwriting and rating software typically integrates with [insurance agency management software](https://www.g2crowd.com/categories/insurance-agency-management) to further ease insurance operations. To qualify for inclusion in the Underwriting & Rating software category, a product must: - Calculate insurance premiums - Include variable underwriting and rating rules - Manage underwriting tasks - Create auditable underwriting and rating document trails ## G2 Grid® for Underwriting & Rating Software ![G2 Grid® for Underwriting & Rating Software plotting products by satisfaction and market presence](https://www.g2.com/categories/underwriting-rating/grids.png?focus%5B%5D=45815&focus%5B%5D=44734&focus%5B%5D=1272222&focus%5B%5D=18042&focus%5B%5D=18129&focus%5B%5D=18049&focus%5B%5D=43742&focus%5B%5D=43759) Highlighted products: PL Rating, EZLynx, TurboRater, Guidewire PolicyCenter, Duck Creek Policy, Oracle Insurance Insbridge Enterprise Rating, iPro, and OPUS. Underlying data: [Grid® JSON](https://www.g2.com/categories/underwriting-rating/grids.json?focus%5B%5D=pl-rating&focus%5B%5D=ezlynx-ezlynx&focus%5B%5D=zywave-turborater&focus%5B%5D=guidewire-policycenter&focus%5B%5D=duck-creek-policy&focus%5B%5D=oracle-insurance-insbridge-enterprise-rating&focus%5B%5D=ipro&focus%5B%5D=opus) ## How Many Underwriting & Rating Software Products Does G2 Track? **Total Products under this Category:** 126 ### Category Stats (Jul 2026) - **Average Rating**: 4.27/5 (↓0.01 vs Jun 2026) The average rating of products in this category, based on all submitted ratings *Last updated: July 13, 2026* ## How Does G2 Rank Underwriting & Rating Software Products? **Why You Can Trust G2's Software Rankings:** - 30 Analysts and Data Experts - 1,600+ Authentic Reviews - 126+ Products - Unbiased Rankings G2's software rankings are built on verified user reviews, rigorous moderation, and a consistent research methodology maintained by a team of analysts and data experts. Each product is measured using the same transparent criteria, with no paid placement or vendor influence. While reviews reflect real user experiences, which can be subjective, they offer valuable insight into how software performs in the hands of professionals. Together, these inputs power the G2 Score, a standardized way to compare tools within every category. ## Which Underwriting & Rating Software Is Best for Your Use Case? - **Leader:** [PL Rating](https://www.g2.com/products/pl-rating/reviews) - **Easiest to Use:** [PL Rating](https://www.g2.com/products/pl-rating/reviews) - **Top Trending:** [TurboRater](https://www.g2.com/products/zywave-turborater/reviews) - **Best Free Software:** [Best Plan Pro](https://www.g2.com/products/best-plan-pro/reviews) --- **Sponsored** ### SpotDraft SpotDraft is an AI-powered contract lifecycle management (CLM) software platform that enables legal, sales, finance, HR, and procurement teams to create, review, negotiate, sign, store, and track contracts within a single system. It is designed for mid-market and growing organizations that need structured contracting processes without the configuration depth or implementation timelines of enterprise CLM systems. SpotDraft is used by more than 450 companies. The platform covers the full contract lifecycle: legal intake and request routing, template-based drafting, AI-assisted review, negotiation and collaboration, approval workflows, e-signature, a centralized repository, and reporting on contract status, turnaround time, and obligations. AI is embedded across these stages rather than offered as a separate tool - the VerifAI capability reviews and compares contracts inside Microsoft Word, and the Sidebar feature uses AI agents to monitor regulatory change. Common use cases include standardizing how contract requests reach the legal team, reducing review and turnaround time, generating high-volume contracts from templates, maintaining visibility into renewals and obligations, and centralizing agreements for audit and compliance. Key features and capabilities include: - Legal intake and workflow automation that routes contract requests to the appropriate owner and automates approvals, reminders, and signatures. - VerifAI contract review, which identifies clause-level risk, compares versions, and summarizes changes between drafts, operating directly within Microsoft Word. - Contract generation, editing, and negotiation using templates, playbooks, and a collaborative editor across Word, Slack, and SpotDraft. - eSignatures, repository, and analytics, including native e-signatures compliant with ESIGN and eIDAS, Aadhaar-verified signatures, a searchable single source of truth, and dashboards for contract analytics. - Integrations with CRMs, HRMS, and storage tools including Salesforce, HubSpot, Slack, Gmail, Outlook, Microsoft Word, Google Drive, and SharePoint, plus Zapier. SpotDraft is offered through subscription-based pricing with tiers based on features, users, and usage, and includes dedicated onboarding and 24/7 support. The platform holds ISO/IEC 27001 certification and SOC 2 (Type 1 and Type 2) compliance, supports GDPR and HIPAA requirements. [Visit website](https://www.g2.com/external_clickthroughs/record?secure%5Bad_program%5D=ppc&secure%5Bad_slot%5D=category_product_list&secure%5Bcategory_id%5D=597&secure%5Bchosen_at%5D=2026-07-15T08%3A01%3A04Z&secure%5Bdisplayable_resource_id%5D=4&secure%5Bdisplayable_resource_type%5D=Category&secure%5Bmedium%5D=sponsored&secure%5Bplacement_reason%5D=retargeted_product&secure%5Bplacement_resource_ids%5D%5B%5D=134022&secure%5Bprioritized%5D=false&secure%5Bproduct_id%5D=134022&secure%5Bresource_id%5D=597&secure%5Bresource_type%5D=Category&secure%5Bsource_type%5D=category_page&secure%5Bsource_url%5D=https%3A%2F%2Fwww.g2.com%2Fcategories%2Funderwriting-rating%3Fpage%3D6&secure%5Btoken%5D=ff18391132dbae61ec7e3b3560d0a454fa36fca7566b3a3066afb04aba5a411d&secure%5Burl%5D=https%3A%2F%2Fwww.spotdraft.com%2Falp%2Fwhy-choose-spotdraft%3Futm_source%3DG2%26utm_medium%3Dads%26utm_campaign%3Dwebsite&secure%5Burl_type%5D=custom_url) --- ## What Are the Top-Rated Underwriting & Rating Software Products in 2026? ### 1. [Xemplar Auto](https://www.g2.com/products/xemplar-auto/reviews) Xemplar Auto is a product for Standard, Non-Standard, and Preferred Personal Auto Insurers as a white-labeled mobile app for insured policyholders to provide digital policy services and risk prevention. Xemplar Auto includes the digital policy services found in Xemplar Engage, but also adds robust, smartphone based telematics features for driver safety self-assessment and targeted risk management. The solution is a Mobile app (iOS, Android) for insured drivers, and a cloud-based portal for carriers that provides a variety of BI reports for risk exposure analysis, etc. **Who Is the Company Behind Xemplar Auto?** - **Seller:** [Prime Technology Group](https://www.g2.com/sellers/prime-technology-group) - **Year Founded:** 1999 - **HQ Location:** Santa Clara, US - **LinkedIn® Page:** https://www.linkedin.com/company/encorainc (7,973 employees on LinkedIn®) ## What Is Underwriting & Rating Software? [Insurance Software](https://www.g2.com/categories/insurance)