Earnix Ltd.

Earnix is a global provider of AI-driven intelligent decisioning solutions for the financial services industry, primarily serving insurers and banks. Founded in 2001, the company's core mission is to transform how these institutions operate by leveraging predictive and generative AI to unlock value across various business facets. Headquartered in Ramat Gan, Israel, Earnix also maintains a significant North American presence with offices in Waltham, Massachusetts.

The company offers a comprehensive platform that includes AI-driven pricing, rating, underwriting, and product personalization tools. Key offerings include its enterprise rating engine, dynamic pricing capabilities, analytical underwriting, and a personalization engine that customizes product recommendations. Earnix's recently launched AIOS (AI Orchestration System for Insurance) extends intelligent decisioning across the entire insurance lifecycle, encompassing risk analysis, claims, customer engagement, and retention strategies. The platform serves over 300 global customers across property and casualty insurance, life and annuities, retail banking, and commercial banking segments.

Earnix achieved unicorn status in 2021 with a valuation of $1 billion, underscoring its market position. Robin Gilthorpe assumed the role of CEO in February 2023, succeeding Udi Ziv, while Sammy Krikler is the Founder and Chief Insurance Officer. The company has been recognized on FinTech Global's AIFinTech100 list for 2024 and 2025 and was included in CNBC's World's Top Insurtech Companies 2024. Recent developments include the acquisition of Zelros in April 2025 to expand its capabilities and the launch of AIOS in June 2026. Earnix's 2026 Insurance Trends Report highlights the near-universal integration of AI in the insurance sector, though it also points to an existing "AI execution gap."