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Rating is a core function of a carrier's business and directly impacts its revenues. Rating involves the implementation of complex algorithms as required by the actuarial and product management groups. These objectives are achieved by employing rating engines that are built on various technological platforms. Implementation of unique and the most advanced technologies is a major differentiator for an insurance company in a crowded industry. Many companies have already transitioned or are in the process of migrating from legacy software systems to more advanced technologies. In line with such technological advancements, areas associated with 'Rating' too are seeing major changes.