Pauta by Hábil
Pauta brings your products, rules and pricing together in one place. Your Product, Risk and Actuarial teams manage agreed changes, within the permissions and scope you define, without having to develop each adjustment from scratch. Every calculation returns its breakdown and a record of the rules applied. Designed first for insurers and financial companies with variable products, rates and terms.
How much revenue is being delayed because a pricing rule, business rule, or product is still waiting for development?
Prefer email? Write to us at hola@habil.mx
A Hábil product · 20 years building mission-critical software for insurance, banking, retail, and enterprise
The Problem
Every new product, rate, coverage, add-on, rule or discount depends on several departments. When that logic sits in spreadsheets and in code, the business loses speed, audit trail and control of margin.
“Premiums change based on coverage, territory, deductible, insured amount, age, effective date, and distribution channel. This is not a simple change.”
It combines actuarial tables, rules for deciding who is insured, coverages, surcharges, exclusions and regulatory conditions. If everything sits in code or in spreadsheets, every adjustment becomes a project.
“Monthly payments change based on down payment, term, credit score, vehicle, embedded insurance, and campaign.”
A financial simulator does not just calculate a rate: it adds up the financed principal, interest, insurance, fees, the CAT and the approval rules.
“A promotion changes the price, VAT, shipping, commission, inventory and margin.”
Price depends on the product, volume, channel, membership, zone, coupon and availability. Changing a promotion should not mean touching the system that records sales.
“Customers don't buy just a plan; they buy a plan, device, add-ons, contract term, roaming, and discounts.”
The real offer is a combination of pieces that change by channel, region, number portability and campaign. Pauta lets you model those combinations without rebuilding the channel.
“We don't lose for lack of ideas; we lose because the system doesn't change at the pace of the market.”
When product, pricing and risk depend on long technical cycles, strategy arrives late and margin is governed with little visibility.
The problem is always the same: complex products managed with rigid tools. The scale changes: from an affinity insurance product to a multi-line portfolio, or an auto loan with hundreds of combinations.
How It Works
Define components, coverages, bundles, add-ons, attributes, limits, effective periods, and variations by channel or customer segment.
Upload your tables and define factors, effective dates, formulas, rules for deciding who qualifies, validations, discounts, surcharges and the cases a person must review.
Pauta evaluates the request, calculates the price, returns the breakdown, flags exceptions and keeps an auditable record of the decision.
Configurable Product
Components, coverages, bundles, and add-ons
Versioned Rates
Tables, factors, effective dates and controlled surcharges
Auditable Rules
Who qualifies, what is blocked and what a person reviews
Complete Breakdown
Pricing explained by component and factor
What's Included in Pauta
Pauta brings product, rules and pricing together so a complex product can be defined, decided, calculated and audited without rebuilding systems for every line of business.
Which rate, factor, and effective date were used for this quote?
Why was this coverage excluded or sent to a person for review?
What is the premium breakdown by coverage, surcharge, and discount?
How does the monthly payment change if I adjust the term, down payment, or credit score?
Which combination of plan, device, add-on, and contract term did the customer receive?
Organize products, catalogs and tables in one place. What today is a spreadsheet nobody can afford to lose becomes a single, controlled source that your channels query.
Decides who qualifies, what is restricted or blocked, and which discounts, surcharges and approvals apply. Each rule is versioned, traceable and auditable.
Calculates premiums, monthly payments, costs, returns, add-on services, taxes and commissions with the method each line of business needs.
Where it applies
Auto, life, home, property, major medical expenses, dental, vision, personal accident, affinity programs, fleets and mid-sized businesses. Pauta models coverages, sums insured, deductibles, zones, surcharges and actuarial tables; it applies the rules on who qualifies and sends to a person for review whatever requires it.
InsuranceAuto loans, personal loans, payroll loans and simulators. Calculates the monthly payment, interest, bundled insurance, fees and the Total Annual Cost (CAT), and applies rules by term, down payment, profile and credit history. If the credit decision depends on a score, the platform evaluates rules and scores, and Pauta calculates the price.
Banking and FintechFunds, return scenarios and investor profiles. Lets you simulate, validate and explain financial decisions: what a plan would return and why.
Banking and FintechPrices by product, volume, channel, season, membership, coupon, inventory, shipping, taxes and commission. Pauta returns the total and the cart breakdown.
Retail and omnichannelPlans, devices, add-on services, roaming, number-portability discounts, contract term and taxes. Pauta models offer combinations without rebuilding the channels.
Profiles
You need to launch and update products, coverages, bundles, promotions, or plans without waiting months for every change.
You need tables, factors, business rules, and methodologies to reach production with accuracy, version control, governance, and full traceability.
You need to adjust pricing by channel, segment, campaign, or customer profile without losing visibility into margins or pricing breakdowns.
You need every channel to execute the same process consistently, with clear evidence of what decision was made and why.
You need to turn your business logic into a competitive advantage—not an endless development backlog.
Quoting tools and simulators already built in insurance:see the case studies
Before proposing an implementation, we review with you the process, the systems involved, the people responsible and the first result worth solving. That defines a verifiable scope for Business, Finance and Technology.
Pauta is the product and rate module of Hábil MDW: start with it and, when you need to, add the rest of the platform on the same base. Tell us which product, rate, rule or simulator is stalled. In the first conversation, at no cost, we explain how to bring it to a configurable operation with an audit trail.
Prefer email? Write to us at hola@habil.mx