A P&C carrier lifted 30 years of state rating endorsements out of COBOL and into decision tables actuaries could check.

Separating the rate algorithm from the state exceptions

PYD ENTERPRISES parsed the rating, policy issuance and billing interface systems together, so a premium could be traced from the CICS rating transaction through the batch re-rate jobs to the billing extract. Program slicing on the final premium field isolated the base algorithm: base rate, territory factor, class factor, limit factor and the experience modifier, applied in a fixed order with ROUNDED at two specific steps.

State endorsements were then extracted as separate decision tables, one per state and line of business, with a DMN hit policy of FIRST to match the original EVALUATE ordering. Where a state rule depended on the policy flag byte, the 88-level condition names became named FEEL inputs, so POL-NY-SURCHARGE-EXEMPT reads as a boolean input rather than a bit test.

Actuarial review and equivalence fixtures

Actuaries reviewed the tables in the sign-off view and compared them against the carrier's filed rate manuals. They found three territory factor tables in VSAM that no longer matched the filed manual; the code had been right and the manual out of date. The behavioral test generator then produced 1,200 boundary fixtures (state, class, limit and modifier combinations at every branch edge) with expected premiums captured from the existing engine.