RealRate: Insurance Ratings based on Artificial Intelligence We have some unique characteristics, contrasting the traditional rating approach: * Independence: We do not work on behalf of the insurers * Use of artificial intelligence, enabling causal analysis of financial strength * Holistic company analysis, instead of just a bunch of key ratios * Fast and deep: our graphs let you understand a company within 2 minutes Insurance companies can purchase the RealRate seal of approval to show their customers their highly competitive market position. For insurance customers, financial strength is the most important indicator of return on their premiums paid. For brokers our rating service allows for a qualified and independent financial advice. RealRate combines a self developed expert system for insurance companies with innovative methods of artificial intelligence. We use structural neural networks to determine the causal effects of financial strengths. This allows for a fast and deep understanding of the analyzed companies, saving time and work for reading and analyzing the year-end reports, which is a difficult task. RealRate's business model is highly scalable. Reports are generated automatically. In August 2019 we published ratings of all German life insurers. There are already more than 300 rating reports available. Next steps will be German health and property/casualty insurers. The approach finally will be adapted to other countries and branches like banks, industry etc. RealRate was chosen to be one of the most promising German AI startups, see https://appliedai.de/startup-landscape-2020. RealRate is one out of eight companies in the category 'Finance and Insurance.' RealRate is part of the following international accelerators: Startupbootcamp, GSD Venture, Newchip