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The Most Advanced Behavioral Predictions in Insurance

Pinpoint provides the earliest and most accurate risk predictions, enabling top-line growth and delivering on profitability targets.

Days away from better predictions

Carrier-specific, custom Loss Prediction and Risk Score created within days. Backtesting and blind validation within 30 days confirms the additional predictive power at your fingertips. Best of all, predictions are immediately deployable, with real impact right around the corner.

Grow profitably? Pinpoint clients can.

With Pinpoint, insurers and MGAs discover highly accurate loss predictions for customers at the earliest possible stage – long before underwriting and even before quotes. Using the power of a highly advanced AI called Deep Learning, combined with our own proprietary behavioral economics data and curated intelligence, Pinpoint helps our clients improve loss ratios by 3 – 9 points, or more.

Loss Predictions

The most accurate actuarial loss model available at top-of-funnel: frequency, severity, and loss cost predictions for new and existing customers
The only commercially available deep-learning powered solution, leveraging trillions of data points to create the most accurate predictions
Custom predictions created within days, back tested, and validated within 30 days
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Pinpoint

Baseline

Risk Scores

Unmatched risk predictions even before an application is submitted
Behavioral Deep-Learning identifies and quantifies risk more accurately than ever before
Predictions of how much more, or less, likely an individual is to engage in risk behavior available within a day

Risk Scores

Litigation

Our litigation propensity scores provide our clients with immediately deployable predictions that allow them to keep coverage available and affordable for most of their customers – those highly unlikely to engage in predatory litigation.

Pinpoint originally developed the Litigation risk score for Florida homeowner insurers in response to litigation costs reaching more than 20% of premiums, and it has now been extended into additional business lines. 

SIU Referral

Created at the point of quote, well before other fraud propensity models, Pinpoint’s SIU Referral score identifies risk at the top of the funnel, before binding a new policy and long before first notice of a claim, enabling insurers to greatly reduce fraud and fraud-related expenses.

Cancellation

Accurately predicting customer churn and retention, Pinpoint’s Cancellation risk score has been proven to have high signal and low correlation with credit in our client’s internal propensity models. The incremental gains are particularly significant in situations where insurers cannot use credit scores due to state, regulatory, or other concerns.

Premium Leakage

Identifying and quantifying risk probabilities for specific scenarios, Pinpoint’s Premium Leakage risk scores indicate when potential customers are likely to fail to disclose full and accurate information in the application process, which could lead to an insufficient collection of premiums to cover the commensurate risk. In the case of homeowners, these scores can be trained to predict specific inspection outcomes. For small business lines, premium leakage risk scores include better prediction of class codes and bad debt.

Get Started Now

Within 30 days, you can have custom Loss Predictions and Risk Scores ready to deploy.  Connect with us today to find out just how easy it is to get started.

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