P&C Insurer Loss Predictions and Risk Scores Solution Provider

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Pinpoint Predictive provides P&C insurers the earliest and most accurate loss predictions and risk scores to fast-track profitable growth. Unlike traditional methods, Pinpoint’s platform leverages deep learning, proprietary behavioral economics data, and trillions of individual behavioral predictors to help insurers identify the risk costs associated with customers and prospects. Recipient of Insurtech 100 Awards 2022, Insurtech Vanguard & AI Breakthrough Awards 2023.

Pinpoint's platform OnPoint is fully automated and does not require coding or modeling by clients. OnPoint is powered by the first commercially available behavioral deep learning specialized for this purpose, and is compliant with top information security standards, privacy and insurance regulations, and ethical AI standards.

Pinpoint undergoes SOC 2 Type 2 certification on a yearly basis. Our platform is compliant with CCPA and similar privacy regulations, as well as relevant insurance regulations. Our data, algorithms, and methods also undergo third-party review and certification for AI bias with respect to best practices and legal requirements related to bias in insurance and other industries in the US.

Key Features

Pinpoint Predictions focus on the risk of the person who is insured, rather than the property or the business being insured. Unlike traditional methods of assessing risk during rating, which focus on a relatively small number of variables directly connected to the property being insured or broad demographic categories, clients receive back immediately deployable risk segmentation in real time.

Leverage trillions of behaviorial predictors associated with over 250 million US adults while bridging the gap between insurance analytics and best-in-class behavioral predictions. By going beyond traditional methods of assessing risk (credit scores, zip code, or location), Pinpoint provides deeper insights into the prospects and customers of P&C insurers.

Comply with applicable regulations and standards in the insurance industry. Pinpoint predictions are available at top of the funnel with only a name and address, providing carriers with the earliest access (before the customer journey begins) to actuarial Loss Predictions and other key Risk Scores, including litigation propensity, SIU referral, early cancellation, and certain types of premium leakage.

Clients can implement Pinpoint Predictions and Risk Scores throughout the customer/policyholder lifecycle in the following ways:

- Marketing - To improve marketing performance and resource/budget allocation through determination of optimal marketing strategy and channel

- Customer Acquisition - To determine insurance-specific profitability predictions (frequency, severity and loss cost) and to optimize advertising and marketing spend for profitable growth

- Pre-Application - To receive maximum flexibility in determining the most appropriate customer journey for prospects by using only a name and address

- Pre-Renewal - To forecast future loss ratio and other risks for triaging renewal underwriting

- Customer Acquisition - To determine insurance-specific profitability predictions (frequency, severity and loss cost) and to optimize advertising and marketing spend for profitable growth

- Policyholder Engagement - To identify the most profitable customers allowing underwriting and marketing to focus on these policyholders to maintain/increase the rate of customer retention

- Agency Performance - To quantify latent risk to the overall book; providing additional prospective insights into performance beyond premium dollars and claims

Key Benefits

By deploying accurate predictions with only a name and address, P&C nsurers can access actionable insights at the earliest point to make key business decisions. Pinpoint complements client's rating models, regularly revealing 3 to 10 points in loss ratio reduction without the need to change rates or underwriting rules.

Pinpoint is the first platform to provide deep-learning powered actuarial loss predictions in a fully-automated platform. Data onboarding and deep-learning algorithms run on GPUs that all occur automatically, and provide powerful and custom-model products within 24 hours. Commercial implementation via batch onboarding and real-time API is available using Pinpoint’s self-serve, no-code platform in under 5-minutes. With predictions being available earlier and more accurately than any other risk solution on the market, Pinpoint Predictive is helping change the P&C insurance industry with their AI-driven real-time, light-lift solution for risk segmentation.

When generating custom risk predictions, OnPoint automatically writes out individual predictions to a blind validation set. With these, clients can replicate the lift charts shown on the platform, verifying the actual frequency, severity, loss cost, or loss ratios for each customer segment.

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