Pinpoint Predictive- InsurTech Innovation Award 2022

1. Pinpoint Predictive provides Property & Casualty insurance
carriers with individual loss predictions on consumers at
the very beginning of their journey.
Pinpoint's deep learning-powered platform unlocks 8-9
figures in annual savings for insurers by identifying the
most - and least - profitable consumers through
quantifying unpriceable risks like individual loss cost,
litigation, SIU referral, cancellation, and premium leakage
earlier and more accurately.
With the ability to predict risk before
an application is submitted, Pinpoint’s
clients can implement intelligent
growth strategies to increase customer
lifetime value and materially increase
profitability.
Pinpoint provides the largest and
fastest improvements to loss ratios in
the ecosystem - taking less than a week
to develop custom risk scores that are
immediately deployable.
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2. Industry Challenges
Most insurers still do not yet have a way to predict
an individual’s profitability accurately at top-of-
funnel. Pinpoint’s clients do. They know an
individual’s loss cost before an application is ever
submitted. Therefore, our clients can create
intelligent growth strategies that maximize
profitability and materially impact loss ratios.
This significant positive bottom-line impact allows
our clients to redeploy their capital, strategically
creating more relevant experiences for their existing
and new customers. The result is a shift of their
book to a more favorable risk mix.
Social inflation has driven higher insurer claim payouts and loss
ratios; increased litigation and premiums have, in turn, cause
negative consumer sentiment and can further social inflation and
policy churn
S o c i a l I n f l a t i o n
51% of US insurers have been trading below book value.1 And,
the 2022 combined ratio for the property and casualty
insurance industry is expected remain unfavorable2
P r o f i t a b i l i t y P r e s s u r e s
Pressure to grow with and through digital technologies and
direct channels has negatively impacted loss ratios as risk
selection has been ineffective or absent
G r o w t h I m p e r a t i v e s
1 McKinsey, February 2022
2 Insurance Information Institute (Triple-I) and Milliman August 11, 2022
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3. Two solutions, one
objective –
increase profitability
Loss predictions include claims frequency, severity, and pure premium.
This means that an insurer will know the cost of a claim for a prospect
before the application is even submitted.
Loss Predictions
Risk scores includes the unpriceable risks of litigation, SIU referral at point
of quote, cancellation, and premium leakage. These risk scores quantify
individual, previously unpriceable, risk for all new and existing clients.
Risk Scores
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4. We offer small businesses a
complete array of online
marketing solutions to fit any
budget, our search engine.
W R I T E Y O U R T I T L E
We offer small
businesses a complete
array of online
marketing solutions to
fit any budget, our
search engine.
L o s s P r e d i c t i o n s
Loss Predictions
This top-of-funnel intelligence
allows insurers to increase or
decrease friction in the
application and binding process
to expedite the experience for
the least risky customers.
Our unmatched loss predictions
also enable carriers to create
and implement more profitable
targeted growth and pre-
renewal strategies.
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5. We offer small businesses a
complete array of online
marketing solutions to fit any
budget, our search engine.
W R I T E Y O U R T I T L E
We offer small
businesses a complete
array of online
marketing solutions to
fit any budget, our
search engine.
L o s s P r e d i c t i o n s
Risk Scores
Our automated modeling capabilities
leverage deep learning, which provides our
clients with a competitive advantage.
Simply uploading 3 datasets enables our
clients to create custom risk scores for
specific applications, such as:
• SIU Referral at Point of Quote
• Litigation
• Cancellation
• Premium Leakage
These risk scores, as well as the
accompanying Explainable Analytics, identify
and quantify key risks earlier than ever, even
prior to application submission.
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Litigation Model

6. Fastest Time-to-Value in the P&C Ecosystem
Clients securely upload their datasets
to the OnPoint Platform. During the
Proof of Value, our platform maps
these internally with our proprietary
data and thousands of new datapoints
per person. Our platform’s deep
learning algorithms then automatically
generate models customized to each
book of business.
Each record in the blind validation set
receives a loss prediction or risk score.
The actuarial loss prediction predicts
frequency, severity, and pure premium.
The classifier risk scores quantify how
much more or less likely than average the
prospect is to engage in the risk behavior.
A back test validates predictive
performance.
In addition to loss predictions and
risk scores, the OnPoint platform
creates three other easy-to-use
outputs: a suite of explainable
analytics, lift charts, and a Return on
Investment (ROI) calculator that
quantifies dollar savings. All outputs
are available within the first week of
dataset upload.
Generate Models Validate Outcomes Intelligent Insights
Immediately deployable predictions and scores available within 30 days
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7. To get your company’s name out
there, you need to make sure you
promote it in the right place.
Translating Results to ROI
Once clients have completed a Proof of Value with Pinpoint, our
OnPoint ROI calculator helps visualize the impact of implementing
smart growth and profitability strategies and visualizes actual
dollars gained. The calculator simulates future scenarios including
where insurers will be with or without using Pinpoint.
It also forecasts the impact of implementing growth and
experience strategies such as:
- Targeting new growth with lowest risk customers
- Avoiding risk through improved selection
- Making intelligent pre-renewal decisions
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8. Sample Successes and Commercial Deployments
Carrier A Carrier B Carrier C Carrier D
Goal
Pre-renewal decision
prioritization; stopping premium
leakage
Targeted growth and carrier
non-renewal
Scoring leads from search engine
and embedded insurance
Targeted growth and pre-
underwriting prioritization
Model Home inspection Non-cat water pure premium Loss Ratio Claims frequency and severity
Outcome
30x decile spread on home
inspection premium leakage
Savings equal to 21% of premiums Savings equal to 10% of premiums Savings equal to 9 figures
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9. We are extremely proud of our growing
clientele. These are the companies that are
making forward thinking strategic
investments – propelling the Property and
Casualty industry into the future.
Sample of Customer
Testimonials
“Pinpoint has provided game-changing new data to
drive markedly improved loss ratios through better
risk selection and claims handling.”
Analytics Team
AmTrust Financial
“After just a few weeks of evaluating Pinpoint’s
custom loss scores, we saw a significant
improvement in loss ratio, and in predictive
performance in our non-pay cancel model. In
addition, the explainability of lift in predictive
power yielded valuable insights. The Pinpoint team
is helpful, knowledgeable, and easy to work with.”
Alice Robinson
Chief Actuary, Metromile
“Pinpoint’s deep-learning platform allowed us to
predict non-cat homeowner’s losses at the
beginning of the customer journey for the first
time. Moreover, this score adds a remarkable
new incremental lift above and beyond our rating
model; it’s one of the most predictive factors
we’ve seen.”
Michael Pauletti
SVP and Chief Pricing and Actuarial Officer, CSE
Insurance
"Pinpoint provided significant predictive
advancement in the identification of a highly
important loss exposure. This enables Ohio
Mutual to better identify premium leakage and
loss mitigation opportunities in our
Homeowners book.”
Business Analytics Team
Ohio Mutual Insurance Group
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10. Pinpoint puts the power of behavioral economics and deep learning into the hands of insurers, something they
have never had before. The process of applying deep learning to trillions of data points enables highly predictive
risk scores.
The result – individualized intelligence and a new path to profitable growth.
Pinpoint maintains data resources for 260 million US
adults, making propensity scores accessible to
carriers via batch onboarding and real-time API.
Pinpoint is fully compliant with CCPA, has continuous
SOC 2 Type II monitoring, does not scrape customers’
data, and has filed several patents for privacy-safe
data architecture.
The Proof of Value process
requires very little data and
only a few hours of work
from the carrier to be
completed. Clients validate
our model performance
during a 30-day proof of
value to evaluate both
individual lift performance
and combined lift on top of
existing models.
The data behind our process
is a mix of proprietary first-
party data and custom opt-in
data sourced from the most
reputable data providers,
curated specifically for the
insurance industry. And it
does not include protected
class data, geographic data or
credit.
The OnPoint platform is fully
automated and connects
outcomes to actuarial
distributions.
We provide best-in-class
identity resolution
capabilities.
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