Frequently Asked Questions

Pinpoint empowers carriers to make better, faster, and more accurate decisions across marketing, underwriting, ratemaking, claims, and more. Our predictive models plug into existing workflows (API or batch) to prioritize high-value acquisition, sharpen pricing and filed rating, improve bind quality, and triage claims early so costs don’t compound, customized to each carrier’s specific experience and outcomes. 

Most solutions deploy in under a week. They integrate seamlessly with any core system or backend process. With a few clicks, our automated platform deploys new models via configurable APIs, turning hypotheses into real-world results with minimal IT disruption. 

Not always. Some models, like Loss Predictions for Personal Auto, Loss Predictions for Homeowners, Attorney Rep Propensity, or Litigation Propensity, require no historical outcomes to begin delivering value. Others, like conversion likelihood or IRPM selection, can leverage your historical outcomes for maximum precision.

Certain Pinpoint models are actuary-built, independently validated, and approved for use in general state filings across states such as Wisconsin, Illinois, Louisiana, and Mississippi. To learn more about our regulatory approvals and compliance process, visit our Compliance Page.

Predictive scores and insights leverage workflows and processes you already utilize. This enhances existing quoting, underwriting, claims, and marketing workflows and processes so your teams can take action with minimal disruption.

By prioritizing leads based on profitability, conversion potential, and mail response likelihood, Pinpoint’s marketing analytics solutions allow carriers to focus only on high-value leads. This eliminates wasted spend and sunken costs on low-yield campaigns and ensures marketing budgets are allocated where they’ll have the biggest impact and likelihood to have positive ROI.

Pinpoint’s underwriting suite supports automation across multiple touchpoints. They are as follows: Eligibility screening for instant risk-aligned decisions. Application flow routing to enable quick and accurate processing. Inspection prioritization for risk-based field resource allocation. Payment plan fit to align billing with risk and retention goals. Cancellation and renewal prediction to reduce churn and protect in-force premium.

Our predictive ratemaking solutions align rates with true risk while maintaining regulatory compliance. Whether for filed products with strict requirements or surplus lines with flexible pricing, Pinpoint helps carriers improve profitability, maintain rate adequacy, and adapt quickly to market shifts.

Our models highlight key claims risk indicators including attorney representation likelihood, litigation potential, fraud propensity, large-loss exposure, specific causes of loss allows teams to act before costs escalate.

Carriers using AI-powered claims optimization can benefit from reduced litigation and fraud exposure, more accurate and proactive reserving, improved closure rates and faster resolution times, better alignment of resources with high-risk claims, stronger policyholder experiences and portfolio protection.

Discovery Models are flexible, predictive tools that let carriers design and test custom models for any defined binary outcome  (did vs. did not). They provide a safe, fast way to experiment with predictive solutions across all stages in the lifecycle.

Commercial clients receive annual allocations for experimentation purposes. Prospective clients can also build and validate a Discovery Model in proof-of-value engagements when paired with core Pinpoint solutions like Loss Predictions, Early Cancellation Risk, or Attorney Rep Propensity.