Better leads.
Faster conversions.
Lower spend.
The promise of Pinpoint Predictive’s insurance marketing analytics – powered by your data.
Overview
Our actuary-built, research-backed models help carriers turn first-party data into a centralized insight engine for lead profitability analytics, lead conversion prediction, and direct mail response rates. With Pinpoint, you can predict profitable leads, filter out high-churn prospects, and optimize marketing channels where they’ll make the biggest impact.
Maximize Lead Quality For
Higher Conversion Rates
Discover how to automate better lead quality and higher conversion rates with our smart, compliant, custom models.
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Predict Loss Potential Before You Quote
Pinpoint’s Lead Profitability model combines advanced lead profitability analytics with a lead quality scoring tool to give carriers clear visibility into profit before quoting. Support your underwriting objectives with smarter lead gen filtering and lead list filtering.
- Improve quote efficiency by deprioritizing low-value or high-churn leads
- Boost marketing ROI without increasing acquisition costs
- Integrates seamlessly with existing quoting or lead management workflows
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Focus on Leads Likely to Convert
Pinpoint’s Conversion Likelihood model uses advanced lead conversion prediction and sales conversion analytics to help your teams identify high-value prospects. Built as a binary classifier, it delivers precise prospect conversion scoring so marketing and sales can prioritize outreach on leads most likely to convert from quote to bind.
- Improve acquisition rates without increasing marketing spend
- Reduce acquisition friction and lower CAC by focusing on high-likelihood leads
- Streamline sales and marketing workflows by minimizing redundant tasks
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Target the Right People, Cut Campaign Waste
Boost direct mail response rates and trim wasted spend with Pinpoint’s Mail Response Likelihood model. Using historical first-party data, this mail campaign targeting model scores contacts based on their likelihood to engage with physical mailers. The result: smarter targeting, leaner budgets, and higher ROI.
- Increase engagement by focusing on individuals most likely to respond
- Predict mail response with precision; no broad A/B testing required
- Allocate budget more effectively for maximum campaign impact
Key Marketing Benefits
Higher Marketing ROI
Spend less, earn more from every campaign.
Smarter Targeting & Prioritization
Reach the right leads at the right time.
Workflow Efficiency
Save time and reduce acquisition friction.
Case Studies
Predictive Power at Work
Auto Case Study: Loss Cost Model to Optimize Marketing Spend
Pinpoint helped reduce Loss Ratio by 4 points on personal auto Client: National Auto Carrier Line of Business: Auto Insurance Number of Policies: 714,577 Average Premium: $2,495 Use Case Focus: Customer Acquisition Challenges for Auto Insurers: The combined ratio for personal auto has worsened from 92.5% in 2020 (the best result in 25 years) to [...]
Auto Case Study: Claims Severity Predictions
Pinpoint helped reduce Loss Ratio by 3 points with Claims Severity Predictions Client: National Auto Carrier Line of Business: Auto Insurance Number of Policies: 714,577 Average Premium: $2,495 Challenge for Auto Insurer: A national auto insurance carrier looked to augment their modeling and solve the problem of balancing business against increasing claim payouts, increasing costs [...]
Auto Case Study: Litigation Risk Scores
Pinpoint Helped Identify an Additional 6% of Claimants Likely to Seek Attorney Representation Client: National Auto Insurance Insurer Line of Business: Auto Insurance Model Trained: 130,000 Claimants Use Case Focus: Claims and Litigation A national insurance carrier partnered with Pinpoint to receive Risk Scores identifying the likelihood of Third-party Claimants to seek Attorney Representation. With [...]
Home Case Study: Claims Frequency Prediction to Optimize Growth
Pinpoint helped reduce Loss Ratio by 3 points to optimize profitable growth Client: National Home Insurance Carrier Line of Business: Home Insurance Number of Policies: ~300,000 Average Individual Premium: $2,900 A national home insurance carrier partnered with Pinpoint to receive Loss Predictions at the top of the funnel (before the customer journey begins). Their current [...]
Home Case Study: Loss Cost Prediction to Reduce Non-Weather Water Losses
Pinpoint helped reduce Loss Ratio by 4 points during pre-application Client: National Home Insurance Carrier Line of Business: Home Insurance Number of Policies: ~150,000 Average Individual Premium: $1,291 A national home insurance carrier partnered with Pinpoint to receive Loss Cost Predictions at the top of the funnel (before the customer journey begins). Their current models [...]
Auto Case Study: Loss Cost Prediction to Optimize Growth
Pinpoint helped reduce Loss Ratio by 4.6 points by focusing on Individual Drivers Client: National Auto Carrier Line of Business: Auto Insurance Number of Policies: 80,000 Average Premium: $1,500 Challenges for Auto Insurer: A national auto insurer partnered with Pinpoint on generating Loss Cost predictions to better understand the profitability on individual drivers and identify [...]
Home Case Study: Claims Frequency Predictions for Book Acquisition
Pinpoint helped reduce Loss Ratio by 7 points by focusing on Book Acquisition Strategy Client: National Home Insurance Carrier Line of Business: Home Insurance Number of Policies: 200,000 Average Premium: $2,813 Use Case Focus: Book Roll A national home insurance carrier used Pinpoint's platform to generate Loss Predictions. Their existing models were only available after the [...]
Frequently Asked Questions
What types of problems does Pinpoint help insurance carriers solve?
How quickly can Pinpoint’s solutions be deployed?
Do I need large amounts of historical data to get started?
How does Pinpoint improve marketing ROI?
What types of marketing analytics models are available in the Pinpoint product suite?
From Our Partners
Michael Lorion
CEO
“Pinpoint’s explainable visualizations reveal what drives human behavior, and also the interesting reasons why conventional data have missed the signal on this important issue. We see this as an important step forward in predicting behavior and ultimately reducing frictional costs and premiums.”
Vern Kirchhoff
SVP of Data Analytics
“Pinpoint’s automated platform unlocked 7 points of Loss Ratio improvement for our homeowners book for a 1-year implementation and, over the longer term, a larger bottom-line benefit as more of the book takes on the selected risk contours. The new signal we validated represents one of the largest boosts in predictive performance I’ve seen in the industry in 30 years.”
Michael Pauletti
Senior VP & Chief Pricing and Actuarial Officer
“Pinpoint’s deep-learning platform allowed us to predict non-cat homeowners’ 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.”
Analytics Team
“Pinpoint has provided game-changing new data to drive markedly improved loss ratios through better risk selection and claims handling.”
Rick Carter
Vice President, Analytics
“Above and beyond our latest pricing models, Pinpoint’s scores show material predictive lift for personal auto pure premiums. These are impressive results relative to other emerging vendor data offerings.”
Chad Combs
VP of Personal Lines, Underwriting
“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.”
Chris Strohl
Vice President, Underwriting
“We’re excited to partner with Pinpoint as we look at the opportunity to get deeper insights into our customers and understand risks based on individual behaviors. Pinpoint’s deep learning capabilities are a game changer for us to better serve our customers and agents.”
Alice Robinson
Chief Actuary
“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.”
Greg Godshall
President and CEO
“Pinpoint’s actuarial loss predictions will enable us to orchestrate the best experiences for agents and our customers, reducing friction and creating the ability to micro-segment leads like never before”
Fast-Track
Profitable Growth
Data Science That Delivers Business Impact
Pinpoint is an AI company purpose-built for insurers. We combine deep actuarial expertise with modern data science to solve real-world problems across underwriting, marketing, and distribution. Our mission is simple: make insurance more precise and more profitable—one model at a time.