Faster Underwriting
More Consistent Decisions
Pinpoint helps you evaluate risk instantly, so your team can make better decisions faster without sacrificing accuracy.
Overview
Pinpoint helps carriers underwrite faster without trading off accuracy. Our actuary-built models deliver real-time risk signals at every stage — from eligibility through pricing — and plug directly into existing underwriting workflows. Most models deploy in under a week.
Make Faster, More
Consistent Underwriting
Decisions
Evaluate every application in real time, so your team can reduce manual work and focus on the cases that need attention.
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Know Which Risks Meet Your Guidelines
How It Works
When an application comes in, Pinpoint evaluates it using your historical underwriting and loss data. It identifies whether the risk aligns with your guidelines and flags anything that needs closer review.
What You Get
- A clear signal on whether a risk meets your criteria
- Early visibility into higher-risk applications
- Fewer manual reviews for straightforward cases
How It Fits Into Your Workflow
Pinpoint adds a simple signal directly into your underwriting process, so your team can make faster decisions without changing how they work
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Focus quotes on the right business
How It Works
Pinpoint evaluates incoming submissions to determine which ones are worth quoting. It helps filter out low-value or misaligned risks before they go through rating.
What You Get
- Lower acquisition costs from unqualified submissions
How It Fits Into Your Workflow
Pinpoint sits before or alongside your rating process, helping your team decide what to quote without adding extra steps.
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Route applications to the right path
How It Works
Pinpoint analyzes each application in real time and determines the best path forward — whether it should move straight through, be reviewed, or require additional scrutiny.
What You Get
- Faster processing for low-risk applications
- Clear routing for more complex submissions
- Reduced bottlenecks in underwriting workflows
How It Fits Into Your Workflow
Pinpoint automatically directs applications based on risk, helping your team move faster without redesigning your process.
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Match payment plans to risk
How It Works
Pinpoint evaluates policyholder risk and likelihood of non-payment using historical behavior and loss data. It helps determine which payment structures are the best fit for each customer.
What You Get
- Better alignment between payment plans and risk
- Reduced non-pay cancellations
- More flexibility for low-risk policyholders
How It Fits Into Your Workflow
Pinpoint provides a clear signal alongside policy decisions, helping your team choose the right payment structure without adding complexity.
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Focus inspections where they matter most
How It Works
Pinpoint ranks policies based on expected risk and the likelihood that an inspection will uncover issues. This helps you decide which properties to inspect and which to skip.
What You Get
- Smarter allocation of inspection resources
- Fewer unnecessary inspections on low-risk policies
- Better visibility into higher-risk exposures
How It Fits Into Your Workflow
Pinpoint integrates into your inspection process, helping your team prioritize without changing how inspections are scheduled.
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Know which customers are at risk of leaving
How It Works
Pinpoint analyzes policyholder behavior and historical renewal patterns to identify customers who are likely to churn before renewal.
What You Get
- Early visibility into at-risk policies
- Better targeting for retention efforts
- Stronger protection of in-force premium
How It Fits Into Your Workflow
Pinpoint surfaces renewal risk alongside your existing systems, so your team can take action earlier without changing their process.
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Predict and prevent early cancellations
How It Works
Pinpoint identifies policies that are likely to cancel early based on payment behavior, risk profile, and historical patterns.
What You Get
- Early warning on potential cancellations
- Better targeting for intervention strategies
- Reduced short-term churn
How It Fits Into Your Workflow
Pinpoint flags at-risk policies directly in your workflow, so your team can step in before cancellations happen.
-
Uncover risks that are easy to miss
How It Works
Pinpoint analyzes property and policy characteristics to surface hidden or overlooked risk factors that may impact underwriting decisions.
What You Get
- Better visibility into high-impact risk drivers
- Fewer surprises after binding
- More informed underwriting decisions
How It Fits Into Your Workflow
Pinpoint adds deeper risk insights to each policy, helping your team evaluate exposure without extra research.
-
Make better portfolio-level decisions
How It Works
Pinpoint analyzes your book of business to identify high-performing segments, underperforming areas, and opportunities for optimization.
What You Get
- Clear visibility into portfolio performance
- Identification of top and bottom segments
- Better support for book roll and review strategies
How It Fits Into Your Workflow
Pinpoint provides insights at the portfolio level, helping your team make strategic decisions without additional analysis work.
Know Which Risks Meet Your Guidelines
How It Works
When an application comes in, Pinpoint evaluates it using your historical underwriting and loss data. It identifies whether the risk aligns with your guidelines and flags anything that needs closer review.
What You Get
- A clear signal on whether a risk meets your criteria
- Early visibility into higher-risk applications
- Fewer manual reviews for straightforward cases
How It Fits Into Your Workflow
Pinpoint adds a simple signal directly into your underwriting process, so your team can make faster decisions without changing how they work
Focus quotes on the right business
How It Works
Pinpoint evaluates incoming submissions to determine which ones are worth quoting. It helps filter out low-value or misaligned risks before they go through rating.
What You Get
- Lower acquisition costs from unqualified submissions
How It Fits Into Your Workflow
Pinpoint sits before or alongside your rating process, helping your team decide what to quote without adding extra steps.
Route applications to the right path
How It Works
Pinpoint analyzes each application in real time and determines the best path forward — whether it should move straight through, be reviewed, or require additional scrutiny.
What You Get
- Faster processing for low-risk applications
- Clear routing for more complex submissions
- Reduced bottlenecks in underwriting workflows
How It Fits Into Your Workflow
Pinpoint automatically directs applications based on risk, helping your team move faster without redesigning your process.
Match payment plans to risk
How It Works
Pinpoint evaluates policyholder risk and likelihood of non-payment using historical behavior and loss data. It helps determine which payment structures are the best fit for each customer.
What You Get
- Better alignment between payment plans and risk
- Reduced non-pay cancellations
- More flexibility for low-risk policyholders
How It Fits Into Your Workflow
Pinpoint provides a clear signal alongside policy decisions, helping your team choose the right payment structure without adding complexity.
Focus inspections where they matter most
How It Works
Pinpoint ranks policies based on expected risk and the likelihood that an inspection will uncover issues. This helps you decide which properties to inspect and which to skip.
What You Get
- Smarter allocation of inspection resources
- Fewer unnecessary inspections on low-risk policies
- Better visibility into higher-risk exposures
How It Fits Into Your Workflow
Pinpoint integrates into your inspection process, helping your team prioritize without changing how inspections are scheduled.
Know which customers are at risk of leaving
How It Works
Pinpoint analyzes policyholder behavior and historical renewal patterns to identify customers who are likely to churn before renewal.
What You Get
- Early visibility into at-risk policies
- Better targeting for retention efforts
- Stronger protection of in-force premium
How It Fits Into Your Workflow
Pinpoint surfaces renewal risk alongside your existing systems, so your team can take action earlier without changing their process.
Predict and prevent early cancellations
How It Works
Pinpoint identifies policies that are likely to cancel early based on payment behavior, risk profile, and historical patterns.
What You Get
- Early warning on potential cancellations
- Better targeting for intervention strategies
- Reduced short-term churn
How It Fits Into Your Workflow
Pinpoint flags at-risk policies directly in your workflow, so your team can step in before cancellations happen.
Uncover risks that are easy to miss
How It Works
Pinpoint analyzes property and policy characteristics to surface hidden or overlooked risk factors that may impact underwriting decisions.
What You Get
- Better visibility into high-impact risk drivers
- Fewer surprises after binding
- More informed underwriting decisions
How It Fits Into Your Workflow
Pinpoint adds deeper risk insights to each policy, helping your team evaluate exposure without extra research.
Make better portfolio-level decisions
How It Works
Pinpoint analyzes your book of business to identify high-performing segments, underperforming areas, and opportunities for optimization.
What You Get
- Clear visibility into portfolio performance
- Identification of top and bottom segments
- Better support for book roll and review strategies
How It Fits Into Your Workflow
Pinpoint provides insights at the portfolio level, helping your team make strategic decisions without additional analysis work.
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.
Key Underwriting Benefits
Faster Decisions
Accelerate underwriting with automated, real-time insights.
Precision Accuracy
Actuarial expertise + AI for consistent, risk-aligned results.
Intelligent Resource Use
Cut waste, optimize effort, and boost underwriting ROI.
Have a question these models don't answer?
Pinpoint builds custom models for any two-outcome event, validated within 24 hours before anything goes live.
Case Studies
Results at Bind
Personal auto · 714,577 policies
Redirecting acquisition spend with pre-quote Loss Predictions
Personal auto · 714,577 policies
Severity predictions applied across a 715k-policy book
Personal auto · 130,000 claimants
Attorney representation flagged at first notice of loss
Homeowners · ~300,000 policies
Frequency predictions at the top of the funnel
Homeowners · ~150,000 policies
Non-weather water risk priced before the application
Personal auto · 80,000 policies
Holding loss ratio while the book contracted 7%
Homeowners · 200,000 policies
Book roll reshaped by pre-bind Loss Predictions
Frequently Asked
Questions About Underwriting
What types of problems does Pinpoint help insurance carriers solve?
How quickly can Pinpoint’s solutions be deployed?
Do carriers need historical data to use Pinpoint’s models?
What parts of the underwriting process can be optimized?
How do Pinpoint’s solutions integrate with existing workflows?
Fast-Track
Profitable Growth
Data Science That Delivers Business Impact
Purpose-built AI for insurers, uniting actuarial expertise and data science to drive smarter, fairer, and more profitable decisions.