Integrating Human Behavior into Insurance


with AI-Powered Psychometrics

Real-time data enrichment is a competitive
asset for Insurers

Without data on the insured’s personality, however, 20-50% of predictive efficiencies are left on the table.

Pinpoint’s personality-focused data enrichment provides new predictive power to carriers and MGAs, leveraging the latest in behavioral science and artificial intelligence, all in a privacy-safe fashion. Factoring individuality into predictions can save hundreds of millions of dollars.

Boost savings and profitability with

AI-Powered

Pinpoint’s neural networks analyze thousands of new data points per person to predict how behavioral propensities impact risk and engagement.

Our Thinkalike® Engine leverages our proprietary personality data to model each person in high dimensionality – the first true “Segment of One.”

Psychometric

Pinpoint leverages psychometrics, the mathematical science of individual psychological differences, to enhance predictive accuracy.

Our core approach has been validated by peer-reviewed research from Stanford, Wharton, and Columbia business schools.

Data Enrichment

Pinpoint’s scores provide significant new signals on individuals’ propensity to bind, cancel, file a non-cat claim, commit fraud, and more. Achieve operational impact through data enrichment alone, or together with ML-powered modeling.

Receive predictive scores for 260 million US adults in real time.

Material predictive lift

Significantly increased precision

“Rapid time-to-value”

Pinpoint's unique technology gives you a powerful edge

Psychometric AI has begun to revolutionize some of the world’s most competitive predictive analytics. Leverage our OnPoint platform to better quantify risks and persuade people to take positive actions.

Accuracy

Pinpoint’s Thinkalike® scores can boost a wide range of behavioral predictive models by an incremental 20-50% across deciles. Why? Because our scores leverage high-dimensional psychological signals, informed by thousands of new data points per person.

Backtesting

After enrichment, easily back-test performance gains before commercial activation, to show the actual impact of the model. If desired, Pinpoint can also onboard existing predictive features to generate ML-powered behavioral models and lift analyses for you.

Explainability

Our Explainable AI reveals not only the probability of future behaviors, but also the underlying reasons why a given individual is more or less likely to take an action or incur a risk.

Complementarity

Receive Thinkalike® scores for up to 90% of your book, enabling you to boost the predictive power of your existing models — and scale them up for records with thin or no data.

Individual-level modeling

Unlike other data used to predict human behavior, Pinpoint’s neural networks model human individuality – the psychological traits that are the underlying driver of why each person has different perceptions and behaviors. Our engine quantifies each individual’s psychological traits on continuous scales. This process occurs in an entirely data-driven way, without assumptions. Pinpoint models each person in dozens of dimensions; a given individual is like a combination lock with many dials – totally unique. The end result is the first true Segment of One, for each of our 260 million person-based IDs. Pinpoint allows you to integrate this human individuality into predictive models, via interpretable traits, revealing what factors are driving business-critical risk and engagement behaviors.

Information about Privacy

Pinpoint provides the industry’s first privacy-safe psychometrics for our partners and their users:

  • Our patent-pending data architecture is the only technology that can generate individual-level psychometric models of digital populations with user pseudonymization.
  • Our psychometric models are linked only to pseudonymous user IDs; psychometric data are not linked to actual, personally identifiable real names.

 

    • Client PII is quarantined and deleted after each engagement. Only the client can link enrichment scores back to identifiable customer records.
    • Pinpoint is fully GDPR and CCPA compliant, and privacy-safe by design.
    • We monitor privacy regulations on an ongoing basis to ensure continued compliance and security.