Individualized Intelligence prior to Eligibility and Renewal Decisions

Distribution Applications
and Marketing Channels

Pinpoint Risk Selection Scores

Carrier Models

Pinpoint provides strong ROI-positive results

Some recent client results

Improves loss ratios and pure premiums

+75% Home fire/H2O frequency

+25-50% Auto loss ratio

+19-30% Auto pure premium

700% WC loss ratio lift

Predict future fraud before claims

+23% SIU-referral at PoQ

21x ventile lift at PoQ (home)

14x decile lift (WC)

+30-40% lift in Home & Auto mid-term cancellation models

Instant pre-decisions on a range of outcomes

70x ventile lift on wood-burner ownership at PoQ



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


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


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.


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 AI models human individuality – the traits that are the underlying drivers 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 human individuality into predictive models, and to reveal which interpretable traits are driving business-critical risk and engagement behaviors.

Information about Privacy

Pinpoint safeguards the privacy of our clients and their customers:

  • Our patent-pending modeling method generates individual-level psychometric models with complete user pseudonymization.
  • Client PII is deleted within 45 days of onboarding.
  • Pinpoint is fully CCPA compliant, and privacy-safe by design.


  • We monitor privacy and insurance regulations on an ongoing basis to ensure continued compliance and security.
  • We do not scrape customer data.
  • Our systems are continuously monitored by Vanta for SOC2 Type II compliance.