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Inflection™ Insurance Score

Inflection™ Insurance Score by Verisk®, powered by Equifax®, is a credit-based insurance score that enhances policyholder risk assessment, underwriting segmentation, accurate insurance pricing, and loss prediction — driving competitive advantage through advanced insurance analytics.
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Better Risk Assessment and Accurate Pricing

The Inflection™ Insurance Score, a Verisk product powered by Equifax data, is a credit-based score that helps you improve your risk assessment and underwriting for personal auto and property insurers. Utilizing advanced trended-credit modeling, it accurately predicts potential insurance losses, leading to better pricing, fairer risk segmentation, and increased profitability for you.

 You can use this analytic tool for loss prediction, marketing lead generation, and competitive advantage, enabling your underwriting teams to identify high/low-risk policyholders, refine pricing, and make data-backed decisions.

Improved Loss Prediction
The product significantly enhances the ability to predict future losses.
More Accurate Underwriting and Pricing
Insurers can achieve greater precision in their underwriting and pricing strategies.
Enhanced Marketing Effectiveness
The solution helps insurers optimize their marketing efforts and reach the right consumers.
Increased Competitive Advantage
Insurers can gain a stronger position in the market.
Reduced Acquisition Costs
The solution helps lower the expense of acquiring new policyholders.
Broader Consumer Reach (Reduced Thin Files)
 The solution helps to extend coverage to a wider range of consumers.

Applications of the Inflection Insurance Score

Advanced Loss Prediction: Identifies policyholders likely to incur losses, improving underwriting accuracy and pricing.

Refined Risk Segmentation: Enables micro-segmentation for precise risk assessment, even with limited credit data.

Smarter Marketing Efficiency: Targets low-risk consumers, reducing marketing waste and help boost acquisition ROI.

Use Cases: From Marketing to Renewal

The Personal Lines Insurance industry, specifically Auto and Homeowners insurers, would particularly benefit from the Inflection™ Insurance Score product.

 

Here are the industry-specific use cases:

New Business Underwriting

Insurance companies can create score bands with accompanying rating factors for the Inflection Score to rate a consumer's auto or homeowner policy. This helps align premiums to risk more accurately.

New Business Marketing / Customer Acquisition

Insurers can use Inflection™ scores to segment and target high-value prospects, optimize marketing spend, and reduce risk. Equifax can append scores to prospect lists or extract custom lists based on criteria like location, score range, or auto loan status.

How It Works: Credit-Based Risk Insights for Insurers

The Inflection™ Insurance Score, powered by the strategic alliance between Equifax and Verisk, provides insurers with a robust credit-based insurance scoring solution that enhances underwriting, pricing, and marketing decisions.

Key Features & Benefits:

  • Predictive Power: Delivers up to 2.8x lift in loss prediction compared to models without credit-based attributes.
  • Risk Micro-Segmentation: Helps insurers fine-tune underwriting and define marketing target audiences.
  • Integration Ready: Easily fits into existing workflows and complements ISO® Personal Auto Programs.
  • Versatile Use Cases: Supports new business underwriting, renewals, and marketing initiatives like Inflection Prescreen.
  • Compliance: Modeled using FCRA-regulated data and filed with Departments of Insurance where required.

Discover the Inflection™ Insurance Score

Built by Verisk, this is an industry-leading, credit-based scoring solution for personal auto and property insurers. See up to 2.8 times lift in loss prediction.

Data Foundation
Built by Verisk, this is an industry-leading, credit-based scoring solution for personal auto and property insurers. See up to 2.8 times lift in loss prediction.
Score Generation
Verisk develops and manages the Inflection™ Insurance Score model, generating a 3-digit score (350–950) and up to four reason codes that identify factors most affecting the score.
Application & Segmentation
Insurers use the score to rank consumers by predicted loss likelihood, enabling micro-segmentation for precise risk assessment, accurate pricing, and targeted marketing campaigns.

How to Use in New Business Underwriting

 Insurers can create score bands and accompanying rating factors based on the Inflection score. This allows them to incorporate the Inflection rating factor when rating a consumer's auto policy, helping to align premiums with risk more accurately.

Insurers can Leverage Inflection Prescreen in Two Ways

List: Submit a consumer list to Equifax to have Inflection scores appended, which can then be used for acquisition or cross-sell promotions.
Extract: Provide Equifax with specific criteria, including a desired Inflection score range, to extract a targeted list of prospects. For example, targeting consumers in a specific state with a score above a certain threshold, and further segmenting by indicators like auto loans or home insurance policies.

Predictive Risk Segmentation & Insurance Marketing Insights
 

The Inflection™ Insurance Score empowers you with data-driven insights that transform underwriting, pricing, and marketing strategies. By leveraging trended-credit modeling, dynamic risk segmentation, and micro-segmentation capabilities, you can predict losses more accurately, target high-value prospects, reduce thin files, and help maximize marketing ROI. This results in smarter decision-making, competitive advantages, and more efficient use of resources across the insurance life cycle.

Stronger Loss Prevention

The Inflection™ Insurance Score leverages advanced trended-credit modeling to deliver up to 2.8x greater lift between the lowest and highest risk bands in predicting losses — outperforming control models that lack credit-based attributes for superior underwriting accuracy.

Smarter Risk Segmentation

Inflection™ Insurance Score creates a dynamic inflection point for risk segmentation, enabling more accurate underwriting, pricing, and targeted marketing. Insurers gain a competitive advantage by focusing acquisition on consumers with the ideal balance of risk and opportunity.

Optimized Marketing Precision 

With Inflection’s micro-segmentation capabilities, insurers can define precise prospecting criteria, identify high-value applicants, and maximize marketing ROI. It also reduces thin files and minimizes policies rated without credit data, ensuring fairer, data-driven assessments.

Frequently Asked Questions

Developed jointly by Verisk and Equifax, the Inflection™ Score combines Verisk’s deep insurance analytics and actuarial expertise with Equifax’s rich credit data to deliver powerful predictive insight. Built from millions of auto policy records and refined to identify the credit characteristics that add the most rating lift, the Inflection model enables insurers to achieve greater pricing accuracy and compete more effectively in today’s dynamic market.

The Inflection Score produced a performance separation of nearly 3 to 1 in pure premium relativity (above all other rating elements) across 26 score bands, including no-hits and no-scores. The performance curve is smooth, making it suitable for more granular rating factor assignment plans. Insurance leaders should note that while competitors may advertise similar top-to-bottom separation, they may use a different metric or one that represents lift above a less accurate or less comprehensive underlying rate structure.
 

 Credit-based insurance scores such as Inflection are a recognized source of insight into policyholder risk in use for over 25 years and by more than 90 percent of insurers according to the National Association of Insurance Commissioners. They summarize an individual’s credit characteristics as they relate to observed insurance losses.

Inflection is a trended-credit predictive analytics model designed by two global leaders in data and analytics: Equifax and Verisk. This solution, designed to rank-order insurance risk based on the latest trends in an individual’s credit history, includes the ability to span economic cycles and adapt to today’s more digital consumers.

Individuals who are responsible for their credit generally tend to be responsible in other aspects of their lives, including driving vehicles safely and taking care of their homes. This is represented in lower loss costs for claims on average.

Related Resources

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