Product Overview

The Inflection™ Insurance Score, built by Verisk® and powered by Equifax® consumer data, is an industry-leading, credit-based scoring solution for personal auto and property insurers.

Credit-based insurance scores provide powerful insights into policyholder risk. When combined with industry-leading experts who understand the pricing, compliance and competitor landscape, Inflection will help insurers refine both underwriting segmentation and marketing campaigns leading to growth and greater profitability.

Key Benefits


Lay a foundation with comprehensive credit data


Gain insights from a powerful trended model


Apply analytics and insurance compliance expertise


Micro-segment risk for more accurate pricing


Refine personal property programs


Combine with ISO® Personal Auto Program 


Innovate with use cases across the policy life cycle, including a focused approach for marketing leads


Integrate with ease into your workflows


Improve competitiveness and avoid adverse selection
Product Sheet

Underwriting with Inflection Insurance Score

The Inflection Insurance Score leverages trended-credit modeling to provide up to 2.8 times the lift between the lowest and highest risk bands in predicting losses over control models that don’t include credit-based attributes.¹

Insurers that employ a superior rank-ordering predictive model start with a balanced framework in which to evaluate consumers. The end result is a dynamic inflection point for risk segmentation that can lead to more accurate underwriting and pricing and significant competitive advantages. 

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Focusing Marketing Lead Generation and Collateral

When it comes to finding and reaching the right consumers in the highly competitive personal auto and property markets, insurers are faced with many challenges including rising marketing costs. Enhancements to prospecting models are needed in order to fuel growth while continuing to manage risk and expense.

With Inflection’s micro-segmentation qualities, insurers are enabled to determine the right criteria to define prospecting target audiences, find attractive potential new applicants, and optimize marketing budgets.

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Get the Best of All Worlds - And Take a Turn for the Better

A strong strategic alliance between Equifax and Verisk means a wealth of skill and expertise from two global industry leaders, all devoted to solving your challenges. Our shared expertise helps you get the most from a credit-based insurance scoring model across the policy life cycle.

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