Product

Insight Score™ for Insurance

We combine proven credit scoring with powerful alternative data—covering 222M+ consumers—to help insurers expand their customer base, quote more accurately, and reduce portfolio risk for profitable growth.
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A Broader View of Risk. A Better Way to Grow.

Insurers work hard to gain the best insights into potential customers. Insight Score for Insurance helps you expand your competitive edge with a next-generation predictive tool. By combining the proven power of credit scoring with unique alternative data—such as payment history from telecommunications, utilities, and pay TV—Insight Score for Insurance delivers deeper, more relevant consumer insights. 

With coverage of more than 222 million consumers, including millions with little or no traditional credit history, Insight Score for Insurance empowers you to quote more prospects, price more accurately, and improve portfolio profitability.

Grow your Customer Base
Quote and underwrite millions of consumers with little or no credit history.
Improve Pricing Accuracy
Use FCRA-governed alternative data to more precisely segment and rate policies.
Reduce Portfolio Risk
Lift predictive accuracy with validation studies showing a 1.30 loss ratio lift across deciles.
Enhance Customer Retention
Reward more low-risk customers with competitive premiums and discounts.
Expand Market Reach
Leverage unique alternative data reported by 160+ service providers across telco, pay TV, and utilities.
Trust a Proven Partner
Rely on Equifax—delivering insurance risk scores for more than 20 years.
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Covers 222M+ consumers, including 38M with no traditional credit file.

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Data sourced from 160+ service providers (telco, pay TV, utilities).

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Highly predictive model validated to deliver 1.30 loss ratio lift.

Insurance Use Cases: Expanding Market Reach and Reducing Risk with Alternative Data

From auto and homeowners insurance to Insurtech underwriting, Insight Score for Insurance enables carriers to expand market access, quote more customers, segment risk more accurately, and deliver fairer pricing that supports profitable growth.

Auto Insurance – Expand Your Market

Quote and underwrite more customers, including those without traditional credit histories.

Homeowners Insurance – Price with Precision

Reduce loss ratios and improve profitability with better segmentation.

How It Works: Alternative Data + Credit for Better Risk Scoring

Insight Score for Insurance combines traditional credit data with alternative payment insights—telecom, utilities, and pay TV—to deliver a predictive insurance risk score that helps carriers quote more policies, improve pricing accuracy, and reduce portfolio risk.
Data Integration
Blends traditional credit data with alternative payment data from utilities, telecom, and pay TV.
Predictive Modeling
Generates a score that provides a more complete picture of insurance risk across consumer segments.
Actionable Insights
Helps insurers expand quoting, refine pricing, and reward low-risk customers to improve growth and profitability.

A Broader View. A Better Outcome.

With our solution, insurers gain predictive power that goes beyond traditional credit—helping you reduce risk, grow profitably, and deliver fairer pricing to more consumers.

Frequently Asked Questions

A predictive scoring tool that combines traditional credit data with alternative payment insights to help insurers assess risk more accurately.

Account payment data from telecommunications, utilities, and pay TV providers.

It helps grow your business by quoting more customers, improving pricing accuracy, and reducing portfolio risk.

Yes. A key benefit is its ability to assess millions of “credit invisible” consumers.

It allows more customers to access fairer, competitive insurance premiums.

Related Resources

Product Sheet

Next-Gen Insurance Data

Grow your customer base by reaching consumers with little or no traditional credit history using alternative and traditional data to help you more accurately price policies and boost profitability.
Grow Your Business

Product Sheet
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Product Sheet
Insight Score for Insurance
Product Sheet
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Insurance Solutions

Make smarter decisions across the policy lifecycle. Our data and analytics solutions help you offer competitive quotes, manage risk, and improve the customer experience.

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