Pinpoint.ai: Revolutionizing Risk Selection in Insurance with Explainable AI

Pinpoint.ai is a cutting-edge risk selection platform developed by Pinpoint Predictive Inc., designed specifically for property and casualty (P&C) insurers in the homeowners and auto insurance sectors. Leveraging deep learning and trillions of behavioral predictors drawn from over 250 million U.S. adults, it delivers the earliest and most accurate risk assessments—before underwriting, policy renewal, or customer acquisition—by analyzing individual behavioral propensities beyond traditional metrics like credit scores, zip codes, or demographics. The platform enhances decision-making with transparent, explainable visualizations backed by peer-reviewed research from Stanford, Wharton, and Columbia, enabling micro-segmentation of leads and uncovering hidden risks such as litigation likelihood, premium leakage, and non-pay cancellations. With proven results including 3–10 point loss ratio improvements and multi-million dollar savings reported by clients, Pinpoint.ai empowers insurers to increase profitability, reduce frictional costs, and make fairer, more compliant decisions. It is SOC 2 Type II certified, compliant with CCPA, and audited annually for bias and ethical AI use by Luminos Law and BNH, ensuring robust data security and regulatory alignment.

Key Features:

• Loss Predictions: Forecast claims frequency, severity, and loss cost pre-onboarding and pre-renewal.
• Risk Scores: Assess likelihood of litigation, SIU referral, non-pay cancellation, and premium leakage.
• Behavioral Predictors: Utilizes proprietary behavioral economics and footprint data for deeper insights.
• Micro-Segmentation of Leads: Enables precise targeting and risk classification at the individual level.
• Explainable AI Visualizations: Clear, research-backed insights into the factors driving human behavior and risk.
• Custom Model Building: Tailored risk models using advanced deep learning techniques.
• ROI Calculator: Quantifies financial impact with projections for loss ratio reduction and returns over 1–3 years.
• Early Risk Assessment: Delivers predictive intelligence at the top of the funnel for faster, smarter decisions.
• Regulatory Compliance: Adheres to CCPA, SOC 2 Type II standards, and anti-discrimination laws.
• Data Privacy Protection: Uses pseudonymization, compartmentalization, and access restrictions with encrypted data storage.
• Seamless Integration: Deployable in minutes across underwriting, marketing, agency performance, retention, and comparative raters workflows.
• Proof of Value (POV) Engagement: A fast, collaborative process with technical, business, and actuarial leads to demonstrate impact.

Pricing: Pinpoint.ai operates on a freemium model with a free Discovery Call available for new carriers and a paid engagement for full deployment, enabling potential clients to experience value before committing to a subscription.

Conclusion: Pinpoint.ai stands at the forefront of ethical, data-driven insurance innovation, offering insurers unprecedented accuracy and transparency in risk selection—transforming how they underwrite, retain, and optimize their portfolios with confidence and compliance.