Lisle, IL, September 8, 2025 — The American Association of Insurance Services (AAIS) and Pinpoint Predictive are excited to announce a strategic partnership designed to give AAIS Members access to Department-of-Insurance-approved rating factors. These next-generation signals improve risk selection, enhance pricing accuracy, and accelerate speed-to-market.

Through AAIS’s proven filing framework and Pinpoint’s carrier-specific predictive signals, Members can quickly and compliantly deploy advanced rating factors that integrate seamlessly into AAIS program rules. Approvals are already in place for Wisconsin, Mississippi, Louisiana, and Illinois, with additional filings underway.

“Pinpoint’s mission has always been to empower insurers with the earliest, most accurate insights into risk—delivered in a way that is responsible, fair, and easy to deploy,” said Scott Ham, Chief Executive Officer of Pinpoint Predictive. “By joining forces with AAIS, we’re making it possible for carriers to integrate these predictive signals directly into existing program frameworks, helping them improve loss ratios and pricing accuracy.”

This collaboration offers AAIS Members a range of advantages, including the ability to strengthen risk selection and pricing precision to stabilize loss ratios, and accelerate speed-to-market through AAIS’s filing infrastructure and standardized program language. Implementation is designed to be straightforward, with minimal effort required through either batch or API integration. The solution is supported by clear governance and transparency, ensuring fairness and protection against proxy discrimination.

“AAIS Members trust us to bring innovative, compliant solutions to market quickly,” said Werner Kruck, President & Chief Executive Officer of AAIS. “Partnering with Pinpoint Predictive allows us to offer advanced, carrier-specific risk factors that enhance underwriting performance while integrating seamlessly into our existing programs. This collaboration reflects our commitment to keeping Members at the forefront of industry innovation.”

To learn more about how the AAIS-Pinpoint Predictive strategic partnership can enhance underwriting and optimize operational performance, contact membership@AAISonline.com.

About Pinpoint Predictive

Pinpoint Predictive helps P&C insurers accelerate profitable growth with AI-driven loss predictions and risk signals delivered through five suites—Marketing, Underwriting, Ratemaking, Claims, and Discovery. Their products plug into existing workflows (API or batch) to prioritize high-value acquisition, sharpen pricing and filed rating, improve bind quality, and triage claims early so costs don’t compound—configured to each carrier’s experience and outcomes. Models move quickly from hypothesis to production, enabling rapid validation and deployment of new signals across the lifecycle; the approach is regulatory-ready and privacy-forward. Recognitions include Insurtech 100, Insurtech Vanguard, AI Breakthrough Awards 2023, Global Tech Awards 2023 (AI category winner), AnalyticsTech, and World Finance Magazine’s Insurance Awards 2023 (Insurtech category winner). Learn more at pinpoint.ai.

About AAIS
Established in 1936, AAIS serves the property and casualty insurance industry as the only national not-for-profit advisory organization governed by its Member insurance carriers. AAIS delivers high-quality advisory solutions, including best-in-class policy forms, rating guidelines, and data management capabilities for commercial lines, inland marine, farm & agriculture, auto, and personal lines insurers. Their consultative and unbiased approach, unrivaled customer service, and innovative technical capabilities underscore a focused commitment to the success of their Members. Together with Member carriers, insurance regulators, Partners, MGAs, and other key stakeholders, the AAIS Community is working to build a more cost-effective and sustainable industry. For more information about joining the AAIS Community, visit AAISonline.com.

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Media Contacts

Pinpoint Predictive
Devyn McNicoll
Head of Actuarial
devyn.mcnicoll@pinpoint.ai

AAIS
Wen Tilghman
Director of Marketing & Communications
went@aaisonline.com

Source: EIN Presswire

The post AAIS and Pinpoint Predictive Launch Strategic Partnership to Deliver Next-Generation, DOI-Approved Rating Factors to P&C Insurers first appeared on AAIS.

How Insurers Can Leverage New, Unconventional Technologies and Insights to Improve Loss Ratio

Ham believes that new behavioral insights offer insurers a critical tool to enhance risk assessment and loss ratios. “Insurers can leverage new and unconventional behavioral insights by performing better, more thorough risk assessment,” he explained. These insights provide an additional layer of understanding that complements traditional factors used in risk evaluation. With the inclusion of behavioral insights, carriers get “a factor that to date they haven’t had access to,” offering a fuller picture of the risk profile. This allows them to make more informed and profitable decisions.

How Carriers Can Integrate Behavioral Intelligence Into Existing Risk Mitigation Strategy

Carriers can integrate behavioral intelligence into their risk mitigation strategies at multiple points in the insurance value chain, according to Ham. By using behavioral insights, they can target individuals whose profiles align with their risk appetite, tailoring risk selection from the outset. “It goes down the insurance value chain, where they can dictate the buying journeys based on these new insights,” Ham explained. Additionally, carriers can use behavioral intelligence to develop renewal strategies, allowing for a more dynamic approach to risk management.

Using Behavioral Insights to Help Carriers Achieve Goals of Equity and Fairness

Behavioral insights can play a pivotal role in helping carriers meet goals of equity and fairness. “By getting that complete picture, we have to recognize the uniqueness of individuals, and behavioral insights are exactly that they’re telling the carrier unique insights about that individual, so they don’t have to bucket them or ban them, ” said Ham. He explained that by understanding individuals on a more personal level, carriers can avoid the unintended exclusion of certain groups, ensuring a more inclusive approach to underwriting and risk management. “It’s not based on banking, so you’re getting insights that are more inclusive of individuals, as opposed to those that may unintentionally exclude some.”

About Pinpoint Predictive, Inc.

Ham described Pinpoint Predictive as “the ultimate risk selection platform.” He elaborated, “Pinpoint Predictive leverages machine learning and these new unconventional behavioral insights to deliver unparalleled precision in underwriting and actuarial decisions. The company’s platform addresses not only profitability for insurers but also improves the overall customer experience and provides agents with better tools to represent carriers effectively. “For me, Pinpoint is that ultimate risk selection platform that allows everybody to win.”

Learn more at pinpoint.ai.

To view the full interview with Scott Ham, click on the video above.

The post Enhancing Risk Mitigation with Behavioral Intelligence first appeared on AAIS.

The Evolving Landscape of Homeowners Insurance

The homeowners insurance market is under intense pressure due to a combination of factors:

• Population Shifts and Real Estate Development: Growing populations and new developments in high-risk regions exacerbate underwriting difficulties.
• Unpredictable Weather: Increased frequency and severity of weather-related events make risk prediction more complex.
• Market Disruptions: Factors like social inflation, macroeconomic pressures, rapid innovation demands, and heightened competition are intensifying the strain on insurers. Litigation management costs surged 19% from 2018 to 2023 for the combined P&C sector, reflecting an approximate $24 billion loss adjustment expense (LAE).

These issues are compounded by a surge in consumer insurance shopping, a rise in higher-risk policies, and an increase in long-time policyholders switching carriers. Insurers are forced to make tough choices, such as raising premiums, exiting markets, or discontinuing certain coverage lines. These pressures are preventing the industry from achieving necessary positive outcomes critical for future profitability.

The Burden on Underwriters

Amid the ongoing market uncertainty, underwriters particularly are facing significant challenges:

• Overwhelming Submission Volume: An influx of submissions strains underwriting resources.
• Inaccurate Risk Prediction: Traditional methods based on demographic data and zip codes are proving to be inadequate, necessitating more precise risk assessment tools.
• Data Quality Issues: Poor-quality or unstructured data and manual processes further complicate risk assessment.

Underwriters are questioning why the process is so burdensome and how it can be alleviated. The crux of the issue is underwriting profitability, crucial for maintaining healthy bottom-line results. Fortunately, there are modern solutions to address these goals.

Modernize Risk Assessments with Behavioral Predictions

Traditional underwriting relies heavily on demographic data and location. Enhanced risk assessment goes beyond traditional methods such as ZIP Codes and credit scores by incorporating individual behavior and decision-making patterns.

Underwriters today can access a wealth of data outside traditional risk variables to deepen the understanding of their policyholder’s risk profile. By utilizing AI-powered behavioral predictions, which incorporate information about consumer activity, interests, buying choices, etc., underwriters can more accurately predict outcomes relevant to insurance underwriting performance.

To remain competitive, insurers must invest in this digital transformation and reduce reliance on complex, manual processes. In fact, a McKinsey analysis found that the most successful carriers are those leveraging the latest technologies to optimize underwriting capabilities. Enhanced approaches for success involve adding:

• Comprehensive Risk Profiles: A detailed view of prospective and existing policyholders to start transforming underwriting workflow.
• AI and Person-Level Insights: Using AI to access powerful person-level insights about customers and their individual risk propensities, which directly impact underwriting profitability.

Leveraging Behavioral Predictions Across the Insurance Value Chain

Using behavioral intelligence represents a transformative shift in insurance underwriting. By incorporating policyholder behaviors into risk evaluation, insurers gain a deeper understanding of risk profiles and individual customer nuances, leading to a more customer-centric approach to coverage. This intelligence offers specific predictions that enhance risk assessment:

• Identifying policyholders with a high propensity to seek an attorney at first notice of loss (FNOL) or a likelihood to litigate.

• Predicting claims frequency and severity for current policyholders and prospective customers.

• Assessing the likelihood of non-payment or early cancellation.
• Determining which prospects are most likely to convert to new customers and predicting their lifetime value.

When insurers identify policyholders with a higher propensity for risk, they can proactively manage these policies more precisely using unique identifiers. Meanwhile, they can handle other policies based on different qualifiers that indicate varying levels of risk. This becomes a game-changer for insurers’ ability to predict and review for underwriting.

Empowering Underwriters

Underwriters are tasked with building profitable books with targeted risk profiles. To be successful, they need to make quick, effective, and accurate assessments of the profitability of each policyholder. However, they are often working with limited or convoluted information and are under considerable time constraints.

Utilizing person-level intelligence in underwriting allows underwriters to focus their craft and expertise on the most complex risks. By integrating person-level intelligence, insurers can:

• Identify High-Risk Insureds Early: Early identification of high-risk individuals allows underwriters to focus on the most complex cases, improving resource allocation.
• Improve Efficiency: With simply using a name and address, significant risk insights can be obtained in seconds.
• Enhance Risk Handling: Focus on complex cases while automating the handling of low-risk applications, improving overall workflow efficiency.
• Provide Personalized Service: Offer coverage tailored to individual risk profiles, moving beyond traditional factors like location and credit scores.

Future-Proofing Insurance Underwriting

For P&C insurers, integrating person-level intelligence into underwriting processes offers a more precise and complete view of the policyholder risk profile. This approach helps insurers better prepare for uncertainty, respond to market volatility, avoid adverse selection, and achieve profitable, sustainable growth. These AI-powered behavioral predictions empower insurers to:

• Predict and Manage Risks More Accurately: Identify high-risk individuals earlier and adjust policies accordingly.
• Enhance Customer Understanding: Gain insights into customer behavior, such as propensity to litigate or likelihood of early cancellation, improving risk management strategies.
• Improve Underwriting Profitability: Achieve more accurate risk assessment and better manage underwriting resources, contributing to healthier bottom-line profitability and sustainable growth.

Using Advanced AI Risk Assessment with Pinpoint Predictive

A more comprehensive and inclusive risk assessment requires a deep understanding of the individual behind the policy, as well as incorporating insights into an insurer’s decision-making processes as part of risk analysis.

Pinpoint Predictive empowers underwriters by enabling them to make smarter, more equitable assessments of risk, accurately identifying high-risk and low-risk individuals. This enhanced accuracy in underwriting workflows helps insurers better serve their customers by identifying and quantifying individual risk earlier and more accurately.

By bridging the gap between the most powerful behavioral predictions made by the world’s leading tech companies and the specialized requirements of the insurance industry, Pinpoint is delivering unmatched risk-selection capabilities at various points along the insurance value chain.

Conclusion

The homeowners insurance sector faces unprecedented challenges. Behavioral intelligence, centered on individuals, represents the next generation of technology, transforming policyholder risk assessments and offering insights into future customer risks. As the industry adapts to these new technologies, the focus will shift toward more informed, efficient, and customer-centric underwriting practices, paving the way for a more resilient and profitable insurance market. Insurers that integrate these advanced risk assessment tools and insights will ultimately be the most successful in enhancing their underwriting processes, addressing the evolving risks associated with new developments and weather events, and ultimately improving financial outcomes.

Improve your Underwriting Outcomes with Pinpoint

With predictions available earlier and more accurately than any other risk solution on the market, Pinpoint is transforming the P&C insurance industry and helping underwriters drive better outcomes with an AI-powered, real-time solution for precise risk selection. For more information about how Pinpoint can help you, visit www.pinpoint.ai or contact info@pinpoint.ai.

The post Addressing Homeowners Underwriting with Behavioral Risk Predictions first appeared on AAIS.

LISLE, IL, July 29, 2024 — The American Association of Insurance Services (AAIS) is excited to welcome Pinpoint Predictive, Inc. to the AAIS Partner Program.

“We are proud to join the AAIS Partner Program and are thrilled to align with such a reputable organization that is providing the value and support it does for the insurance sector,” said Scott Ham, Chief Executive Officer of Pinpoint Predictive. “Working with AAIS to support U.S. insurance carriers offers Pinpoint a great opportunity to further our mission of promoting sustainable, profitable growth and fairness for insurers.”

Pinpoint Predictive’s innovative risk selection platform utilizes deep learning and individual-level behavioral intelligence to provide P&C insurers the ability to augment how they can assess and predict risk. Pinpoint’s predictions help insurers make informed risk decisions, improving loss ratios and accelerating profitability.

“We are excited to welcome Pinpoint Predictive to our AAIS Partner Program, providing our Members the opportunity to leverage their platform to improve loss ratios and accelerate their business,” said Werner Kruck, President and Chief Executive Officer of AAIS. “Pinpoint offers innovative technologies, like individual behavioral predictors and advanced AI, which is becoming crucial now more than ever in this ever-changing insurance marketplace.”

The AAIS Partner Program provides AAIS Members with unique access to quality products and services that help them streamline processes, achieve operational efficiency, and grow their business. To find out how AAIS Partners like Pinpoint Predictive can help create better customer experiences and increase speed to market, please visit AAISonline.com or contact the AAIS Member Engagement Team at membership@aaisonline.com.

About Pinpoint Predictive, Inc.

Pinpoint Predictive provides property & casualty insurers with the earliest and most accurate loss predictions and risk scores to fast-track profitable growth and improve loss ratios. Unlike traditional methods, Pinpoint’s platform leverages deep learning, proprietary behavioral economics data, and trillions of individual behavioral predictors to help insurers identify the risk costs associated with customers and prospects. Pinpoint Predictive has been recognized by several notable organizations including the 2022 Insurtech 100 Award, Insurtech Vanguard, AI Breakthrough Awards 2023, Global Tech Awards 2023 (Category winner for AI), AnalyticsTech and Insurtech, and the Insurance Awards 2023 (Category winner for Insurtech in World Finance Magazine). Find out more at pinpoint.ai.

About AAIS

Established in 1936, AAIS serves the property & casualty insurance industry as the only national not-for-profit advisory organization governed by its Member insurance carriers. AAIS delivers high-quality advisory solutions, including best-in-class policy forms, rating guidelines, and data management capabilities for commercial lines, inland marine, farm & agriculture, auto, and personal lines insurers. Their consultative and unbiased approach, unrivaled customer service, and innovative technical capabilities underscore a focused commitment to the success of their Members. Together with Member carriers, insurance regulators, Partners, MGAs, and other key stakeholders, the AAIS Community is working to build a more cost-effective and sustainable industry. For more information about joining the AAIS Community, visit AAISonline.com.

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Media Contacts

Pinpoint Predictive, Inc.
Shannon Minger
Product Marketing Manager/Media Relations
shannon.minger@pinpoint.ai

AAIS
Wen Tilghman
Director, Marketing & Communications
went@aaisonline.com

Source: Globe Newswire

The post Pinpoint Predictive, Inc. Joins AAIS Partner Program, Empowering AAIS Members with Strategic Risk Selection for Enhanced Profitability first appeared on AAIS.