Translate Pinpoint Models to Business Value in Minutes
ROI Calculator
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OnPoint Standalone Applications
This application compares your baseline growth without Pinpoint over the next year (shown in light blue), with your growth if you use Pinpoint risk selection over this same time period and also continue to use your current pricing (shown in light green).
For "Yearly direct loss and adjustment expenses", please enter the total loss dollars and loss adjustment expenses across your book over the past year, pertaining to the specific peril(s) indicated in the "Risk model" field. For "Policies in force", enter the current number. The "Average yearly premium" equals the dollar price for one year of coverage for the average policy.
"Yearly cancellation rate" equals the percentage of your book that you believe will choose to cancel their policies over the next year. "Carrier non-renewal" refers to the maximum percentage of policies that you may decide, directly or indirectly, not to renew over the next year. "New-business rate" is a percentage equal to the number of new policies projected over the next year, divided by the current number of policies in force. The "Net growth rate" equals the new-business rate minus the cancellation and carrier-non-renewal rates.
Legend:
- Client Inputs
- Lift from Pinpoint
- Growth with Pinpoint
- Client Savings
Model Inputs
- Risk model: HOME - Water, HOME - Wind, HOME - Hail
- Yearly direct loss and adjustment expenses
- Policies in force
- Average yearly premium
- Yearly cancellation rate
- Carrier non-renewal rate
- New-business rate
- Net growth rate
- Baseline premiums less risk cost: $0
- Pinpoint premiums less risk cost: $0
Yearly Client Savings
- Year-1 Client Savings: 0 Loss Ratio points, $0
- Year-2 Client Savings: 0 Loss Ratio points, $0
- Year-3 Client Savings: 0 Loss Ratio points, $0
Total Impact after Year 3
0 Loss Ratio points, $0
Decile Data
| Decile | Pinpoint Lift | Pinpoint New Business Distribution | Pinpoint PIF after Year 1 | Pinpoint Risk Cost | Pinpoint Premiums |
|---|---|---|---|---|---|
| 1 | 0.47 | 0 | $0 | $0 | $0 |
| 2 | 0.63 | 0 | $0 | $0 | $0 |
| 3 | 0.60 | 0 | $0 | $0 | $0 |
| 4 | 0.69 | 0 | $0 | $0 | $0 |
| 5 | 0.81 | 0 | $0 | $0 | $0 |
| 6 | 1.04 | 0 | $0 | $0 | $0 |
| 7 | 1.11 | 0 | $0 | $0 | $0 |
| 8 | 1.40 | 0 | $0 | $0 | $0 |
| 9 | 1.58 | 0 | $0 | $0 | $0 |
| 10 | 2.18 | 0 | $0 | $0 | $0 |
| 100% | 0 | 0 | $0 | $0 | $0 |
Net Underwriting Results
Pinpoint Premiums Less New Risk Cost: $0
ASSUMPTIONS
- Cancellations: Spread equally across all deciles
- Non-Renewals: Occur in the highest risk decile with remaining policies in force (starting in decile #10)
- New Business: New policies are spread across Pinpoint growth deciles as shown in the "Pinpoint New Business Distribution" column
Predict Your ROI in 4 Simple Steps
01
Set Your Baseline
Input your insurance book’s current loss ratio and model assumptions to establish a financial baseline for projections with Pinpoint’s tool.
02
Run ROI Prediction
Click “Calculate” to instantly view forecasted loss-ratio improvements and ROI dollars from using Pinpoint’s risk-selection model.
03
Review Impact Results
Examine projected one- and three-year results, along with loss ratio reductions and ROI benefits for informed decision-making.
04
Iterate for Accuracy
Adjust assumptions and rerun calculations to fine-tune ROI forecasts until projections align with your business goals.
Fast-Track Profitable Growth
Data Science That Delivers Business Impact
Pinpoint is an AI company purpose-built for insurers. We combine deep actuarial expertise with modern data science to solve real-world problems across underwriting, marketing, and distribution. Our mission is simple: make insurance more precise and more profitable—one model at a time.