# AI-Powered Precision Pricing for Insurance Set accurate, compliant, and competitive rates with advanced predictive analytics. ## Overview Pinpoint’s AI-driven ratemaking solutions help carriers align rates with true risk, improve profitability, and adapt quickly to market changes. From strict regulatory environments to flexible surplus lines, our models deliver contextual insights that transform IRPM selection and rate setting—supporting strategies that are both compliant and business-ready. ## Transform Pricing Strategy with Predictive Precision Integrating predictive analytics into the ratemaking process allows carriers to align rates with true risk, improve profitability, and respond faster to market changes, all without sacrificing regulatory compliance. - Filed Rating - Non-admitted Pricing - Commercial IRPM Selection ## State-Approved Compliant Pricing Our Filed Rating solution helps carriers align rates with risk using state-approved predictive models as supplementary rating variables. Designed specifically for admitted products, these models support filed rate optimization, regulatory alignment, and insurance filing compliance. By integrating predictive analytics into your pricing workflow, carriers can improve rate adequacy, streamline filing processes, and maintain competitive positioning while adhering to state requirements. - Optimize rates with data-driven precision for filed products - Enhance filing efficiency and reduce back-and-forth with regulators - Ensure competitive positioning without compromising compliance ## Optimize Surplus Lines with Precision and Flexibility Our Non-Admitted Pricing solution helps carriers balance profitability with marketplace competitiveness using flexible modeling approaches tailored to unique risk characteristics. By integrating predictive insights into pricing workflows, carriers can respond dynamically to changing market conditions, refine surplus lines pricing strategies, and maintain competitive positioning without compromising financial performance. - Optimize surplus lines pricing with data-driven precision - Adapt pricing strategies to market shifts - Enhance competitive positioning across specialty and non-admitted lines ## Smarter IRPM for Commercial Lines Pinpoint’s Commercial IRPM Selection solution uses predictive models to optimize Individual Risk Premium Modification (IRPM) selection for commercial lines. Leveraging IRPM modeling software and commercial risk rating analytics, allows carriers to align risk to rate more accurately, improving pricing precision and profitability. - Optimize rating plan selection with predictive insights - Improve commercial pricing accuracy and risk alignment - Support a data-driven profitability strategy ### Key Ratemaking Benefits ### Precision Pricing Align rates with true risk using predictive analytics. ### Profitability & Competitiveness Balance margin protection with market responsiveness. ### Compliance Ready Maintain regulatory alignment while streamlining filings. ## Predictive Power at Work ### Auto Case Study: Loss Cost Model to Optimize Marketing Spend Pinpoint helped reduce Loss Ratio by 4 points on personal auto Client: National Auto Carrier Line of Business: Auto Insurance Number of Policies: 714,577 Average Premium: $2,495 ### Auto Case Study: Claims Severity Predictions Pinpoint helped reduce Loss Ratio by 3 points with Claims Severity Predictions Client: National Auto Carrier Line of Business: Auto Insurance Number of Policies: 714,577 Average Premium: $2,495 ### Auto Case Study: Litigation Risk Scores Pinpoint Helped Identify an Additional 6% of Claimants Likely to Seek Attorney Representation Client: National Auto Insurance Insurer Line of Business: Auto Insurance Model Trained: 130,000 Claimants ### Home Case Study: Claims Frequency Prediction to Optimize Growth Pinpoint helped reduce Loss Ratio by 3 points to optimize profitable growth Client: National Home Insurance Carrier Line of Business: Home Insurance Number of Policies: ~300,000 Average Individual Premium: $2,900 ### Home Case Study: Loss Cost Prediction to Reduce Non-Weather Water Losses Pinpoint helped reduce Loss Ratio by 4 points during pre-application Client: National Home Insurance Carrier Line of Business: Home Insurance Number of Policies: ~150,000 Average Individual Premium: $1,291 ### Auto Case Study: Loss Cost Prediction to Optimize Growth Pinpoint helped reduce Loss Ratio by 4.6 points by focusing on Individual Drivers Client: National Auto Carrier Line of Business: Auto Insurance Number of Policies: 80,000 Average Premium: $1,500 ### Home Case Study: Claims Frequency Predictions for Book Acquisition Pinpoint helped reduce Loss Ratio by 7 points by focusing on Book Acquisition Strategy Client: National Home Insurance Carrier Line of Business: Home Insurance Number of Policies: 200,000 Average Premium: $2,813 ## Frequently Asked Questions #### How does Pinpoint improve the ratemaking process for insurers? Pinpoint’s predictive ratemaking solutions use advanced AI models to align rates with true risk, optimize pricing strategies, and ensure regulatory compliance. This helps carriers improve profitability, maintain rate adequacy, and adapt quickly to market changes. #### Are Pinpoint’s solutions compliant with state regulations? Yes. Our Filed Rating solution is built for admitted markets and integrates predictive models that are state-approved as supplementary rating variables. #### What flexibility do carriers have for surplus and non-admitted lines? Our Non-Admitted Pricing solution gives carriers flexibility to adapt pricing strategies dynamically to market shifts. #### What are the key benefits carriers can expect from AI-powered ratemaking? Using Pinpoint for ratemaking delivers accurate, risk-aligned rates across filed programs, enables flexible surplus-lines pricing within clear guardrails, and scales consistent, data-driven IRPM for commercial accounts—strengthening profitability and competitive positioning. ## 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.