Credit-Based Insurance Score


A trended-credit predictive analytics model providing a dynamic inflection point for risk segmentation

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A turning point for the insurance industry

Verisk’s Inflection Insurance Score is powered by Equifax®. Inflection is an industry-leading credit-based scoring solution for personal auto and property insurers. Inflection can provide 2.7 times lift between the lowest and highest risk bands in predicting losses over control models that don’t include credit-based attributes.1

1. Verisk analysis using Equifax and ISO data, 2020

Give credit where credit is due

Inflection can help shift your growth and profitability trends for the better while providing a balanced framework in which to evaluate consumers.

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Get the best of all worlds—from two global leaders in data and analytics


Innovative solutions to better align price to risk

Gain insights with a powerful trended-credit model

Enhance customer service via a balanced framework

Apply analytics and insurance compliance expertise

Micro-segment risk for more accurate pricing

Innovate with use cases across the policy life cycle

Integrate in one-rate quoting via LightSpeed®

Improve competitiveness; avoid adverse selection

Unlocking one-rate auto insurance acquisition

Shifting demographics, digital expectations, and competitive forces are transforming personal auto insurance as we know it.  A new Innovation Paper addresses strategies to evolve from practices that slow your sales pipeline and damage customer loyalty. Plus, learn 7 keys for competing in the InsurTech revolution.

Download the Innovation Paper