Underwriting and Rating

Inflection Credit-Based Insurance Score

Elevate pricing precision. Maintain a balanced consumer framework. Leverage a state-of-the-art, trended-credit predictive analytics model.

Give credit where credit is due

Inflection™ provides a dynamic inflection point in the development of consumer credit as a tool to evaluate risk sensibly.¹

Precise pricing

Microsegment risk by harnessing a recognized source of valuable insight into policyholder risk with 2.8 times lift.²

Streamlined compliance

Harness Verisk's auto credit model filings in all 48 states where required and allowed for use.

Improved service

Evaluate consumers with a balanced framework to reduce premium leakage and avoid adverse selection.

Economic resiliency

Leverage a dynamic, trended-credit model that spans financial cycles and is designed for today’s digital consumer.³

Optimized expenses

Cut underwriting expenses with InitialQuote Score—get a full score at quote for a fraction of the bind order cost.⁴

Innovate with use cases for a hard market

Stay up on the latest strategies to refine pricing and -manage expenses, and learn about new credit-based insurance score innovations.

Features and capabilities

Industry expertise

Tap into co-developed innovation by global leaders in credit data, analytics, and technology—Verisk and Equifax.

Trended-credit model

Microsegment your book dynamically with superior insights into policyholders that can help you better align risk and price.

Balanced framework

Understand each consumer's risk profile more clearly with insights on manageable credit behaviors and severity of specific attributes.

Line-of-business scores

Apply customized Inflection scores to personal auto and homeowners insurance quotes.⁵

InitialQuote Score⁶

Optimize quote workflow by obtaining a full score at quote for a fraction of the bind order cost.

Life-cycle solutions

From marketing with Inflection PreScreen to renewal, Verisk and Equifax have you covered.

Related resources

Stay in the know about important industry trends and innovative solutions.

Webinar

Inflection Point for Credit: Innovations for Personal Auto

Our experts will explore new marketing solutions that leverage Inflection™ InitialQuote Score and how segmenting risk has never been easier.

View the webinar on demand

Article

How to extract more value from auto insurance underwriting data

Competition and growing digital information sources demand that auto insurers balance underwriting data consumption with cost efficiency.

Read the article

Webinar

Personal Auto Performance: 6 Strategies to Drive Efficiencies

This webinar explores strategies to help insurers work smarter to improve rating integrity, reduce underwriting expenses, and advance digital and customer experience.

View the webinar on demand

Brochure

Segment risk dynamically with a trended-credit predictive analytics model

Dig into the details of Inflection to learn how to segment risk dynamically—plus additional use cases and innovations.

Download the brochure

Press release

Verisk and Equifax Codevelop Insurance Scoring Solution

Verisk and Equifax Inc. have entered into a strategic agreement to jointly develop the Inflection Insurance Score.

Issue brief

Use of Insurance Credit Scores in Underwriting

Credit-based insurance scores are well-established in insurance underwriting. Amid ongoing discussion over their use, 95% of insurers trust their strong predictive track record—as noted by the National Association of Insurance Commissioners.

Read the brief

Do more with the Verisk ecosystem

Future-proof your business with a partner that puts you in the driver’s seat.

Modernized, data-forward quoting

Accelerate data-forward quoting and modernize buying journeys to keep more business in the pipeline and boost conversion rates.

Learn about LightSpeed Personal Auto

Screen Data Reflecting On Persons Glasses

Rating integrity at every stage

Harness data-driven analytics to detect fraud and take on premium leakage across the policy life cycle.

Learn about the RISK:check Suite

Loss history innovations

Achieve precise and optimized quotes by integrating claims data upfront, plus a new crash report enhancement for auto.

Learn about A-PLUS

Police Lights During Evening Traffic Stop

Driving history data

Rethink MVR expenses—one of the costliest aspects of auto insurance underwriting—with a transformative solution.

Learn about Driving History Solutions

Public records insights

Upgrade your MVR solution with more than 2 billion court records and over 300 million crash records for a clearer picture of driver risk.

Learn about Public Records Intelligence

Contact us to learn more

We are available Monday through Friday, 7 a.m. — 8 p.m. US Eastern Time:

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1-800-888-4476

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International Access code, then 800 48977489
When calling from the UK, please dial 00 800 4897 7489

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¹_{National Association of Insurance Commissioners, Credit-Based Insurance Scores, February 18, 2020.}

² _{Verisk analysis of 30 million anonymous credit-active consumer records using Equifax and ISO data, 2020, 2.8 times lift between the lowest and highest risk bands in predicting losses over control models that don’t include credit-based attributes.}

³ _{The average Inflection score varied only 11 points out of a range of 600 across economic cycles:, Verisk-Equifax study of a random sample of 6 million+ anonymous credit-active consumer records from the first quarter of each year from 2009-2010 where an insurable interest could be identified, 2020.; As of June 30, 2020, Equifax reports inquiries for mobile phone, internet, and pay TV account openings as “soft” inquiries, and Inflection does not decrease scores for these digital consumers.}

⁴ _{InitialQuote Score is patented and trademarked by Equifax;, full-price Inflection score orders at bind include the required reason codes.}

⁵ _{ISO has not yet filed an optional rating rule for using Inflection with personal property policies. A company wanting to use the Inflection model for personal property would need to make an independent filing.}

⁶ _{Full-price Inflection score orders at bind include the required adverse action reason codes.}