Inflection
Credit-Based Insurance Score
A trended-credit predictive analytics model
Verisk’s Inflection™ Insurance Score is powered by Equifax®. Inflection is an industry-leading credit-based scoring solution for personal auto and property insurers.1 Inflection can provide 2.8 times lift between the lowest and highest risk bands in predicting losses over control models that don’t include credit-based attributes.2
Give credit where credit is due
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.
Get the best of all worlds—from two global leaders in data and analytics
Innovative solutions to better align price to risk
![Checkmark Icon]()
Gain insights with a powerful trended-credit model
![Checkmark Icon]()
Apply analytics and insurance compliance expertise
![Checkmark Icon]()
Innovate with use cases across the policy life cycle
![Checkmark Icon]()
Improve competitiveness; avoid adverse selection
![Checkmark Icon]()
Enhance customer service via a balanced framework
![Checkmark Icon]()
Micro-segment risk for more accurate pricing
![Checkmark Icon]()
Integrate in one-rate quoting via LightSpeed®
![Checkmark Icon]()
Adapt to today's more digital consumer
Unlocking one-rate auto insurance acquisition
Shifting demographics, digital expectations, and competitive forces are transforming personal auto insurance. Our Innovation Paper explores key strategies to help compete in the InsurTech revolution.
- 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.
- Verisk analysis using Equifax and ISO data, 2020