Data has always played a critical role in P&C insurance, providing some foundational-level information that has historically helped insurers assess risk and price premiums accordingly. Using person-level intelligence — gleaned from individual behavior predictors and advanced AI — takes insurers a step beyond traditional data variables. Now, they have even more detailed information at hand, allowing insurers to be smarter about the individual they're insuring so they can improve loss ratios and increase profitability.

In this podcast, Scott Ham, CEO of Pinpoint Predictive, discusses the role person-level intelligence plays for insurers to help them thrive in a tight market. You'll learn:

• Why data is important to insurers and how it impacts risk and profitability;
• How insurers use historical, behavioral and environmental data as variables in their decision-making;
• What person-level intelligence brings to the game and how it increases profitability for insurers in a tight market; and
• How Pinpoint Predictive's Risk Selection Platform is impacting insurers' bottom line.