Inflection Credit-Based Insurance Score

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.}