--- title: Insurance Underwriting | Predictive Analytics Insurance description: Pilotbird offers predictive analytics using lifestyle data to risk score and underwrite group life and disability insurance benefits. image: https://www.pilotbird.com/hubfs/mainPor.png --- Insurance leaders on promises of emerging data [Listen to podcast](https://www.pilotbird.com/blog/soa-podcast-promises-and-risks-of-emerging-data-in-insurance) [![Pilotbird](https://www.pilotbird.com/hubfs/raw_assets/public/Pilotbird_January2022/images/Pilotbird_Logo_Dark.svg "Pilotbird")](https://www.pilotbird.com/) [![Pilotbird](https://www.pilotbird.com/hubfs/raw_assets/public/Pilotbird_January2022/images/Pilotbird_Logo_Light.svg "Pilotbird")](https://www.pilotbird.com/) - [Technology](https://www.pilotbird.com/technology) - [Insights](https://www.pilotbird.com/blog) - [Technology](https://www.pilotbird.com/technology) - [Insights](https://www.pilotbird.com/blog) [Contact Us](https://www.pilotbird.com/contactus) [Contact Us](https://www.pilotbird.com/contactus) ![](https://px.ads.linkedin.com/collect/?pid=2764348&fmt=gif) ![Insurance Customer Retention](https://www.pilotbird.com/hubfs/innre-white-fuel-meter.png) # Pilotbird Lifestyle Risk Scoring Take to the new level the underwriting accuracy for group and individual using lifestyle risk scoring. [Contact Us](https://www.pilotbird.com/contactus) ![Predictive Analytics For Insurance](https://www.pilotbird.com/hubfs/mainPor.png) ## Key features ## 01 ![Lifestyle Risk Scoring](https://www.pilotbird.com/hs-fs/hubfs/raw_assets/public/Pilotbird_January2022/images/divider-e1610547725846.png?width=5&height=95&name=divider-e1610547725846.png) Score for assessment of lifestyle risk. ## 02 ![Lifestyle Risk Scoring](https://www.pilotbird.com/hs-fs/hubfs/raw_assets/public/Pilotbird_January2022/images/divider-e1610547725846.png?width=5&height=95&name=divider-e1610547725846.png) Hit rate for confidence level. ## 03 ![Lifestyle Risk Scoring](https://www.pilotbird.com/hs-fs/hubfs/raw_assets/public/Pilotbird_January2022/images/divider-e1610547725846.png?width=5&height=95&name=divider-e1610547725846.png) Designed for efficient use by teams. ## Expected Impact ## 12x ROI In first year ## ~20% Elimination of bad business ## Use Cases ![case-image-1](https://www.pilotbird.com/hubfs/case-image-1.jpg) ## Access your book and optimize the pricing for your current policyholders. ## Access your book and optimize the pricing for your current policyholders Pilotbird supports a global Fortune 500 carrier by analyzing its $400M+ book of basic group life product. Pilotbird Lifestyle Risk Scoring engine improves accuracy for the underwriting process and generates model lift > 3x over the existing model. The effort calibrates the score to the carrier’s actual loss experience. ![case-image-2](https://www.pilotbird.com/hubfs/case-image-2.svg) ## Integrate lifestyle risk scoring underwriting new business. ## Integrate lifestyle risk scoring underwriting new business Pilotbird offers a Fortune 500 carrier a web-portal to access the Pilotbird Lifestyle Risk Scoring engine. The portal is designed to empower underwriting teams with easy integration into their existing workflow. Based on the carrier’s request, Pilotbird enhances the portal to accommodate audit and utilization features. Following a calibration phase, Pilotbird Lifestyle Risk Scoring is expected to eliminate ~5% of bad new business. Get in touch and discover our products suite. [Contact Us](https://www.pilotbird.com/contactus) [![Pilotbird](https://www.pilotbird.com/hubfs/raw_assets/public/Pilotbird_January2022/images/Pilotbird_Logo_Light.svg "Pilotbird")](https://www.pilotbird.com/) - [Terms & Conditions](https://www.pilotbird.com/terms-conditions) - [Privacy Center](https://www.pilotbird.com/privacy-center) - [Security](https://www.pilotbird.com/security) - [Careers](https://www.pilotbird.com/careers) [![logo-24](https://www.pilotbird.com/hubfs/linkedin.svg "logo-24")](https://www.linkedin.com/company/pilotbird/) Quick Links - [Pilotbird Lifestyle Risk Scoring](https://www.pilotbird.com/pilotbird-lifestyle-risk-scoring) - [Pilotbird Fraud Monitoring](https://www.pilotbird.com/pilotbird-fraud-monitoring) - [Technology](https://www.pilotbird.com/technology) - [Blog](https://www.pilotbird.com/blog) - [Contact Us](https://www.pilotbird.com/contactus) ### Get our newsletter ![Arch grants](https://www.pilotbird.com/hs-fs/hubfs/raw_assets/public/Pilotbird_January2022/images/arch-grants-1.png?width=1085&name=arch-grants-1.png "Arch grants") ![aicpa logo](https://www.pilotbird.com/hubfs/aicpa%20logo.svg "aicpa logo") ```json { "@context" : "http://schema.org", "@type" : "Organization", "address" : { "@type" : "PostalAddress", "addressCountry" : "", "addressLocality" : "New York", "addressRegion" : "NY", "postalCode" : "", "streetAddress" : "247 W 46th St " }, "alternateName" : "Pilotbird", "areaServed" : { "@type" : "GeoCircle", "geoMidpoint" : { "@type" : "GeoCoordinates", "latitude" : "40.75996223497667", "longitude" : "-73.98761007334504" }, "geoRadius" : "150 km" }, "description" : "Pilotbird empowers Life & Health and P&C insurance teams to better score risk and detect ineligible claims by analyzing social data points", "email" : "info@pilotbird.com", "image" : "https://www.pilotbird.com/hubfs/raw_assets/public/Pilotbird_January2022/images/Pilotbird_Logo_Dark.svg", "logo" : "https://9002617.fs1.hubspotusercontent-na1.net/hubfs/9002617/Capa%202.png", "mainEntityOfPage" : { "@id" : "https://www.pilotbird.com/pilotbird-lifestyle-risk-scoring", "@type" : "WebPage", "description" : "Pilotbird offers predictive analytics using lifestyle data to risk score and underwrite group life and disability insurance benefits." }, "naics" : "513210", "name" : "Pilotbird", "sameAs" : [ "https://www.linkedin.com/company/pilotbird/" ], "telephone" : "", "url" : "/" } ``` ```json { "@context" : "https://schema.org/", "@type" : "BreadcrumbList", "itemListElement" : [ { "@type" : "ListItem", "item" : "https://www.pilotbird.com/", "name" : "Home", "position" : 1 }, { "@type" : "ListItem", "item" : "https://www.pilotbird.com/pilotbird-lifestyle-risk-scoring", "name" : "Pilotbird Lifestyle Risk Scoring", "position" : 2 } ] } ``` ```json { "@context" : "https://schema.org", "@type" : "Organization", "alternateName" : "Kiwi Insurance Services, Inc", "logo" : "https://www.pilotbird.com/hubfs/raw_assets/public/Pilotbird_January2022/images/Pilotbird_Logo_Dark.svg", "name" : "Pilotbird", "sameAs" : "https://www.linkedin.com/company/pilotbird/", "url" : "https://www.pilotbird.com/" } ``` ```json { "@context" : "https://schema.org/", "@type" : "BreadcrumbList", "itemListElement" : [ { "@type" : "ListItem", "item" : "https://www.pilotbird.com/", "name" : "Home", "position" : 1 }, { "@type" : "ListItem", "item" : "https://www.pilotbird.com/pilotbird-lifestyle-risk-scoring", "name" : "Pilotbird Lifestyle Risk Scoring", "position" : 2 }, { "@type" : "ListItem", "item" : "https://www.pilotbird.com/pilotbird-engage", "name" : "Pilotbird Engage", "position" : 3 }, { "@type" : "ListItem", "item" : "https://www.pilotbird.com/pilotbird-fraud-monitoring", "name" : "Pilotbird Fraud Monitoring", "position" : 4 }, { "@type" : "ListItem", "item" : "https://www.pilotbird.com/technology", "name" : "Pilotbird Technology", "position" : 5 }, { "@type" : "ListItem", "item" : "https://www.pilotbird.com/blog", "name" : "Pilotbird Blog", "position" : 6 }, { "@type" : "ListItem", "item" : "https://www.pilotbird.com/contactus", "name" : "Pilotbird Contact Us", "position" : 7 } ] } ``` ```json { "@context" : "https://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Organization", "name" : "Mani Kaur" }, "datePublished" : "2021-01-07", "description" : "Robert Eaton from Society of Actuaries on the uses of lifestyle data points to improve insurance experience. Tune in for the latest views in using alternative data sets to improve underwriting accuracy and prequalify leads.", "headline" : "Our CEO on podcast with Society of Actuaries", "image" : "https://www.pilotbird.com/hs-fs/hubfs/ceo_podcast-300x139-1%20(1).png?width=300&name=ceo_podcast-300x139-1%20(1).png", "mainEntityOfPage" : { "@id" : "https://www.pilotbird.com/blog/our-ceo-on-podcast-with-society-of-actuaries", "@type" : "WebPage" }, "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "https://www.pilotbird.com/hubfs/raw_assets/public/Pilotbird_January2022/images/Pilotbird_Logo_Dark.svg" }, "name" : "Pilotbird" } } ``` ```json { "@context" : "https://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Organization", "name" : "Mani Kaur" }, "datePublished" : "2022-01-11", "description" : "Insurance technology trends will increase competition with new entrants joining the market as existing players grapple with the hostile environment. McKinsey & Company agrees with these sentiments, affirming that technology will alter the structure of many organizations (1) in the coming decade. Future leaders in the industry will be organizations that integrate these technologies into their core processes and adopt an innovative mindset in light of the new realities.", "headline" : "5 Growing Insurance Technology Trends You Can’t Afford to Ignore", "image" : "https://www.pilotbird.com/hs-fs/hubfs/insurance-technology-trends.jpg?width=1420&name=insurance-technology-trends.jpg", "mainEntityOfPage" : { "@id" : "https://www.pilotbird.com/blog/insurance-technology-trends", "@type" : "WebPage" }, "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "https://www.pilotbird.com/hubfs/raw_assets/public/Pilotbird_January2022/images/Pilotbird_Logo_Dark.svg" }, "name" : "Pilotbird" } } ``` ```json { "@context" : "https://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Organization", "name" : "Mani Kaur" }, "datePublished" : "2022-09-05", "description" : "Social media and insurance records have enormous amounts of data on individuals. However, the below factors are the most consequential for health.", "headline" : "Social Media and Insurance: How BMI Is Reflected in Social Data", "image" : "https://www.pilotbird.com/hs-fs/hubfs/consumers%20providing%20information%20to%20social%20media%20and%20insurance%20companies.jpg?width=1420&name=consumers%20providing%20information%20to%20social%20media%20and%20insurance%20companies.jpg", "mainEntityOfPage" : { "@id" : "https://www.pilotbird.com/blog/social-media-insurance-how-bmi-is-reflected-social-data", "@type" : "WebPage" }, "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "https://www.pilotbird.com/hubfs/raw_assets/public/Pilotbird_January2022/images/Pilotbird_Logo_Dark.svg" }, "name" : "Pilotbird" } } ``` ```json { "@context" : "https://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Organization", "name" : "Mani Kaur" }, "dateModified" : "2022-10-10", "datePublished" : "2020-12-11", "description" : "The insurance industry is quickly following suit with multiple applications designed to improve the accuracy of underwriting. InsurTech disrupts the insurance landscape by improving customer experience, triaging customer to a product, and assessing underwriting risk. Let’s look at how these applications utilize lifestyle insights and social data points during the underwriting process.", "headline" : "Lifestyle Insights for Underwriting in FinTech and InsurTech", "image" : "https://www.pilotbird.com/hubfs/lifestyle_insight_v2-1.svg", "mainEntityOfPage" : { "@id" : "https://www.pilotbird.com/blog/lifestyle-insights-for-underwriting-in-fintech-and-insurtech", "@type" : "WebPage" }, "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "https://www.pilotbird.com/hubfs/raw_assets/public/Pilotbird_January2022/images/Pilotbird_Logo_Dark.svg" }, "name" : "Pilotbird" } } ```