Managing losses due to fraud and claims continues to be a major challenge for the P&C and life insurance industries. In a highly commoditized market, raising prices is not the answer. Instead, greater accuracy and precision in assessing risk and more efficient marketing spend are necessary to provide the coverage that consumers want at an affordable cost and in a manner that is profitable for businesses.

Desired Outcomes

Increase revenue per policyholder Reduce loss ratio Improve renewals/persistency


Enova Decisions enables insurance agents, brokers, insurers and reinsurers to predict key customer behaviors earlier in the sales cycle and make smarter marketing and underwriting decisions as a result. Through integration of best-in-class consumer, fraud, credit and alternative credit data, and tailored predictive modeling and scoring, Enova Decisions enables agents and brokers to use likelihood of binding and renewal to prioritize marketing spend toward the right customers and insurers to use likelihood of fraud, non-payment and filing a claim to underwrite policies that more precisely reflect risk.

Enova Decisions Smart Alerts

Identify fraud earlier in the customer journey.

Enova Decisions Smart Offers

Optimize offers to maximize profitability.