In a highly commoditized market, P&C and life insurance providers, agents, and brokers must efficiently and effectively manage marketing and underwriting decisions in order to provide the coverage that consumers want, at an affordable cost, and in a manner that is profitable. Many businesses are turning to data and analytics to predict customer behaviors and improve the customer experience yet struggle to operationalize predictive models for real-time use.

Desired Outcomes

Increase persistency & renewals Reduce loss ratio Accelerate customer onboarding


Enova Decisions enables insurance agents, brokers, insurers and reinsurers to predict key customer behaviors earlier in the sales cycle to make smarter marketing and underwriting decisions as a result. Through pre-integrations of best-in-class 3rd-party consumer data, machine learning and our advanced decision management technology, businesses can rapidly gain actionable insights in a HIPAA-compliant manner. Learn more about our strategic alliance with Milliman.

EDC Smart Alerts

Identify fraud earlier in the customer journey.

EDC Smart Underwriting

Make more precise underwriting decisions.

EDC Smart Offers

Optimize offers to maximize profitability.