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Manage complex risks using data-driven insights, advanced approaches, and deep industry experience.
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Data-driven insight. Deep expertise. Transformative innovation. Since 1947, Milliman has delivered intelligent solutions to improve health and financial security.
Analyze residential and flood insurance markets using a web-based solution
Pixel incorporates Milliman Market Baskets, geospatial information, subject matter expertise, and advanced analytics. We can help you make data-driven decisions and develop effective sales and marketing strategies.
Support accurate and competitively priced rate level and rating factor selections.
Identify segments that may be subject to adverse selection considering both profitability and competitiveness.
Discover market segments where you hold significant competitive advantage.
Identify areas of opportunity for agents, and design efficient and effective sales strategies.
Test proposed rates for new markets and products before implementation.
Pixel can incorporate multiple sources of competitor premiums and losses rather than tying your company to a single vendor. You can also incorporate Milliman Market Baskets and company-specific data such as quotes for in-depth understanding.
Rapidly understand your rating position and make informed decisions using powerful visualizations and analytics. Pixel provides unique metrics and variables incorporating Milliman’s GIS and subject matter expertise, explaining why premiums are competitive or profitable.
Milliman can facilitate licensing, data preparation and generation of competitor premiums, including flood premiums for voluntary writers and NFIP.
Pixel provides actionable output for sales and marketing strategies, including agency level detail and custom marketing territories, allowing sales representatives to focus on their core business. Pixel proactively helps you develop your unique competitive niche.
Pixel employs a powerful calculation engine, optimized for speed and configured to give you the power of the most advanced tools, with no code to learn or technology to maintain.
A unified, cloud-delivered platform enables actuaries, product managers, marketing, and other departments across the organization to work together to arrive at the best results for your business needs.
Decision makers at all levels will find Pixel intuitive and easy to use, enabling them to immediately begin working with data and generating credible results. This leads to faster consensus on pricing decisions and lower time to market for enhanced competitive advantage.
Print or export data sets, charts, and maps to other software for presentation or further analysis.
Whether it’s presenting to the board of directors, customers, or reinsurers, Pixel ensures you have the information to back up your decisions.
Geographic tools enable you to quickly identify spatial patterns, with latitude and longitude detail, and associated variables for granular analysis of factors that drive risk.
The software includes regular updates as well as training to ensure users can get the most out of it.
Additional Milliman professional services are available in the areas of ratemaking, sales and marketing, regulatory support and market feasibility.
This video provides an introduction to Milliman Pixel.
This video highlights Pixel's custom analytics.
This video highlights Pixel's mapping features.
Re-examining one of the least-insured perils
This episode of Critical Point discusses the future of flood insurance and what protecting a home from flood might look like a few decades from now.
In recent years, the private flood sector has grown rapidly and will likely continue to grow until the new market significantly closes the U.S. flood “protection gap.”
The visibility of climate’s impact on property hazard is increasingly leading individuals and their chosen leaders to ask: how might an increase in hazard affect the desirability of living in various communities, and…
Regular floods, whether due to hurricanes or simply heavy rainfall, are wreaking havoc in the southern states of the US and national flood-insurance schemes can’t keep up.
You only get one shot to launch a new product line in a new place with a given business model that effectively uses new risk capital. We can ensure that your pro-forma analysis reflects the entire marketplace, peripheral vision about competitors, and a realistic view of unit profitability, priming your team to win the competition for capital and establish your program at speed and scale.
Success depends on playing a multi-dimensional chess game – staying competitive for your targeted customers while staying profitable on a per-customer and overall basis. We help you overlay the relevant competitor rates and potential losses against your current and proposed pricing schemes, delivering results across the widest possible view of the insurable market.
Risk decisioning depends on point-of-quote access to finished analysis, not just raw data. We can help you build “analytic cost” models that score individual risks interactively or in batch mode with reference to competitive position, equipping your front-line staff to make the best go/no-go acceptance and routing decisions.
Market baskets are portfolios of hypothetical risks with realistic distributions of characteristics used for property and flood insurance pricing.
Milliman Bungalow is a private flood insurance plan that includes advisory loss costs, risk classification rating factors, and rating rules.
Milliman PinPoint delivers relevant geographic rating insights to your system at the point of decision through a simple API.
This articles explores some questions and challenges for aspiring U.S. private…
Given the volatile political – not to mention atmospheric – winds,…
As information emerges about the direct impacts of Florence, we examine four…
Ask the tough questions. We’re ready for them.