PIL has kicked off 2026 by publishing a series of thought leadership articles across two major product themes.
We started by laying out our vision for Policy Intelligence in a six-part series. This explains how continuous, lifecycle-wide intelligence is transforming decisions at inception, uncovering hidden risk, as well as rewarding good customers and detecting fraud without adding friction.
At the start of spring, we shifted the focus to Inform Manager. This six-part series makes the case for a single decision platform that puts control back in the hands of business users, from real-time decisioning and dynamic pricing to champion-challenger testing and tackling quote manipulation at source.
Earlier this month (May) we broadened the lens further with a piece on the Single Household View as insurance’s next competitive frontier.
This collection of articles demonstrates that the industry’s data and decisioning problems are solvable, and that PIL is building the tools to do just that.
Finally, the Team has just returned from BIBA 2026 in Manchester. Here they met brokers, insurers, and MGAs and continued the conversations these articles have started, creating the opportunity to turn this thinking into action.
1. From Quote to Cover: How Policy Intelligence Creates Smarter Decisions at Inception
Policy Intelligence transforms the quote-to-cover process by integrating enriched data, behavioural signals and contextual insights in real time. We show how this enables insurers and brokers to make faster, more accurate decisions at inception, identifying misrepresentation early and improving the customer experience from the first interaction.
2. Seeing the Risk Others Miss: How Policy Intelligence Uncovers Hidden Exposure
PIL examines how traditional risk assessment fails to identify what connected data reveals. Our approach links disparate data points to surface subtle exposures, behavioural anomalies, and risk stacking that would otherwise go undetected, delivering fairer outcomes through a more holistic view of the risk.
3. Personalisation at Scale: Using Policy Intelligence to Reward the Right Customers
Live behavioural insights should drive personalised pricing and customer experience – not just static rating factors. PIL believes that low-risk customers deserve to be rewarded with fair premiums, and we demonstrate how Policy Intelligence delivers that at scale without adding operational complexity.
4. Policy Intelligence as a Defence Layer: Reducing Fraud Without Adding Friction
Policy Intelligence works as a quiet fraud defence layer, analysing behavioural patterns anddata consistency in the background. Our philosophy is that genuine customers should never feel the friction of fraud prevention, while suspicious activity is flagged early enough to act on.
5. Beyond the Policy: How Continuous Intelligence Improves Retention and Lifetime Value
PIL challenges the industry’s habit of treating policies as static documents. We argue that with. continuous intelligence and monitoring of risk changes throughout the policy lifecycle, the result is fairer renewals, a reduction in churn, and the building of long-term customer relationships that last a lifetime.
6. Turning Data into Action: Why Policy Intelligence is More Than Just Information
Data without action is just noise. Policy Intelligence extends beyond the point of sale to provide ongoing, actionable insight throughout the policy lifecycle, identifying risk changes early so insurers can act on them, not just report on them.
7. Taking Back Control of Insurance Decisioning
PIL developed Inform Manager as we believe insurance businesses shouldn’t need developers to change their own decisioning logic. With this tool business users can modify pricing rules, enrichment logic, and fraud thresholds. All this is done through an intuitive interface, replacing lengthy development cycles with rapid, auditable deployment.
8. From Data to Decisions in Real Time
The gap between having data and acting on it can cause problems. Our approach with Inform Manager embeds real-time intelligence directly into the decision-making process, analysing application data and enrichment sources instantly as quotes arrive, so the insight is there precisely when it matters.
9. Smarter Pricing Without Sacrificing Agility
There is tension between pricing precision and market responsiveness. PIL finds that static rating tables and infrequent update cycles often leaves money on the table. Inform Manager enables continuous pricing refinement based on real-time data and market conditions, keeping organisations competitive without losing control.
10. Tackling Quote Manipulation Before It Becomes a Claim
Quote manipulation is best caught at the front door, not at the claims stage. We show how Inform Manager detects suspicious behaviour patterns during the quoting process and enables early intervention, through referrals, pricing adjustments, or verification, while treating genuine customers fairly.
11. Testing, Learning, and Improving Without Disruption
We explained our approach to champion-challenger decisioning, testing new underwriting and pricing strategies alongside existing ones in the live environment. Our belief is that innovation shouldn’t require betting the book. Inform Manager lets organisations compare real-world outcomes before committing to change.
12. One Decision Platform for the Entire Insurance Ecosystem
Our vision for Inform Manager is as a unified decision platform that bridges the fragmented systems across insurers, MGAs, and brokers. Rather than replacing what already exists, we believe the answer is ensuring that intelligence flows where it’s needed, reducing friction and duplication across the entire value chain.
13: Why single household view is the next milestone for insurers
Client director Chris Traill urges insurers to replace their pursuit of a single customer view with chasing a single household view to ensure accurate pricing and improve claims management. While single customer view helps insurers see individual customers clearly, a Single Household View helps them to reframe them and understand their needs in real world context.
14. BIBA Conference 2026
The PIL team made a strong showing at BIBA, with Simon, David, Chris, Kieran and Ian showcasing Evaluate to a steady stream of brokers and prospective customers during the two-
day event.
The team delivered more than twenty live Evaluate demonstrations, generating a strong pipeline of follow-up discussions that are now being progressed by the commercial team, alongside valuable conversations throughout the exhibition.
The level of engagement around Evaluate reinforced the growing demand for smarter data enrichment and insight solutions within the insurance sector, with strong interest from organisations looking to improve risk understanding and customer outcomes.
As always, BIBA provided an excellent opportunity to strengthen relationships across the market, with customers, partners and industry colleagues coming together throughout the event.
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