This application compares your baseline growth without Pinpoint over the next year (shown in light blue), with your growth if you use Pinpoint risk selection over this same time period and also continue to use your current pricing (shown in light green).

For "Yearly direct loss and adjustment expenses", please enter the total loss dollars and loss adjustment expenses across your book over the past year, pertaining to the specific peril(s) indicated in the "Risk model" field. For "Policies in force", enter the current number. The "Average yearly premium" equals the dollar price for one year of coverage for the average policy.

"Yearly cancellation rate" equals the percentage of your book that you believe will choose to cancel their policies over the next year. "Carrier non-renewal" refers to the maximum percentage of policies that you may decide, directly or indirectly, not to renew over the next year. "New-business rate" is a percentage equal to the number of new policies projected over the next year, divided by the current number of policies in force. The "Net growth rate" equals the new-business rate minus the cancellation and carrier-non-renewal rates.