dacadoo, a Swiss-based InsurTech, has partnered with global analytics software leader FICO to revolutionise how insurance companies evaluate risk, engage customers, and promote healthier lifestyles.
The partnership is designed to enable insurers to evolve from static, traditional underwriting models to more dynamic and behaviour-based approaches.
By integrating FICO® Platform’s advanced AI and analytics capabilities with dacadoo’s health risk engine, insurers can deliver hyper-personalised risk assessments and policy offerings tailored to each individual applicant.
This is expected to not only improve customer satisfaction and engagement but also enhance operational efficiency and long-term profitability.
“We have brought to market an innovative solution that enables insurers to target their life insurance products at specific profiles,” said dacadoo president & CEO Peter Ohnemus. “Through our new partnership with FICO, insurers will be able to use more dynamic data to assess the risk of each applicant, and to design highly personalized insurance products for their customers using advanced decision science. They can use the FICO capabilities to enhance their own risk modelling and create more complex decision trees. We are giving insurers a whole new level of risk assessment precision to help them build their portfolio.”
The combined solution enables key capabilities such as hyper-personalised underwriting, behavioural engagement models, real-time claims and onboarding decisions, and predictive modelling for customer lifetime value.
According to the two companies, insurers using the integrated platform could see a 20–30% increase in customer lifetime value and up to a 50% reduction in underwriting time.
Additional information provided highlights that over 80% of insurers are actively seeking to improve underwriting accuracy and customer experience.
This partnership is expected to directly support those goals by embedding AI and decision science into every aspect of the insurance journey.
“We see the dacadoo platform as a game-changer,” said FICO vice president for global partners and alliances Alexandre Graff. “It not only helps insurers grow their business responsibly, it helps people better manage their health through the digital health engagement platform. We see tremendous opportunities to infuse FICO’s expertise in AI and decision management into dacadoo’s platform and create a better outcome for insurers and individuals.”
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