标题：Staying Ahead of the Analytical Competitive Curve: Intregrating the Broad Range of Applications of Predictive Modeling in a Competitive Market Environment
摘要：In this paper, we describe a general process on how to integrate different types of predictive models within an
organization to fully leverage the benefits of predictive modeling. The three major predictive modeling
applications discussed in this paper are marketing, pricing, and underwriting models. These applications have
been well applied and published over the past several years for the property and casualty (P&C) industry, but
the literatures and discussions focused on their individual application. We believe that significant value can be
realized if they are fully integrated, offering P&C companies the opportunity to take an enterprise wide view of
managing their business through analytics. Therefore, the paper will discuss a general process on how they can
be integrated and how the integrated result can assist insurance companies with managing the complex
insurance business, such as minimizing the underwriting cycle and achieving profitable growth and reacting to
external market forces faster than their competition.
