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Pilotbird

Empowering insurance teams with lifestyle analytics to improve underwriting, detect fraud, and engage customers

AI & Automation Startup Seed
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Overview

Pilotbird is an insurtech startup that leverages lifestyle analytics and context-aware AI to empower P&C and life and health insurance companies. The company aggregates and analyzes publicly available social data points to build comprehensive lifestyle profiles, generating actionable insights for underwriting, fraud detection, and customer engagement.

Founded in late 2020 by Evgeny Aleksandrov, who previously held roles at Goldman Sachs, JPMorgan Chase, and McKinsey, Pilotbird has quickly established itself through participation in leading accelerator programs including Techstars Boulder, Plug and Play Insurtech, and the Global Insurance Accelerator. The company is trusted by Fortune 500 insurance carriers and reports a 5x improvement in detection of ineligible claims for its clients.

Pilotbird's platform requires no IT setup and delivers out-of-box predictive analytics solutions via web portal and API. The company focuses on group and worksite insurance products including workers' compensation, disability, auto, and long-term care lines.

Products & Services

Lifestyle Risk Scoring

Analyzes social data to assess underwriting risk based on behavioral patterns and lifestyle indicators. Enriches traditional actuarial risk factors with social data points such as smoking habits, lifestyle choices, and high-risk hobbies to segment group underwriting cases while staying compliant with regulatory expectations.

Key Features

  • Social data enrichment for group underwriting
  • Behavioral pattern analysis for risk segmentation
  • Regulatory-compliant lifestyle profiling
  • Elimination of top quantile of risk in group underwriting

Target Users: Group underwriting teams at life and health carriers

Pilotbird Engage

Engages prospects and customers at the right time by matching specific lifestyle elements to relevant insurance products. Supports carriers in converting group policyholders who may have changed employers into individual policies.

Key Features

  • Lifestyle-based lead qualification
  • Timed engagement based on life events
  • Group-to-individual policy conversion
  • Industry-leading 7% click-through rate

Target Users: Marketing and distribution teams at carriers

Fraud Monitoring (Pilotbird Revocation)

Continuous behavioral monitoring and change detection platform that helps P&C insurance teams evaluate and detect ineligible claims by analyzing social data points. Surfaces inconsistencies in claimant behavior to reduce fraud leakage.

Key Features

  • Continuous behavioral monitoring and change detection
  • 5x improvement in detection of ineligible claims
  • 24-hour fast turnaround to reduce litigation
  • 2% lower false positive rates for investigations
  • 25% improvement in SIU referral rates

Target Users: Claims and SIU teams at P&C carriers