LexisNexis® Driving Behavior 360 for Life Insurance
Enhance mortality risk management with a more complete view of driving behavior.
A more complete view of driving behavior can help you better manage mortality risk.
Life insurers often rely on long-standing requirement ordering criteria and a medical data-driven view of risk. While medical data provides essential insight, it can overlook behavioral signals that meaningfully impact mortality variation. Incorporating driving violation data helps strengthen the risk picture, but rigid ordering rules and a single-source approach can still leave life carriers with an incomplete understanding of applicant behavior.
LexisNexis® Driving Behavior 360
Standardizes violations into fewer than 600 unique codes for consistency across every state
Captures more violations, including out-of-state, by incorporating court and other data from all 50 states
Despite rising MVR fees, many carriers still utilize single-state DMV records as their only behavioral data source. These records provide key information on driver risk, but they may not reflect all violations associated with a driver. This narrow sourcing strategy can increase operational costs while leaving critical gaps in understanding, resulting in an incomplete view of driving behavior and missed opportunities to segment risks that can have long-term consequences.
Data latency between the courts and Departments of Motor Vehicles (DMVs), reciprocity limitations along with delays in the sharing of violation data across states and variations between states in what constitutes a major offense can all cause crucial violations to be missed by an underwriter ordering only a traditional, single-state MVR report.
Driving behavior across the U.S. is shifting in ways that matter for life insurers. Major speeding, minor speeding, distracted driving and driving under the influence (DUI) violations continued to rise in 2024, with all violations increasing by 17% year-over-year.2
DUI violation trends are shifting in ways that challenge traditional risk assumptions, reinforcing the importance of a more comprehensive behavioral data strategy.
Extracting as much value from driving violation data as possible can help life carriers see a clearer picture of risk sooner by identifying early behavioral signals associated with increased mortality risk.
LexisNexis® Driving Behavior 360 delivers a more comprehensive, multi-source view of driving activity directly into existing workflows, helping life carriers spend smarter while capturing fresher data that provides a more precise view of risk.
YOY increase in all U.S. driving violations1
rise in major speeding violations1
growth in minor speeding violations1
With a more complete understanding of a driver’s risk profile, life carriers can better match price to risk and mitigate mortality slippage now that might negatively impact profitability in the future.
Uncover missing violations — including out-of-state violations — that may not appear in a single data source
Optimize underwriting budgets by investing in the most comprehensive solution available
Enhance risk segmentation with standard violation codes that ensure violations look the same across every state
are captured on average by insurers using LexisNexis Driving Behavior 360 compared to relying on DMV reports alone2
Recent trends in DUI violation data reveal unexpected risk patterns that medical data and MVRs may not surface early enough — if at all. DUI violations grew another 8% over 2023 levels in 2024, continuing a dangerous trend that has escalated every year since the pandemic.1
Carrier A orders a traditional, single-state MVR report from N.Y. on a 67-year-old applicant that returned three speeding violations in the last two years (all other medical and behavioral evidence came back clear).
The same 67-year-old applicant also applies with Carrier B, who orders LexisNexis® Driving Behavior 360. LexisNexis Driving Behavior 360 uncovers the same three speeding violations, plus a DUI conviction in Conn. from three months ago that was not appended to the N.Y. DMV record.
Carrier B accurately assessed the mortality risk and declined to issue a policy due to the recent DUI while Carrier A incorrectly issued the policy at Standard Non-tobacco rates due to the incomplete, traditional single-state MVR report.
Consolidate ordering costs with a more comprehensive solution
Strengthen risk segmentation by combining medical and behavioral data
Add richer behavioral risk signals to proactively identify blind spots
Reduce misclassifications by improving alignment between actual and expected mortality experience
Support more accurate tiering and pricing strategies
Leverage behavioral trends to inform targeted product development
Mitigate mortality slippage caused by incomplete data
Optimize acquisition costs and ordering spend with a more complete risk view
As driving violation trends continue to evolve and increase year-over-year, life carriers have an opportunity to strengthen their evaluation of driving-related risk by extracting more value from behavioral data. A consistent strategy that integrates multi-source driving violation insights with medical data can help you see risk sooner and confidently manage mortality risk according to your own set of rules.
