How a Fortune 100 Multi-Line Financial Services and Insurance Organization Used Real-Time Scoring to Prioritize Higher-Value Prospects

For a top-tier diversified financial services provider, Allant helped transform a strategic hypothesis into an operational reality. By combining custom analytics, API-based delivery, governance support, and a pay-for-what-you-use model, Allant enabled the organization to prioritize higher-value prospects more intelligently and efficiently, without the cost, delay, or complexity of doing it all internally, allowing them to iterate analytics throughout the process.

Why It Mattered

Audience intelligence can do more than support campaign targeting. It can also be embedded directly into business operations to help enterprise organizations make smarter decisions at the point of engagement in real time.

Improved efficiency
Enabled the client to operationalize audience intelligence in real time without licensing an entire third-party universe. This meant the client was able to receive only the scores it needed when a prospect actually appeared in the quote flow, a 95% estimated cost saving.

Accelerated time to value
Fast-tracked progress through a highly governed enterprise environment, compressing what was described as a potential two-year process into roughly four months.

Reduced operational burden
A ready-to-use scoring capability was delivered through an existing API path, removing the need for the client to build the scoring engine from scratch and accommodate frequent business rule changes and evolving product goals from six internal teams.

Produced a more intelligent engagement path
Helped the client move from a broad, undifferentiated prospect intake process to a more prioritized and intelligent engagement model. This helped route higher-value prospects toward more strategic treatment paths while supporting more efficient resource allocation across business lines, reinforcing the value of the model and its future expansion potential.

Additional Business Impact

• Expanded from an initial use case into additional business lines, with score volumes increasing as adoption grew.
• Established a monthly benchmarking approach to refine scoring over time and support continued optimization.
• Utilized deduplication reporting to identify future client enhancements required within their tech stack.

Challenge

A Fortune 100 multi-line financial services and insurance organization wanted a better way to identify which inbound quote prospects were most likely to become deeper, more profitable customer relationships. Its team believed that some households demonstrated a stronger “protector” mindset, meaning they were more inclined to value broader insurance coverage, hold multiple policies, and build longer-term relationships, but it lacked a scalable way to operationalize that insight in real time.

At the same time, the organization faced internal complexity. Its analytics and governance environment involved multiple stakeholders, extensive review requirements, and a lengthy internal approval process. Building and deploying this type of scoring capability entirely in-house would have required significant time, cross-functional coordination, and technology effort.

The client’s original inclination was to license an entire third-party prospect universe to build the entire solution internally and support the use case. But that approach would have been expensive and inefficient given that only a fraction of that universe would actually be relevant at the moment a prospect entered the quote process.

Solution

Allant worked with the client to develop a custom prospect scoring solution through AMP+ that could be operationalized directly within the client’s multiple existing workflow. Rather than requiring the client to purchase and manage a full prospect universe, Allant scored the broader universe in advance and returned a score only when an inbound prospect entered the client’s digital path.

The solution included:

• A custom “protector” score designed to rank prospects on a 0–100 scale based on their likelihood to represent a stronger, broader insurance relationship with a back-up solution to match and provide a county-level score.
• A confidence score indicating how much underlying information was available to support each score, helping the client interpret the strength of each result.
• Integration into an existing API framework already in place at the client, allowing the score to be delivered in a way that was easier for internal teams to consume and deploy.
• Ongoing collaboration with the client’s analytics and governance stakeholders to refine variables, thresholds, and business logic based on internal feedback.
• Utilizing Allant’s keying solution to create a data deduplication resolution reporting.

This model also aligned with Allant’s broader value proposition: enabling organizations to pay for the audience intelligence they actually use, rather than overinvesting in large, flat-fee data licenses. That usage-based approach is consistent with Allant’s Precision Audience positioning and commercial philosophy.