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LexisNexis Driving Behavior for Life Insurance

Enhance mortality risk management with a more complete view of driving behavior

Incomplete driving data and simplistic or outdated routine motor vehicle record (MVR) ordering criteria can compromise mortality risk management.

Traditional single state MVRs can miss key violations due to delays between courts and DMVs, limited interstate reciprocity, inconsistent sharing of out-of-state records, and varying definitions of major offenses. These gaps can leave life insurance underwriters, actuaries, product managers, senior executives and innovation leaders without the complete behavioral insight needed for confident, accurate decisions.

Driving Behavior 360 for Life Insurance

Why Driving Behavior Matters for Life Insurers

Missing violations can compromise your ability to properly segment risk, invest budgets more efficiently, strengthen predictive models and improve long-term profitability.  When critical behaviors remain hidden, your risk assessment is limited by the data you cannot see.  Did you know:

  • Life insurance applicants who have a DUI violation in the last year have a 3.4x mortality risk.1
  • There has been a 17% YOY increase in all U.S. driving violations.2
  • The highest increase in DUIs occurred in an unexpected population segment.
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Missing Data that Impacts Mortality Risk Management

MVRs alone often don’t provide the full story. Some examples of data that MVRs may be missing are:

  1. Not all driving violations are reported across state lines in a single MVR.
  2. Court records and other sources can uncover 16% more violations than reported in MVRs.3
  3. A more complete view of driving behaviors from multiple sources can help identify a new or changing trend.

More data means more visibility into driving behavior and potential risk. Don’t let hidden violations compromise your decisions.

Read our latest ebook to learn how expanded driving behavior insight can help uncover what traditional MVRs may be missing. 

1LexisNexis® Risk Solutions internal study, 2024
22025 LexisNexis® U.S. Auto Insurance Trends Report
3 LexisNexis® Risk Solutions internal data