LexisNexis® Prospect Survival

See first-term auto policy retention potential before you acquire a customer—so you can focus on prospects more likely to stay.

What if you could see early-term auto policy attrition—before you acquire a customer?

Most early-term attrition happens long before renewal, but U.S. auto insurance marketers rarely see it early enough to act. Relying on self-reported, generic or historical data limits your ability to identify which prospects are likely to stay through the first auto policy term.

With LexisNexis® Prospect Survival, you get individual-level retention insights at the point of marketing. Tap into industry-wide insurance performance data delivered through a non-FCRA predictive model—and make acquisition decisions with greater confidence in who’s likely to stay.

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Bring first-term auto policy retention insight into your customer acquisition decisions

Identify early-term flight risks

See which individuals are least likely to reach renewal

Focus spend where it matters

Direct acquisition budget toward individuals more likely to stay

Direct marketing effort with more clarity

Prioritize your attention on individuals with stronger policy retention signals

Strengthen retention from day one

Grow with individuals who show higher first-term retention potential

See where most early-term attrition comes from

Prospect Survival scores and groups individuals into 10 deciles based on the likelihood of staying through the first policy term. The pattern is clear: early-term defectors are not evenly distributed.

Consumers in the three worst deciles account for 65% of all early defections¹
Consumers in decile 10 are 3.2x more likely to leave during the first policy term than those in decile one¹

When you can easily see an individual’s auto insurance retention propensity at the point of marketing, you can avoid pursuing those least likely to stay.

¹Source: LexisNexis® Risk Solutions, internal data, 2025

Use early retention signals to help guide acquisition

How does Prospect Survival help insurance marketers find individuals more likely to stay?

Prospect Survival uses industry-wide insurance performance data to reveal auto policy retention propensity that generic or internal data can’t show.

Assess retention risk earlier:

	Evaluate individuals with market intelligence Qualify prospects using real insights from across the industry—not self-reported or proxy data.
	Gain unmatched insights Tap into proprietary information that is validated by current shopping and switching behavior.
	Get individual-level visibility Go beyond demographic data to assess retention potential at the consumer level.

With a clear, informed view of retention potential, you can strengthen acquisition decisions to focus on individuals more likely to deliver long-term value.

How does Prospect Survival help insurance marketers find individuals more likely to stay?

Prospect Survival uses industry-wide insurance performance data to reveal auto policy retention propensity that generic or internal data can’t show.

Assess retention risk earlier:

	Evaluate individuals with market intelligence Qualify prospects using real insights from across the industry—not self-reported or proxy data.
	Gain unmatched insights Tap into proprietary information that is validated by current shopping and switching behavior.
	Get individual-level visibility Go beyond demographic data to assess retention potential at the consumer level.

With a clear, informed view of retention potential, you can strengthen acquisition decisions to focus on individuals more likely to deliver long-term value.

How do marketers use Prospect Survival?

U.S. personal auto insurance marketers use Prospect Survival to help make clearer decisions across both paid and organic marketing channels and campaigns. One analysis showed that when carriers focused on the top half of scored policies, cumulative six-month retention improved from 79% to 87%.²

Acquire with retention in mind::

	Prioritize paid leads more likely to stay Use early retention signals to help understand which purchased leads are more likely to reach renewal—and how assertively to bid and pursue them.
	Strengthen list quality Append first-term retention indicators to first- or third-party lists to refine segmentation, targeting, retargeting and lead routing.
	Spot cross-sell opportunities Assess your current book to find individuals with stronger retention signals—so cross-sell and up-sell efforts focus on relationships more likely to last.
	Support multi-channel strategies Apply retention insights across direct mail, email, digital and agent-driven campaigns to help ensure consistent engagement with individuals more likely to stay.
	Tailor messaging for longer-term relationships Use retention scores to segment customers and prospects, delivering communications that reflect their likelihood to stay and their value over time.

Whether you're evaluating purchased leads or triaging inbound traffic, earlier insight into first-term attrition can help you focus where longer-term relationships are more likely.

² Source: LexisNexis® Risk Solutions, internal data,2025

How do marketers use Prospect Survival?

Acquire with retention in mind::

	Prioritize paid leads more likely to stay Use early retention signals to help understand which purchased leads are more likely to reach renewal—and how assertively to bid and pursue them.
	Strengthen list quality Append first-term retention indicators to first- or third-party lists to refine segmentation, targeting, retargeting and lead routing.
	Spot cross-sell opportunities Assess your current book to find individuals with stronger retention signals—so cross-sell and up-sell efforts focus on relationships more likely to last.
	Support multi-channel strategies Apply retention insights across direct mail, email, digital and agent-driven campaigns to help ensure consistent engagement with individuals more likely to stay.
	Tailor messaging for longer-term relationships Use retention scores to segment customers and prospects, delivering communications that reflect their likelihood to stay and their value over time.

Whether you're evaluating purchased leads or triaging inbound traffic, earlier insight into first-term attrition can help you focus where longer-term relationships are more likely.

² Source: LexisNexis® Risk Solutions, internal data,2025

How does Prospect Survival work with other predictive models to deliver a more complete view of a prospect?

Prospect Survival gives you early signals of retention potential—and when you combine it with other non-FCRA predictive models, you can get a more complete view of each lead’s retention, risk and competitiveness.

Connect retention with risk and conversion:

	LexisNexis® Marketing Risk Classifier Identify leads with profiles that align with your risk appetite. Used together, Prospect Survival and Marketing Risk Classifier can help you segment leads by lifetime value potential.
	LexisNexis® Prospect Qualifier See where your pricing is most competitive to focus on leads more likely to convert into policies.

Together, these models reveal patterns and signals that generic or in-house data miss—giving you the visibility to make more confident acquisition decisions.

How does Prospect Survival work with other predictive models to deliver a more complete view of a prospect?

Connect retention with risk and conversion:

	LexisNexis® Marketing Risk Classifier Identify leads with profiles that align with your risk appetite. Used together, Prospect Survival and Marketing Risk Classifier can help you segment leads by lifetime value potential.
	LexisNexis® Prospect Qualifier See where your pricing is most competitive to focus on leads more likely to convert into policies.

Together, these models reveal patterns and signals that generic or in-house data miss—giving you the visibility to make more confident acquisition decisions.

LexisNexis® Prospect Survival is not provided by “consumer reporting agencies,” as that term is defined in the Fair Credit Reporting Act (15 U.S.C. § 1681, et seq.) (“FCRA”) and does not constitute a “consumer report,” as that term is defined in the FCRA. Accordingly, LexisNexis® Prospect Survival may not be used in whole or in part as a factor in determining eligibility for credit, insurance, employment or for any other eligibility purpose that would qualify it as a consumer report under the FCRA. LexisNexis and the Knowledge Burst logo are registered trademarks of RELX Inc. Other products and services may be trademarks or registered trademarks of their respective companies. Copyright © 2026 LexisNexis Risk Solutions.

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LexisNexis® Prospect Survival

What if you could see early-term auto policy attrition—before you acquire a customer?