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Curv® – Segmentation
Effectively Allocate Your Marketing Resources

Curv is a predictive model that can use de-identified prescription information to stratify prospects into marketing tiers. Insurers use the tiers as a factor to determine specific messaging and frequency for targeted individual insurance product marketing. Prospective consumers segmented into a top priority tier, for example, may receive more or different direct mail relative to a prospect in another tier. Since Curv uses only de-identified data, no HIPAA authorization is required

More efficient use of marketing resources to attract profitable business

Better customer experience

Decline fewer applicants

Expand into markets previously deemed unprofitable

Improve protective coverage

Potential to receive reinsurance discounts

Milliman’s Curv® products are protected by U.S. patents.


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