LexisNexis® ThreatMetrix®

Reduce identity fraud
while streamlining
the insurance
customer experience

Protecting against identity theft and creatinga frictionless customer experience are top
priorities for insurers. As cyber-criminals
become increasingly sophisticated, these
two goals can get in each other’s way.
Passwords and two-factor authentication are
no longer sufficient to thwart bad actors. At thesame time, complex authentication protocols canfrustrate customers. The challenge for insurers isensuring that people accessing your system are
not fraudsters without inconveniencing yourtrusted customers.
LexisNexis® ThreatMetrix® resolves this issue byconnecting the dots between the myriad pieces of
information an individual creates as they transact
online, then developing a unique digital identifier
for that individual. This allows you to quickly andeasily recognize legitimate customers without
disrupting the customer experience.

Authenticate returning customers
without adding friction
ThreatMetrix® passively authenticates returning
customers, creating a seamless experience foryour insureds. The solution’s layered approacheffectively identifies your return customers.

Confirm identities and thwart fraud
in real time
With deep insight into 1.4 billion pseudonymized
user identities, ThreatMetrix delivers theintelligence behind 75 million daily authenticationand trust decisions to differentiate legitimate
customers from fraudsters―in near real-time.

LexisNexis® ThreatMetrix®

Confidently detect key situations that put
user accounts at risk

The ThreatMetrix Digital Identity Network
brings identity intelligence to life

The solution’s layered approach to thwarting
cyber-threats includes the detection of:

The ThreatMetrix Digital Identity Network underpins
the ThreatMetrix solution and leverages globallyshared intelligence from millions of daily consumer
interactions, including logins, payments and new
account originations. ThreatMetrix stitches together
a customer’s true digital identity by analyzing themyriad connections between devices, locations andpseudonymized personal information. By marrying
offline behavior and online intelligence, ThreatMetrix
helps carriers elevate fraud and identification
decisions from device-level to user-level.

• Attempted logins using stolen credentials• Logins from risky or compromised devices/users• Malware targeting logins• Credential replay attacks or session hijacks• Botnets automating password guessing

The value of establishing trusted customer
behavior patterns
Knowing who policyholders are, and how andwhen they transact, can lead to detecting suspicious
behavior or compromised devices before accounts areinfiltrated by cybercriminals. ThreatMetrix enables
you to continually recognize returning customers
and seamlessly integrate this validation process
into existing business processes without adding
unnecessary friction. Layers of defense, such as
profiling the precise behavior on an account, accessing
shared intelligence about known fraud and detecting
malware or remote access control provide enhanced
security without disrupting the customer experience.

The power of blending user identity andbehavior patterns to detect threats
Digital identities within the ThreatMetrix Digital
Identity Network show a pattern of trusted behavior
by integrating pseudonymized non-regulated
personal information such as username, password
and email address with device identifiers, connection
and location characteristics. At the same time,ThreatMetrix profiles all devices accessing a website(desktops, laptops, smartphones or tablets) to identify
the presence of malware or other anomalies thatmight indicate a high-risk login attempt. High-risk
anomalies can be easily identified and flagged forreview or automatic rejection.

For more information, call 800.869.0751

About LexisNexis Risk Solutions
LexisNexis® Risk Solutions harnesses the power of data and advanced analytics to provide insights that help businesses and governmental
entities reduce risk and improve decisions to benefit people around the globe. We provide data and technology solutions for a wide range
of industries including insurance, financial services, healthcare and government. Headquartered in metro Atlanta, Georgia, we have offices
throughout the world and are part of RELX (LSE: REL/NYSE: RELX), a global provider of information-based analytics and decision tools for
professional and business customers. For more information, please visit www.risk.lexisnexis.com and www.relx.com.

The ThreatMetix service 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 do not constitute“consumer reports,” as that term is defined in the FCRA. Accordingly, the ThreatMetrix service may not be used in whole or in part as a factor in determining eligibility for credit, insurance,employment or another purpose in connection with which a consumer report may be used under the FCRA. Due to the nature of the origin of public record information, the public records
and commercially available data sources used in reports may contain errors. 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. © 2022 LexisNexis Risk Solutions. NXR14099-00-1019-EN-US