TowerGroup Research-Insurance Page has a number of recent reports on Predictive Analytics in Insurance. The use of predictive analytics is growing fast in Insurance and these reports give some great reasons and a good overview of "how to". One of these reports, "Predictive Analytics in Insurance Underwriting: Bringing More Science to the Art" by Mark Gorman has some great points. He points out that predictive analytics can increase risk/price segmentation and so help increase the percentage of straight-through processing while reducing "leakage". He also points out that predictive analytics requires a commitment to knowledge management and to integrating the technologies required. Highly recommended reports.