Insurance Report Recognizes Unitrin Kemper's Effective Use of Fair Isaac Blaze Advisor in Underwriting

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(Minneapolis, Minnesota, USA) - Fair Isaac Corporation (NYSE: FIC), the leading provider of analytics and decision management technology, announced today that Celent, LLC, a leading research and advisory firm focused on insurance technology strategy, has recognized the effective use of Fair Isaac's Blaze Advisor™ business rules management system by Fair Isaac client Unitrin Kemper Auto and Home.

Named as a "Model Carrier Component" in the new report, Celent Model Carrier 2007, Unitrin Kemper Auto and Home implemented a rules-based approach to underwriting, powered by Fair Isaac's Blaze Advisor software, to streamline its paper-based, manual underwriting processing system and increase insurance applications while reducing risk. In the report, "Model Carrier Components" are presented as components of an insurer's IT systems and practices and are examples of initiatives and practices that help insurers improve performance, meet market demands, and operative efficiently.

As a result of Unitrin Kemper Auto and Home's implementation of Blaze Advisor software, the personal lines insurer was able to immediately lower its combined loss/expense ratio by eight points, reduce underwriting losses, and improve targeting of new auto and home insurance business.

"Our adoption of Fair Isaac's Blaze Advisor rules management technology has given us the speed to market and efficiency we were looking for," said Patrick Madigan, assistant vice president of Underwriting at Unitrin Kemper Auto and Home. "In addition to reducing underwriter workload and enabling better, more consistent decisions, our move to a rules-based system has enabled us to segment risks more finely."

The Unitrin Kemper Decision Support System captures underwriting logic in the rules engine, automating and bringing consistency to underwriting logic that had previously been locked in COBOL code or in underwriters' offline practices. This centralization of decision logic supports both internal and point-of-sales systems, resulting in more opportunities for Unitrin Kemper to underwrite insurance.

"Unitrin Kemper Auto and Home demonstrated the versatility, agility and speed of Fair Isaac's Blaze Advisor as an integral part of personal lines underwriting processes," said Michael Gordon, vice president of Insurance at Fair Isaac. "Blaze Advisor allows organizations to drive precise, consistent business decisions to the point-of-sale, and also provides the agility and flexibility to adapt decision strategies as business strategies change across increasingly competitive insurance market segments."

"Driven by the availability of electronic applications and the increased sophistication of rules engines, automated underwriting is now common in property/casualty for personal lines," said Matthew Josefowicz, manager of Celent's insurance practice and lead author of the report. "Rules engines provide an effective environment to create and manage underwriting rules and allow consistent underwriting rules to be captured in the workflow system."

About Celent
Celent, LLC is a research and advisory firm dedicated to helping financial institutions formulate comprehensive business and technology strategies. Celent publishes reports identifying trends and best practices in financial services technology and conducts consulting engagements for financial institutions looking to use technology to enhance existing business processes or launch new business strategies. With a team of internationally experienced analysts, Celent is uniquely positioned to offer strategic advice and market insights on a global basis. More information about Celent's Model Carrier 2007 report is available online at

About Unitrin Kemper Auto and Home
Unitrin Kemper Auto and Home provides personal automobile, homeowners, inland marine, boat owners, dwelling fire and personal umbrella insurance to preferred and standard-risk customers. Unitrin Kemper Auto and Home's premier product, the Package Plus, is a combined automobile and homeowners insurance policy that provides the convenience of one transaction and billing process to fulfill individual insurance needs. Unitrin Kemper Auto and Home operates in approximately 38 states and has over 2,000 independent agents as its sales force.

About Fair Isaac
Fair Isaac Corporation (NYSE:FIC) makes decisions smarter. The company's solutions and technologies for Enterprise Decision Management give businesses the power to automate more processes, and apply more intelligence to every customer interaction. Through increasing the precision, consistency and agility of their decisions, Fair Isaac clients worldwide increase sales, build customer value, cut fraud losses, manage credit risk, reduce operational costs, meet changing compliance demands and enter new markets more profitably. Founded in 1956, Fair Isaac powers hundreds of billions of decisions per year in financial services, insurance, telecommunications, retail, consumer branded goods, healthcare and the public sector. Fair Isaac also helps millions of individuals manage their credit health through the website.

Statement Concerning Forward-Looking Information
Except for historical information contained herein, the statements contained in this press release that relate to Fair Isaac, including statements regarding its Blaze Advisor business rules management system, and the benefits to be derived from this offering, are forward-looking statements within the meaning of the "safe harbor" provisions of the Private Securities Litigation Reform Act of 1995. These forward-looking statements are subject to risks and uncertainties that may cause actual results to differ materially, including any unforeseen technical difficulties related to the implementation, use and functionality of the offering, the risks that customers will not perceive material benefits from the offering, failure of the product to deliver the expected results, the possibility of errors or defects in the offering, regulatory changes applicable to the use of consumer credit and other data, and other risks described from time to time in Fair Isaac's SEC reports, including its Annual Report on Form 10-K for the year ended September 30, 2006 and its quarterly report on Form 10-Q for the period ended December 31, 2006. Forward-looking statements should be considered with caution. If any of these risks or uncertainties materializes or any of these assumptions proves incorrect, Fair Isaac's results could differ materially from Fair Isaac's expectations in these statements. Fair Isaac disclaims any intent or obligation to update these forward-looking statements.

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