Vertical Bundles — Financial Services and Insurance

The Financial Services & Insurance Bundle provides very valuable information related to the debt/equity/investments and networth of your customers and prospects. This helps in creating user persona and personalised campaigns and the keys in the details object represents a Person Summary.

{
  "name" : null,
  "age" : {
    "value" : 40
  },
  "gender" : null,
  "household" : {
    "familyInfo" : {
      "numberOfChildren" : "2"
    },
    "homeInfo" : {
      "dwellingType" : "Business",
      "dwellingTypeIndicator" : "S",
      "householdEducation" : "College",
      "householdEducationIndicator" : "S",
      "lengthOfResidence" : "20+ yrs",
      "lengthOfResidenceIndicator" : "S",
      "affluents" : "Silver",
      "currentLoanToValue" : "48",
      "familyComposition" : "9",
      "homeMarketValue" : "3154S",
      "ownerToOwner" : "Likely",
      "rentertoOwner" : "Likely",
      "yearHomeBuilt" : "1968"
    },
    "presence" : {
      "presenceOfChildren" : "Y",
      "presenceOfChildrenIndicator" : "H",
      "child" : {
        "age0to2" : "Female ",
        "age11to15" : "Male ",
        "age16to17" : "Female ",
        "age3to5" : "Male "
      }
    },
    "finance" : {
      "income" : "$30,000 - $39,999",
      "incomeIndicator" : "H ",
      "narrowBandIncome" : "$20,000 - $24,999",
      "discretionarySpendingIncome" : "$65,000 - $74,999",
      "firstMortgageAmountInThousands" : "5147",
      "homeEquityLoanDate" : "200811",
      "homeMarketValueTaxRecord" : "453",
      "homeEquityLoanInThousands" : "829",
      "homeEquityLoanIndicator" : "1",
      "investmentResources" : "$250,000 - $499,999",
      "liquidResources" : "$500 - $2,499",
      "mortgageInterestRateTypeOrRefinance" : "Fixed Rate Loan",
      "mortgageLiability" : "425",
      "mortgageLoanTypeOrRefinance" : "New Construction",
      "mortgageDate" : "201204",
      "refinanceIndicator" : "1",
      "secondMortgageAmountInThousands" : "150",
      "shortTermLiability" : "$50,000 or more",
      "incomeIndex" : "35",
      "netWorth" : "$150,000 - $249,999",
      "wealthResources" : "$250,000 - $499,999"
    }
  },
  "demographics" : {
    "age" : {
      "value" : 40
    },
    "consumers" : {
      "valueScore" : "Above Average Profit Margin"
    },
    "homeInfo" : {
      "homeOwner" : "Definite Renter",
      "homeOwnerIndicator" : "S"
    },
    "enthusiasts" : {
      "niches" : "Chic Society"
    },
    "maritalInfo" : {
      "maritalStatus" : "Married",
      "maritalStatusIndicator" : "S"
    }
  },
  "surveys" : {
    "investments" : {
      "juvenileLifeInsurance" : "Y",
      "burialInsurance" : "Y",
      "insurance" : "Y",
      "investments" : "Y",
      "lifeInsurance" : "Y",
      "medicareCoverage" : "Y",
      "mutualFunds" : "Y",
      "stocksOrBonds" : "Y"
    }
  },
  "emails" : [ ],
  "phones" : [ ],
  "profiles" : { },
  "locations" : [ ],
  "employment" : [ ],
  "photos" : [ ],
  "education" : [ ],
  "urls" : [ ],
  "marketTrends" : {
    "switchers" : {
      "insurance" : "Likely",
      "job" : "Likely"
    },
    "buyers" : {
      "autoInsuranceSelfServeOnline" : "Highly Likely",
      "onlineInsurance" : "Highly Likely"
    },
    "customers" : {
      "annuity" : "Highly Likely",
      "autoInsurancePremiumDiscountviaTelematicsCustomer" : "Likely",
      "certificatesofDeposit" : "Highly Likely",
      "communityBankCustomer" : "Highly Likely",
      "convenience" : "Unlikely",
      "deposit" : "Unlikely",
      "financialAdvisor" : "Unlikely",
      "frequentATM" : "Unlikely",
      "interestCheckingPreference" : "Highly Likely",
      "lending" : "Highly Likely",
      "loyalFinancialInstitution" : "Unlikely",
      "nationalBankCustomer" : "Likely",
      "regionalBankCustomer" : "Likely",
      "selfInsuredDental" : "Unlikely",
      "studentLoan" : "Likely",
      "qsrcash" : "Unlikely"
    },
    "consumers" : {
      "autoInsurance" : "Highly Likely",
      "autoInsuranceAgentSold" : "Likely",
      "autoInsuranceCallCenterSold" : "Likely",
      "conservativeInvestmentStyle" : "Highly Likely",
      "contactlessPayApplication" : "Likely",
      "creditCardAttritionHouseholds" : "Highly Likely",
      "creditCardRevolvers" : "Unlikely",
      "creditUnionMember" : "Likely",
      "employerProvidedHealthInsurancePolicyHolders" : "Unlikely",
      "futureInvestors" : "Likely",
      "gigEconomyEmployees" : "Highly Likely",
      "homeRemodelers" : "Unlikely",
      "intheMarkettoGetaHomeLoan" : "Unlikely",
      "intheMarkettoPurchaseaHome" : "Likely",
      "investmentTrustBankingPreference" : "Likely",
      "likelyMortgageRefinancers" : "Unlikely",
      "likelytoUseanInvestmentBroker" : "Likely",
      "likelytohaveaMortgage" : "Highly Likely",
      "longTermCare" : "Unlikely",
      "lowInterestCreditCard" : "Unlikely",
      "medicaidPotentialQualifiedHousehold" : "Unlikely",
      "medicareDualEligibleHousehold" : "Unlikely",
      "medicarePlanDPrescriptionDrugHealth" : "Likely",
      "non401kMutualFundInvestors" : "Highly Likely",
      "non401kStocksBondsInvestors" : "Likely",
      "paychecktoPaycheck" : "Likely",
      "rentersandAutoInsuranceJointPolicyHolders" : "Likely",
      "retiredbutStillWorking" : "Likely",
      "selfPayHealthInsurance" : "Likely",
      "seniorCaregivers" : "Likely",
      "seniorLivingSearchers" : "Unlikely",
      "termLife" : "Likely",
      "underbanked" : "Likely",
      "uninsuredforHealth" : "Unlikely",
      "upcomingRetirees65andOlder" : "Unlikely",
      "weeklyOnlineBankers" : "Unlikely",
      "wholeLife" : "Highly Likely",
      "workforSmallCompanyOfferingHealthInsurance" : "Highly Likely"
    },
    "owners" : {
      "_401k" : "Unlikely",
      "educationSavingsPlan" : "Unlikely",
      "multiPolicyInsurance" : "Highly Likely",
      "prepaidCard" : "Unlikely",
      "secondHome" : "Likely",
      "timeshare" : "Highly Likely"
    },
    "subscribers" : {
      "financialHealthNewsletter" : "Unlikely"
    },
    "purchasers" : {
      "impulse" : "Unlikely",
      "medicareAdvantagePlan" : "Likely",
      "midmarketTermLifeInsurance" : "Likely",
      "midmarketWholeLifeInsurance" : "Unlikely",
      "petInsurance" : "Likely",
      "acahealthInsurance" : "Highly Likely"
    },
    "shoppers" : {
      "financialInstitution" : "Highly Likely"
    },
    "users" : {
      "brandedRetailCreditCard" : "Highly Likely",
      "creditCardBalanceTransfer" : "Likely",
      "debitCardRewards" : "Highly Likely",
      "debitCard" : "Highly Likely",
      "mobileBanking" : "Unlikely",
      "onlineBroker" : "Likely",
      "onlineSavings" : "Likely",
      "rewardsCardCashBack" : "Unlikely",
      "rewardsCardOther" : "Likely"
    }
  }
}

Properties
details.name.given string	The given name (first name) of the individual.
details.age.value integer	The age in years of the individual.
details.gender string	The gender of the individual.

Properties: details.household
familyInfo.Numberofchildren string	The number of known children in the household; Unknown should not be interpreted as "No" children.
homeInfo.Dwellingtype string	This indicate the type of structure of the building in which the household resides.
homeInfo.Dwellingtypeindicator string	Advantage dwelling type indicator.
homeInfo.Householdeducation string	Median school years completed by adults age 18 or older.
homeInfo.Householdeducationindicator string	household education indicator.
homeInfo.Lengthofresidence string	This indicates the length of time a household has been identified at this address.
homeInfo.Lengthofresidenceindicator string	length of residence indicator.
homeInfo.Affluents string	This indicates the segments of the most affluent households based upon key financial characteristics and census characteristics.
homeInfo.Currentloantovalue string	Current loan to value (implied decimal 00.00 to 99.99).
homeInfo.Familycomposition string	This represents the makeup of the household, such as married couple with children, married couple with no children or single female with no children.
homeInfo.Homemarketvalue string	This estimates the home market value for property expressed in thousands.
homeInfo.Ownertoowner string	This model predicts a household's likelihood to move in the next 3-5 months.
homeInfo.Rentertoowner string	This model for current renters. This model predicts a household's likelihood to move in the next 3-5 months.
homeInfo.Yearhomebuilt string	This indicates construction year of the home.
presence.Presenceofchildren string	Child present in household; Unknown should not be interpreted as "No" children.
presence.Presenceofchildrenindicator string	presence of children indicator.
presence.child.Age0To2 string	Indicates the presence (and gender) of a child in the household between or equal to the ages of 0 and 2
presence.child.Age3To5 string	Indicates the presence (and gender) of a child in the household between or equal to the ages of 3 and 5.
presence.child.Age11To15 string	Indicates the presence (and gender) of a child in the household between or equal to the ages of 11 and 15
presence.child.Age16To17 string	Indicates the presence (and gender) of a child in the household between or equal to the ages of 16 and 17\.

Properties: details.finance
Income string	This model defines the self-reported incomes, property values and other proprietary sources
Incomeindicator string	This Indicator reflects if data is sourced via self-reported income or inferred.
Narrowbandincome string	This model defines the self-reported incomes, property values and other proprietary sources
Discretionaryspendingincome string	This model estimates the household income after taxes, shelter, food, clothes, transportation, utilities, and healthcare.
Firstmortgageamountinthousands string	This model indicates the First mortgage amount in thousands
Homeequityloandate string	Date of home equity loan
Homemarketvaluetaxrecord string	This model indicates the Home market value (actual value) provided via county/local tax and deed information.
Homeequityloaninthousands string	This model indicates the Actual amount of home equity loan
Homeequityloanindicator string	This model indicates the Flag that home equity loan is associated with that property
Investmentresources string	This model estimate the financial and other investments
Liquidresources string	This model estimates the current cash savings
Mortgageinterestratetypeorrefinance string	Interest rate type of mortgage (or refinance)
Mortgageliability string	Primary property mortgage
Mortgageloantypeorrefinance string	Loan type of mortgage (or refinance)
Mortgagedate string	Date of mortgage (or refinance)
Refinanceindicator string	Flag indicating a refinance is associated with that property
Secondmortgageamountinthousands string	2nd mortgage amount (actual value): original transaction
shorttermliability string	This model estimates the credit cards, other loan, auto loan, student loan.
Incomeindex string	Reflects an index comparing a household's income to the average income for the county in which the household resides.
Networth string	This model indicates the Value equals household's asset minus liabilities.
Wealthresources string	This model estimates the value of savings and investments

Properties: details.demographics
age.value string	The age in years of the individual.
consumers.Valuescore string	This model estimates the consumer marketing profitability margin.
homeInfo.Homeowner string	Classification of household head as an owner/renter.
homeInfo.Householdeducationindicator string	household education indicator
enthusiasts.niches string	A specialised segment of the consumers.
maritalinfo.Maritalstatus string	Marital status of individual.
maritalinfo.Maritalstatusindicator string	individual marital status indicator.

Properties: details.surveys
investments.Juvenilelifeinsurance string	This model indicates the customers who has interest present in Household for Juvenile life insurance
investments.Burialinsurance string	This model indicates the customers who has interest present in Household for burial insurance
investments.Insurance string	This model indicates the customers who has interest present in Household for insurance
investments.Investments string	This model indicates the customers who has interest present in Household for investments
investments.Lifeinsurance string	This model indicates the customers who has interest present in Household for life insurance
investments.Medicarecoverage string	This model indicates the customers who has interest present in Household for medicare coverage
investments.Mutualfunds string	This model indicates the customers who has interest present in Household for mutual funds
investments.Stocksorbonds string	This model indicates the customers who has interest present in Household for stocks or bonds

Additional Properties

Properties: details.marketTrends
switchers.Insuranceswitcher string	This model ranks consumers based upon their likelihood to switch insurance providers.
switchers.Job string	This model ranks consumers based upon their likelihood to switch jobs.
customers.Annuitycustomersinvestments.Insurance string	This model ranks consumers based upon their likelihood to buy annuities.
customers.Autoinsurancepremiumdiscountviatelematicscustomer string	This model ranks consumers based upon their likelihood to purchase telematics for their vehicle to get auto insurance discounts.
customers.Certificatesofdepositcustomers string	This model ranks consumers based upon their likelihood to have CDs.
customers.Communitybankcustomer string	This model ranks consumers based upon their likelihood to bank at a community bank.
customers.Conveniencecustomers string	This model ranks consumers based upon their likelihood to choose their FI because of convenience reasons such as hours/location .
customers.Depositcustomers string	This model ranks consumers based upon their likelihood to choose their FI for deposit options.
customers.Financialadvisorcustomers string	This model ranks consumers based upon their likelihood to use services of a Financial Advisor.
customers.Frequentatmcustomers string	This model ranks consumers based upon theirlikelihood to use Debit/ATM Cards 16+ times per month.
customers.Interestcheckingpreferencecustomers string	This model ranks consumers based upon their likelihood to choose an FI because of Interest Checking.
customers.Lendingcustomers string	This model ranks consumers based upon their likelihood to choose FI for lending options (loan rates).
customers.Loyalfinancialinstitutioncustomers string	This model ranks consumers based upon their likelihood to be loyal to their FI (more than 5 year).
customers.Nationalbankcustomer01 string	This model ranks consumers based upon their likelihood to bank at a national bank.
customers.Regionalbankcustomer string	This model ranks consumers based upon their likelihood to bank at a regional bank.
customers.Selfinsureddentalcustomers string	This model ranks consumers based upon their likelihood to have purchased this insurance.
customers.Studentloancustomers string	This model ranks consumers based upon their likelihood to have a student loan.
customers.Qsrcashcustomers string	This model ranks consumers based upon their likelihood to pay cash at QSRs.
consumers.Autoinsurance string	This model estimate the consumers who has auto insurance
consumers.Autoinsuranceagentsold string	This model ranks consumers based upon their likelihood to have purchased auto insurance through an agent.
consumers.Autoinsurancecallcentersold string	This model ranks consumers based upon their likelihood to have purchased auto insurance through a call center.
consumers.Conservativeinvestmentstyleconsumers string	This model ranks consumers based upon their likelihood to invest conservatively.
consumers.Contactlesspayapplicationconsumers string	This model ranks consumers based upon their likelihood touse contactless payment methods.
consumers.Creditcardattritionhouseholds string	This model ranks consumers based upon their likelihood to pay off credit cards or carry zero balance on cards.
consumers.Creditcardrevolvers string	This model ranks consumers based upon their likelihood to revolve credit balances.
consumers.Creditunionmember string	This model ranks consumers based upon their likelihood to belong to a credit union.
consumers.Employerprovidedhealthinsurancepolicyholders string	This model ranks consumers based upon their likelihood to use health insurance benefits from their employers.
consumers.Futureinvestors string	This model ranks consumers based on their likelihood to be future investors (individuals planning to invest for the first time).
consumers.Gigeconomyemployees string	This model ranks consumers based upon their likelihood to be gig employed.
consumers.Homeremodelers string	This model ranks consumers based upon their likelihood to do home remodeling projects.
consumers.Inthemarkettogetahomeloan string	This model ranks consumers based upon their likelihood to purchase a home in next 12 months.
consumers.Inthemarkettopurchaseahome string	This model ranks consumers based upon their likelihood to purchase a condo/apartment/house in next 12 months.
consumers.Investmenttrustbankingpreference string	This model ranks consumers based upon their likelihood to choose a financial institution because of investment/trust options.
consumers.Likelymortgagerefinancers string	This model ranks consumers based upon their likelihood to refinance their mortgage.
consumers.Likelytouseaninvestmentbroker string	This model ranks consumers based upon their likelihood to use this type of broker.
consumers.Likelytohaveamortgage string	This model ranks consumers based upon their likelihood to have a mortgage.
consumers.Longtermcare string	This model ranks consumers based upon their likelihood to buy long term care insurance.
consumers.Lowinterestcreditcarduser string	This model ranks consumers based upon their likelihood to use this type of credit card.
consumers.Medicaidpotentialqualifiedhousehold string	This model ranks consumers based upon their likelihood to have purchased health insurance via the ACA.
consumers.Medicaredualeligiblehousehold string	This model ranks consumers based upon their likelihood to be eligible for both Medicare and Medicaid.
consumers.Medicareplandprescriptiondrughealthpurchaser string	This model ranks consumers based upon their likelihood to plan to get Plan D prescription drug coverage.
consumers.Non401Kmutualfundinvestors string	This model ranks consumers based upon their likelihood to invest in non-401k mutual funds.
consumers.Non401Kstocksbondsinvestors string	This model ranks consumers based upon their likelihood to invest in non-401k stocks/bonds.
consumers.Paychecktopaycheckconsumers string	This model ranks consumers based upon their likelihood to live pay check to pay check.
consumers.Rentersandautoinsurancejointpolicyholders string	This model ranks consumers based upon their likelihood to have renter and auto insurance with same carrier.
consumers.Retailtexters string	This model ranks consumers based upon their likelihood to open text messages from retailers.
consumers.Retiredbutstillworking string	This model ranks consumers based upon the likelihood to still be employed post-retirement.
consumers.Selfpayhealthinsurance string	This model ranks consumers based upon their likelihood to purchase insurance on their own.
consumers.Seniorcaregivers string	This model ranks consumers based on their likelihood to be or plan to be a senior caregiver or purchase/plan for senior caregiving services.
consumers.Seniorlivingsearchers string	This model ranks consumers based upon their likelihood to be looking for senior living arrangements for themselves or parents.
consumers.Termlife string	This model ranks consumers based upon their likelihood to buy Term Life insurance.
consumers.Underbankedconsumers string	This model ranks consumers based on their likelihood to be underbanked and have very limited or zero credit.
consumers.Uninsuredforhealth string	This model ranks consumers based upon their likelihood to need add'l insurance.
consumers.Upcomingretirees65Andolder string	This model ranks consumers based upon their likelihood to retire at age 65 and older in the next 12 months.
consumers.Weeklyonlinebankers string	This model ranks consumers based upon their likelihood to bank online at least weekly.
consumers.Wholelife string	This model ranks consumers based upon their likelihood to buy WholeLife insurance.
consumers.Workforsmallcompanyofferinghealthinsurance string	This model ranks consumers based upon their likelihood to be self employed or work for a small co that offers insurance.
owners.401Kowners string	This model ranks consumers based upon their likelihood to have a 401k.
owners.Boatowners string	This model ranks consumers based upon their likelihood to own a boat.
owners.Educationsavingsplanowners string	This model ranks consumers based upon their likelihood to have an ESP.
owners.Multipolicyinsuranceowners string	This model ranks consumers based upon their likelihood to have home and auto policies with same company.
owners.Prepaidcardowners string	This model ranks consumers based upon their likelihood to be aware of and currently use prepaid cards.
owners.Secondhomeowners string	This model ranks consumers based upon their likelihood to have more than on residence.
owners.Timeshareowners string	This model ranks consumers based upon their likelihood to belong to own time shares.
subscribers.Financialhealthnewslettersubscribers string	This model ranks consumers based upon their likelihood to subscribe to newsletters.
purchasers.Impulsepurchasers string	Increased likelihood shoppers will purchase off list items during in-store shopping.
purchasers.Medicareadvantageplanpurchasers string	This model ranks consumers based upon their likelihood to purchase Medicare Advantage Plan.
purchasers.Midmarkettermlifeinsurancepurchasers string	This model ranks consumers based upon their likelihood to purchase Mid market Term Life Insurance.
purchasers.Midmarketwholelifeinsurancepurchasers string	This model ranks consumers based upon their likelihood to purchase whole life insurance.
purchasers.Newnonluxuryvehiclepurchasers string	This model ranks consumers based upon their likelihood to have purchased a new non-luxury vehicle.
purchasers.Organicproductpurchasers string	Seek products made from organic raw materials and organic certification.
purchasers.Petinsurancepurchasers string	This model ranks consumers based upon their likelihood to purchase pet insurance.
purchasers.Acahealthinsurancepurchasers string	This model ranks consumers based upon their likelihood to have purchased health insurance via the ACA.
shoppers.Financialinstitutionshoppers string	This model ranks consumers based upon their likelihood to switch financial institutions in less than one year
users.Brandedretailcreditcardusers string	This model ranks consumers based upon their likelihood to open cards specific to individual retailers or open cards to accrue points for use at retailer.
users.Creditcardbalancetransferusers string	This model ranks consumers based upon their likelihood to use a credit card to pay balances due on another credit card.
users.Debitcardrewardsusers string	This model ranks consumers based upon their likelihood to choose checking account if it earned Debit CardRewards.
users.Debitcarduser string	This model ranks consumers based upon their likelihood to use a debit card.
users.Mobilebankingusers string	This model ranks consumers based upon their likelihood to use GoogleWallet/Apple Pay or Venmo/Abra mobile payment services.
users.Onlinebrokeruser string	This model ranks consumers based upon their likelihood to use an online broker.
users.Rewardscardcashbackuser string	This model ranks consumers based upon their likelihood to use this type of credit card.
users.Rewardscardotheruser string	This model ranks consumers based upon their likelihood to use this type of credit card.