The Chicken and the Egg Problem — Solved: Variable Pricing for Phone Protection

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When we came up with the concept of risk based variable pricing for phone protection it all made sense, after all, it was what we felt customers wanted, but we faced a paradox from the beginning. 

To build a variable pricing model, you need real-world behavioural data.

But to collect that data, you first need a live variable-pricing program.

That circular dependency has kept the industry in place for years.

Everyone knew personalization and fairness were the future — but nobody had the foundation to make it real.

Until now.

At AmplifyIQ, it took a lot of work, but we built the chicken.

For many years, our team has been collecting, refining, and validating behavioural data from live mobile protection programs — significant user sessions, thousands of claims, and tons of data points. Through this, we developed patented techniques that measure risk and predict device behaviour in real time.

These aren’t lab simulations or pilot studies. This is live, production-scale data gathered through live customers.

From Data to Action

Our Behavioural Intelligence Engine transforms everyday device signals — motion, handling, drop patterns, battery health, and environment — into accurate risk scores. Those scores allow us to assign pricing that truly reflects how users treat their devices.

Now, for the first time, insurers can design programs where low-risk, careful users pay less, and higher-risk users pay a bit more — all backed by continuous data feedback loops.

And because the dataset already exists, the traditional “chicken-and-egg” problem disappears.

Insurers no longer need to start from scratch.

We can provide the dataset, along with the underlying models, so insurers can immediately build and launch their own risk-based pricing programs — under their brand, using our proven technology.

Live, Patented, and Scalable

This isn’t a concept in development — it’s happening now.

Partners are actively deploying variable pricing programs powered by our behavioural data and technology stack.

For insurers, this means:

• Faster speed to market

• Quick creation of new marketing and actuarial models

• Immediate access to real-world risk distributions

• The ability to price more fairly and reduce claims naturally

  
  

For users, it means:

• Transparency

• Fair pricing that reflects how they actually use their devices

• Rewards for good behaviour

  
  

As adoption grows, these same behavioural insights will extend beyond mobile protection as we monetize based on permissioned data. Not only can we make your mobile device protection better against the competition, we open up new doors you’ve never thought possible.

Breaking the Loop for Good

The era of flat, one-size-fits-all protection plans is ending.

Behavioural intelligence makes it possible to design insurance models that evolve with users — learning, adapting, and rewarding over time.

Variable pricing is no longer in a chicken-and-egg conundrum.

We created the chicken — and now the industry can build the rest. 

Fairer pricing. Smarter programs. Patented and live today.

Come talk to us.

See how AmplifyIQ is redefining protection — one prediction at a time.