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The #1 Driver Safety Device Is Your Brain Posit Science and Allstate: Using Brain-Plasticity-Based Cognitive Training Prog...
Who Is Allstate? <ul><li>Allstate was founded in 1931 as part of Sears, Roebuck & Co.  </li></ul><ul><li>Allstate became a...
Allstate Innovations Through Time <ul><li>1940 Allstate is the first in the industry to tailor rates by age, mileage and u...
Who Is Posit Science? <ul><li>Academic Roots:  Founded by Dr. Michael Merzenich (UCSF, National Academy of Science) </li><...
The Useful Field of View
Measuring The Useful Field of View
Measuring The Useful Field of View
Measuring The Useful Field of View
Improving the Useful Field of View p < 0.05 / 51% risk reduction Cumulative Risk of Automobile Crash Results – At Fault Cr...
Why Are We Working Together? Teen Driver Safety Brain-Plasticity-Based  Cognitive Training Bumper Safety Air Bags
A First Program in Pennsylvania <ul><li>The program works in academic clinical trials </li></ul><ul><ul><li>Carefully sele...
We Can Measure The Reduction in Crash Risk Risk Category 2x relative risk 1x relative risk
We Can Measure The Reduction in Crash Risk Risk Category 2x relative risk 1x relative risk
People Notice The Difference After Training “ With just a few hours of training with Insight I feel different!  I feel lik...
<ul><li>Thanks to everyone at Allstate and Posit Science whose hard work and dedication to improving driver safety has mad...
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The Allstate-Posit Science Partnership: Cognitive Training for Safer Driving

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Session by Tom Warden, Allstate, and Henry Mahncke, Posit Science.

Description: Evidence-based cognitive training programs have been available in retirement communities for several years. Now, they are reaching a younger population including Boomers through innovative partnerships, like insurers.

In October 2008 auto insurance company Allstate and brain fitness software developer Posit Science announced a research collaboration that could lead to "potentially the next big breakthrough in automobile safety". The purpose of this session is to review novel ways of getting the science of cognitive training into the real world where it can help people. Representatives from Allstate and Posit Science will discuss why these partnerships work for insurers, developers, and end users. They will also provide a thorough review of the evaluation process a major partner goes through when selecting a cognitive training company.

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The Allstate-Posit Science Partnership: Cognitive Training for Safer Driving

  1. 1. The #1 Driver Safety Device Is Your Brain Posit Science and Allstate: Using Brain-Plasticity-Based Cognitive Training Programs to Reduce Automobile Crashes June 2009 Tom Warden Assistant Vice President, Allstate Research and Planning Center: Allstate Henry W. Mahncke Vice President, Research & Outcomes: Posit Science
  2. 2. Who Is Allstate? <ul><li>Allstate was founded in 1931 as part of Sears, Roebuck & Co. </li></ul><ul><li>Allstate became a publicly traded company in 1993. At the time, its initial public offering was the largest in U.S. history. </li></ul><ul><li>The Allstate Corporation (NYSE: ALL) is now the nation's largest publicly held personal lines insurer. </li></ul><ul><li>It is widely known through the &quot;You're In Good Hands With Allstate®&quot; slogan. </li></ul><ul><li>Allstate provides insurance products to more than 17 million households. </li></ul><ul><li>Allstate Financial Group provides life and supplemental accident and health insurance, annuity, banking and retirement products designed for individual, institutional and worksite customers that are distributed through Allstate agencies, independent agencies, financial institutions and broker-dealers. </li></ul><ul><li>Allstate, based in Northbrook, Illinois, is one of the nation's leading insurers in urban areas and has supported auto and highway safety reforms, including seat belts, air bags, and teen driver education. </li></ul><ul><li>The company has won numerous awards over the years for its philanthropic, employee volunteerism and diversity efforts. </li></ul><ul><li>Allstate has approximately 37,000 employees and 14,800 Agents and Financial Specialists </li></ul>
  3. 3.
  4. 4. Allstate Innovations Through Time <ul><li>1940 Allstate is the first in the industry to tailor rates by age, mileage and use of car. The rest of the industry soon follows suit </li></ul><ul><li>1949 Allstate creates the “Illustrator Policy.” It uses simpler language and illustrations so customers can more easily understand policy language and coverage </li></ul><ul><li>1956 Allstate opens its first drive-in claim office, revolutionizing the way auto claims are handled </li></ul><ul><li>1965 Allstate establishes a catastrophe plan that brings large numbers of claim specialists into a catastrophe area immediately following a disaster. </li></ul><ul><li>1966 Allstate becomes the first major insurance company to offer premium discounts to owners of small cars. Allstate’s Good Driver Plan is introduced to offer the lowest rate possible to good drivers </li></ul><ul><li>1974 Allstate forms the Allstate Research and Planning Center in Menlo Park </li></ul><ul><li>1977 Allstate begins working with the government and automakers on passenger safety including seatbelts and airbags </li></ul><ul><li>1986 Allstate introduces the Neighborhood Office Agent to make agents more accessible to customers </li></ul><ul><li>2006 Allstate launches Your Choice Auto Insurance breaking the mold of products traditionally offered by many insurers with more choices and innovative features </li></ul><ul><li>2008 Allstate, through its research center, initiates conversations with PositScience – the leader in clinically-proven brain fitness software </li></ul><ul><li>And the rest is history………. </li></ul>
  5. 5. Who Is Posit Science? <ul><li>Academic Roots: Founded by Dr. Michael Merzenich (UCSF, National Academy of Science) </li></ul><ul><li>Global Science Team: Over 50 science collaborators </li></ul><ul><li>Proven, Unique, and Trusted Science: 30+ peer-reviewed published papers, 60+ patents, 3 NIH grants </li></ul><ul><li>Engaging and Challenging Cognitive Training: Serious science wrapped in fun games; great word-of-mouth </li></ul><ul><li>Leading Partners: Allstate, Penn Treaty, Capitol Health, Easter Seals, PBS, NPR </li></ul><ul><li>We bring science out of the lab and into the world </li></ul><ul><li>We build, test, and sell cognitive training programs that work </li></ul>
  6. 6. The Useful Field of View
  7. 7. Measuring The Useful Field of View
  8. 8. Measuring The Useful Field of View
  9. 9. Measuring The Useful Field of View
  10. 10. Improving the Useful Field of View p < 0.05 / 51% risk reduction Cumulative Risk of Automobile Crash Results – At Fault Crash Incidence Ball et. al. Transportation Research Board presentation (2009) Vance et. al. Rehabilitation Psychology (2007) Results – UFOV Improvement
  11. 11. Why Are We Working Together? Teen Driver Safety Brain-Plasticity-Based Cognitive Training Bumper Safety Air Bags
  12. 12. A First Program in Pennsylvania <ul><li>The program works in academic clinical trials </li></ul><ul><ul><li>Carefully selected, highly motivated participants </li></ul></ul><ul><ul><li>Close clinical supervision </li></ul></ul><ul><ul><li>Classroom training and support </li></ul></ul><ul><li>What about the real world? </li></ul><ul><ul><li>Two direct mail campaigns to 125,000 Allstate customers in Pennsylvania (age 55+) </li></ul></ul><ul><ul><li>Free offer of training program </li></ul></ul><ul><ul><li>In-home training, no supervision </li></ul></ul><ul><ul><li>$25 gas card for completion of 10 hours of training </li></ul></ul><ul><li>>8% take rate </li></ul><ul><ul><li>Extremely high for direct mail response rate </li></ul></ul><ul><ul><li>Most take within two weeks: very high interest </li></ul></ul><ul><li>Average age 60, 54% female </li></ul><ul><li>>25% complete 10+ hours of training </li></ul><ul><ul><li>Comparable to gyms </li></ul></ul><ul><li>Women, older individuals train more </li></ul><ul><li>Measurable lift in loyalty index components </li></ul>
  13. 13. We Can Measure The Reduction in Crash Risk Risk Category 2x relative risk 1x relative risk
  14. 14. We Can Measure The Reduction in Crash Risk Risk Category 2x relative risk 1x relative risk
  15. 15. People Notice The Difference After Training “ With just a few hours of training with Insight I feel different! I feel like my brain is awakened and I feel sharper than I’ve felt in a long time! I had a jogger run out in front of me yesterday while driving to the grocery store - I’m sure I stopped faster than I normally would have. My reaction time has changed already. My wife commented that she didn’t even see the jogger, and said my fast reaction time was due to to the InSight program .” Allstate user “ You may have saved my life today. I have been using the Insight program for several months and have had a major improvement since I started. Today I was stopped at a red light. This is a dangerous intersection because I am sitting on a slight hill that restricts my ability to see all the traffic until I move forward. I noticed a large van slowing and approaching from my left and he was going to turn on to the road I was on. Because he was slowing, he was blocking my ability to see traffic from the left. I had the green light for about 3 seconds before I saw a car running the red light from the left. I was scanning for traffic and I was at that moment looking at a car coming at me from the other side of the highway when I spotted the car on my left. I estimate he was doing 55 and I was less than one second from being broad sided by him. I reacted quickly and stopped. The more I think about the very short time I had to see and react to this threat makes me confident that doing the exercises has paid off. I am thankful to you for the program and for Allstate insurance for letting me be part of this program.” Allstate User
  16. 16. <ul><li>Thanks to everyone at Allstate and Posit Science whose hard work and dedication to improving driver safety has made this work possible </li></ul>

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