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Behavioral intelligence for insurance

The intent layer for the insurance enterprise.

ForMotiv understands the intent behind every policyholder interaction, across every product, channel and transaction, and turns it into real-time decisions for fraud, growth, distribution, claims, underwriting and more. Our vision is one persistent behavioral record across every workflow and transaction.

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Majority of the top 10U.S. carriers trust ForMotiv

7+ billioninsurance activities captured monthly

+500 millioninsurance sessions analyzed

Hundreds of millionsof real-time interventions orchestrated

Channels

Transactions

ForMotiv

Enterprise intent layer

  1. Signalsbehavior · device · network
  2. Featuresinsurance-specific
  3. Modelsintent · risk · automation
  4. Recordevery session, tied together

One behavioral record across every workflow and transaction

Decisions across the enterprise

Trusted across the insurance industry

New York Life Lincoln Financial RGA Hannover Re UnderwriteMe GoCompare Guidewire FRISS Sapiens iPipeline Unqork Sureify ExamOne Health Gorilla

It doesn’t matter what channel a customer is engaging with — what matters is their intent. Whether they are filling out a quote on your website, using your Chat interface to update a policy, filing a claim through their mobile app, or having an AI assistant do any of the above for them, the question is the same: what are they actually trying to do, and are they genuine? We’ve spent nearly a decade answering that exact question for insurers, so they can personalize every experience and grow their business, while stopping risk and fraud before it costs them.

BC
Bill Conners CEO, ForMotiv

Agentic SHOPPING IS HERE

Know who, or what, is on the other side of the session, and how to handle it.

AI agents now compare quotes, fill in applications and hold conversations on behalf of people. Some are legitimate shoppers. Some are attacks at scale. Behavior tells them apart, so you can serve one and stop the other. ForMotiv is identifying 93 AI agents, and counting.

Direct channels

Separate real applicants, AI shopping agents and scripted automation on quote and registration flows.

Agent & employee workflows

See when applications are keyed by a person, assisted by AI, or automated end to end.

Conversational interfaces

Bring the same signal into live and AI-powered chat, where servicing and payout requests increasingly happen.

Explore ForMotiv for Agentic AI →
Interaction source · last 4 sessions
SessionTimingClassified as
Quotedirect webHuman
Quotedirect webHuman + AI assist
Quotevia AI shopping agentAI agent
Account loginpolicyholder portalScripted automation

Business outcomes

Grow faster without taking on more risk.

Removing friction lifts conversion, and it opens the door to fraud and misrepresentation. ForMotiv gives fraud, growth and underwriting teams the same behavioral signal, so they can pursue their goals together.

Fraud & Security

Stop fraud while the session is still open.

Identify bots, fraud rings, ghost brokers, synthetic identities and account takeover from how sessions behave and what they share. Step up, block or refer to SIU, with a keystroke-level Forensics record for investigators.

Bots & automated quotingGhost brokers & fraud ringsAccount takeoverClaims & FNOL fraud

Explore fraud solutions →
One session, four high-risk signals4 of 4 fired
Registration session · read in real time
BehaviorDeviceNetworkLinked sessions
  • 01
    BehaviorHigh-risk behavior in how the form was completed
    Critical
  • 02
    DeviceDevice characteristics associated with fraud
    High
  • 03
    NetworkHigh-risk network and location
    High
  • 04
    Linked sessionsTied to other applications in the last 24 hours
    Critical
DecisionBlock the session and refer to SIU
Agentic AI

Tell people, AI agents and automation apart.

AI agents now compare quotes, fill in applications and hold conversations on behalf of people. Serve the legitimate ones with no added friction, return a saved quote instead of rerating, and stop automated attacks while the session is still open.

Bots & automated quotingAgentic AI & synthetic identityUnderstand Agentic Intent

Explore agentic AI solutions →
Four AI sessions, four pathsIllustrative
  • 01
    Automated attackNon-human cadence, many identities from one device
    Block
  • 02
    Answer cyclingMileage, drivers and ZIP varied across quick reruns
    Verify
  • 03
    Shopping agentAI agent rerunning a quote with no answer changes
    Saved quote
  • 04
    Policyholder with AIHuman session, AI-drafted answers pasted in
    Serve
ResultFriction only where intent warrants it
Growth & Conversion

Dynamic experiences built on intent data.

Score purchase intent while the applicant is still in the flow. Offer a bindable rate to the highest-intent shoppers, nudge the middle toward conversion, and monetize the leads that were never going to buy.

Lead routing & monetizationDrop-off rescueThird-party data cost control

Explore growth solutions →
Likelihood to bind by purchase intent

Example interventions

Monetize the leadLowest intent · bottom 10%
Conversion nudgeMid intent
Offer bindable rate at RC1Highest intent · top 10%
Underwriting Risk

Plug leakage in real time.

See which rating answers were changed, when, and after what. Catch premium leakage, quote manipulation, nondisclosure and early-term loss patterns while you can still verify, re-ask or route to underwriting.

Premium leakage & rate evasionQuote manipulationLife nondisclosureEarly-term losses

Explore underwriting solutions →
Rating answers, first vs. submitted
First answerSubmitted
Drivers2→1
Violations2 tickets→None
Annual mileage15,000→5,000
Garaging ZIP19104→19103
Quoted premium$1,287$895.79−30%

The same intelligence reaches every team.

Distribution

Benchmark agents and agencies, spot gaming and coach to your best producers.

Learn more →
Claims

Bring application and account behavior into FNOL before you pay.

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Digital & CX

See where good applicants struggle, and why they leave.

Learn more →
Data science

Hundreds of behavioral features via real-time API for your own models.

Learn more →

Enterprise Intent

Every decision, made with the full story.

Most carriers judge each session on its own. ForMotiv ties a policyholder’s sessions across products, channels and transactions into one persistent behavioral record, so the quote, the registration, the policy change, the agent call and, eventually, the claim are all seen in context.

5
Behavioral recordPolicyholder · 2 products · 4 channels
Session 5 of 5 · Oct

Claim filed online

Read in context

The blind spot in application data

Same answers, different risk.

Carriers see the final, polished submission, not how the applicant got there. Here is one auto quote session, as your systems see it and as ForMotiv sees it.

Direct web · auto quote
What you seeQuote #1287 · clean
  1. Quote started

    Applicant begins an auto quote online.

  2. 17 minutes of answers and changes happen here. Only the final values reach your systems.

  3. Quote returned

    $895.79 for six months.

  4. Purchase

    Continues to payment and e-signature.

Drivers
1
Vehicles
2
Violations
None
Mileage
5,000
OutcomeBinds as submitted at $895.79
What ForMotiv seesSame session
  1. Start quote

    Session established; device and network recorded.

  2. Undisclosed driver

    Added a second driver, then removed them.

    Manipulation
  3. Violation scrub

    Entered two tickets, then deleted them.

    Integrity risk
  4. First quote shown

    $1,287 for six months.

  5. Mileage trial

    Changed 15,000 to 5,000 miles a year after seeing the price.

    Rate evasion
  6. Address shift

    Changed the garaging ZIP to a lower-risk zone.

    Location gaming
  7. Submission

    Final quote of $895.79 requested.

Recommended interventionFlag quote for manual review

Behavioral patterns indicate rating-answer manipulation and rate-evasion intent.

Lines of business

Built for every line you write.

Behavioral features tuned to each line’s rating questions, disclosures and claims patterns.

Personal lines

Auto

Homeowners

Renters

Condo

Umbrella

Motorcycle & powersports

RV

Jewelry

Pet

Life & benefits

Term life

Permanent life

Annuities

Disability

Group benefits

Supplemental health

Commercial & specialty

Small commercial & BOP

Commercial auto

Workers’ comp

Specialty & E&S

Travel

Don’t see your line?

If customers quote, apply, service or claim digitally, ForMotiv can read the intent behind it.

Talk to our team

From behaviors to decisions

Behavior in. Decisions out.

ForMotiv runs inside the digital journeys you already have. It turns raw interaction data into features, scores and recommendations your existing systems can act on.

01

Capture

A lightweight tag observes how each field is completed, on every device.

behavioral cadence, pauses, edits, paste, navigation and hundreds more
device browser, OS, automation markers
network ISP type, location consistency
02

Understand

Raw events become insurance-specific behavioral features.

familiarity with identity details

time spent on prior-loss questions

edits_after_quote · rating fields

03

Predict

Rules and models score intent, risk and automation for each session.

fraud and misrepresentation indicators

purchase-intent score

human, assisted or automated

04

Act

Your systems receive the result in real time and choose the path.

fast-track or step up verification

route to SIU, an agent or underwriting

skip or trigger paid data calls

Interaction01 · 02Signals captured03Intent read04Friction path04Decision
Application startDirect web · life
Suspected ghost broker
High fraud risk
Maximum
Block and reviewStop the session and flag for SIU
Policy changeAccount servicing
Youthful driver removed, garaging address changed
High underwriting risk
Added
Add frictionConfirmatory message to applicant
Quote submittedDirect web · auto
Comparison shopping, repeated price checks, unfocused navigation
Low conversion intent
Low
MonetizationShow ad display to other carriers

Intent data, put to work across the enterprise.

The same intent layer that scores a quote also steers servicing, claims and fraud decisions. Friction goes only where intent warrants it, so good customers move faster everywhere else.

Why ForMotiv

Nearly a decade of insurance expertise.

ForMotiv deeply understands the unique nature of insurance workflows, transactions, regulations and more. We turn how people complete insurance journeys into features and solutions for the entire enterprise.

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Data Proprietary behavioral intelligence

First-party behavioral data captured in your own journeys, combined with device and network intelligence. Signals that application data, credit and prefill don’t contain.

Domain Insurance-specific

Features built around rating questions, disclosures, quote cycles and claims. Across personal auto, home and renters, specialty, life and small commercial.

Speed Real-time decisioning

Scores and features return while the applicant or claimant is still in session, so you can intervene before the outcome is final.

Integration Lightweight to deploy

A JavaScript tag in your web forms and chat, results via real-time API. Integration in weeks, not quarters.

Outputs Glass-box and flexible

Use ForMotiv’s scores and rules, or take hundreds of refined behavioral features into your own models. Every score comes with the reasons behind it.

Scale Enterprise-wide

One platform from quote through claims, across direct, agent and chat channels, with a profile that improves as you deploy more of it.

Customer results

What carriers see in production.

In their words: carriers on third-party data savings, account takeover, agentic AI, agent oversight and what it’s like to work with ForMotiv.

Top-10 U.S. P&C carrier · Auto · Third-party data cost control

“We were spending many millions on MVRs, credit reports, etc. because we were running them on every quote. ForMotiv not only helped us figure out who to run reports on, but when. Data spend dropped seven-figures with no hit to conversion, and the team had us live on our quote flow in weeks.”

VP, Pricing & Data Strategy
Top-10 U.S. P&C carrier

FAQ

Frequently asked questions

What is ForMotiv?

ForMotiv is a behavioral data and analytics platform for insurance carriers. It captures how applicants, policyholders, agents and claimants interact with digital forms, chat and agent portals, and turns that behavior into real-time signals about intent, risk and fraud across quoting, servicing and claims.

What is behavioral data in insurance?

Behavioral data describes how someone fills in an application or claim, not just what they submit: pauses, edits, pasted answers, navigation, device and network context. It shows intent and risk that the final answers hide, such as a driver removed after a price appears.

How does ForMotiv integrate with a carrier's systems?

ForMotiv is added to each digital workflow a carrier wants to cover, such as the application, policy administration or claims, with a lightweight integration. The behavioral data is the same across every workflow, and results come back in milliseconds by real-time API, with batch delivery for analytics and modeling.

What does ForMotiv return in real time?

For each session ForMotiv returns the signals that fired, with plain-language reasons, plus model outputs such as purchase intent. Carriers use those results to fast-track good customers, add verification, route to a person or refer for review while the session is still open.

Which teams at an insurance carrier use ForMotiv?

Fraud and SIU, growth and marketing, distribution, claims, digital and CX, data science and underwriting teams all use ForMotiv. Each team works from the same behavioral record of the customer, from quote to claim.

Does ForMotiv work with agents, call centers and chat?

Yes. ForMotiv covers direct digital journeys, agent and agency portals, call center workflows, live chat and AI agents acting on a customer's behalf, so carriers see behavior consistently across every channel.

Your applications already know more than they say.

Bring one journey and one goal. We’ll show you the behavioral signals behind it, the decisions they can drive, and how ForMotiv fits into your stack.

Book a demo Review the platform
01
Pick the use case

Leakage, fraud, conversion or agent oversight, on the line and channel you care about most.

02
See it on a real flow

A walkthrough of the signals, features and scores for journeys like yours.

03
Map the integration

Where the tag goes, what the API returns and which systems act on it.