Dear Customers, Partners, and Friends,
As we reflect on 2025, I would like to begin with a simple thank you. The trust you place in ForMotiv, the feedback you provide, and the standards you hold us to are what drive us forward.
Each year, we try to step back and look at the broader insurance landscape, what actually happened, and what it means for the year ahead. Some predictions land. Most do not. That is the nature of making macro predictions and building in a complex, highly regulated industry. What matters most is that we keep learning, adapting, and delivering real value.
One thing that became clearer than ever in 2025 is that insurance carriers are no longer looking for point solutions. They are looking for platforms. They want fewer vendors, deeper partnerships, and tools that work across distribution channels, transactions, products, and workflows.
That reality has shaped how we think about the future of ForMotiv.
Today, when we begin working with a new carrier, it usually starts in a very specific place. One distribution channel, direct or agent. One transaction, typically a policy purchase. One product, such as auto, home, or life. And one ForMotiv Solution, whether that is Fraud, Underwriting, or Growth.
That is intentional. Focus matters.
But that is not where it ends. While at our company onsite last January, we coined 2025 “The Year of the Agent.” I’m proud to say we made great strides on that front, working closely with our customers to launch new solutions, resulting in, for the first time, more Agent business sold than Direct. We wrote more on that here.
It would be an easier path for us to double down on our existing solutions. Instead, our long-term opportunity lies well beyond the Direct and Agent channels.
That’s why we’re coining this year “The Year of Enterprise Intent.”
It’s no secret that customer journeys are not linear; they span direct, agent, endorsements, servicing, claims, and beyond. And we are actively expanding along every one of those dimensions. Shoppers go from direct to agent and back again before turning into customers. Customers go from purchase to servicing to claims. They buy one product, and then another, and then another. Carriers need an omnichannel view, from start to finish, to start again, of every user journey. What started as a single solution offering is evolving into a broader Omni-Channel Behavioral Intelligence layer that supports multiple teams and departments across the enterprise.
There were several developments in 2025 with several of our largest customers that made this path forward very real for us.
A good example of this is one of the top carriers we work with today. We began with our Growth and Fraud solutions in their direct channel, focused on Auto, specifically within the policy purchasing experience. Since then, our partnership has continued to expand. We’ve launched on multiple new distribution channels, including Agent and Endorsements. We’ve gone live with multiple new use cases across Conversion, Underwriting Risk, and Fraud. We’ve built relationships with new teams, most recently with Data Science, who are now leveraging our Behavioral Data within their own proprietary real-time predictive models. And, finally, they’re getting a single view of every user interaction a customer has throughout these channels.
They are one of a few customers using our omni-channel capabilities to track applicants who started on their website app and later moved into their agency channel, allowing us to stitch the full journey together for the first time. This gives the Agent and/or Call Center insights into what the prospect did during the Quoting process, where they might have been confused or changed information, all while highlighting potential hidden risks along the way.
We are also actively expanding our solution capabilities for servicing transactions to help reduce customer friction when a policyholder tries to make a payment or policy change by providing real-time insights and context.
These are not abstract ideas. They are real deployments solving real problems.
Looking further ahead, our ambition is straightforward. We want ForMotiv to become the enterprise behavioral analytics platform for insurance. One that spans every major transaction, every distribution channel, and every core product line.
That is a big goal.
We tell our team often that we are still in the first inning. There is almost infinite room to run and problems to solve. But nothing about that future is guaranteed. We have to earn it.
We earn it by staying focused. By shipping reliable products. By showing up for our customers. By being honest when things break. By fixing them quickly. By being the vendor our clients trust when things are hard, not just when things are easy.
The greatest compliment our team receives is, “You are the best vendor we work with.” We hear it often, and we never want to take it for granted. If we earn that, the rest will take care of itself.
Thank you for being on this journey with us. We are grateful for the opportunity to keep building, learning, and improving alongside you.
Warm regards,
Bill Conners
CEO
