Now in beta, the SDK gives P&C carriers real-time insight into intent, misrepresentation, and fraud inside chat-based quote, service, and claims assistants, connected to the same behavioral view ForMotiv already delivers across web and mobile.
PHILADELPHIA, Oct. 22, 2026 — ForMotiv, the leading behavioral data and analytics platform for the insurance industry, today announced the beta launch of the ForMotiv Agentic Chat SDK. The SDK brings ForMotiv’s behavioral intelligence into chat-based quote, policy service, and claims assistants, giving insurance carriers a real-time read on purchase intent, misrepresentation risk, and fraud in a channel that has so far sat outside the view of most underwriting, fraud, and analytics teams.
With this launch, ForMotiv extends a single behavioral layer across every major digital touchpoint a carrier operates (web applications, mobile apps, agent portals, and now chat) and follows the policyholder from first quote through claim.
Insurance is moving into the conversation
Quoting, servicing, and claims no longer happen only in forms. Carriers are rolling out website chat, quote assistants, service bots, and increasingly agentic AI interfaces that guide applicants and policyholders through an entire transaction, and in some cases, complete that transaction on the customer’s behalf.
That shift opens a gap. The behavioral signals carriers depend on to separate genuine customers from risky ones, such as how someone answers, where they hesitate, and what they go back and change, have historically been captured in forms. As more of the transaction moves into conversation, carriers that lack the same visibility in chat risk growing a channel they can’t fully underwrite or protect.
“It doesn’t matter what channel a customer is engaging with – what matters is their intent,” said Bill Conners, CEO of ForMotiv. “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.”
How the Agentic Chat SDK works
The Chat SDK follows the same drop-in deployment model as ForMotiv’s existing form library, applied to a new channel. It operates in three layers:
- Collect: A lightweight JavaScript integration sits within the carrier’s existing chat interface and captures behavioral signals from both sides of the conversation.
- Alert: Real-time alerts flag sessions in the browser as they happen, so high-intent, high-risk, or suspicious interactions surface immediately.
- Act: Intent data returns to the page in real time, allowing the chat experience and downstream workflows, such as routing, verification steps, or personalized offers, to adapt while the customer is still engaged.
One view of the policyholder, from quote to claim
Chat behavior, like all behavior ForMotiv captures, persists across the policy lifecycle, and is available within the core systems carriers use for quoting, policy administration, and claims. The result is one unified view of each customer, regardless of which channel they used to interact:
- Quote and bind: Measure intent, misrepresentation, and fraud during chat-based quote and bind on both consumer and agent portals.
- Policy administration: Understand behavior around coverage changes, communication preferences, payment information, and other service transactions.
- Claims: See how a loss is reported, from first notice of loss (FNOL) through the claims process.
Availability
The ForMotiv Agentic Chat SDK is available now in beta for carriers deploying chat-based quote, service, and claims assistants. Carriers interested in joining the beta program can contact ForMotiv at mmayock@formotiv.com.
About ForMotiv
ForMotiv is the behavioral data and analytics platform for the insurance industry. Through a lightweight, embedded integration, ForMotiv captures behavioral signals across the policyholder lifecycle, including quote and application, policy administration, FNOL, and claims, across web, mobile, agent, and chat channels. Leading carriers use ForMotiv to understand customer intent, personalize digital experiences, detect fraud and misrepresentation, and grow profitably. ForMotiv is based in Philadelphia. Learn more at formotiv.com.
Media Contact
Woody Klemmer
Head of Growth, ForMotiv
wklemmer@formotiv.com
