Fraud & SIU
ForMotiv reads behavior, device and network signals in every session across quote, registration, servicing and claims. Stop bots, ghost brokers, fraud rings, synthetic identities, account takeovers, and more in real time, or investigate with a keystroke-level record of what happened after the fact.
In the sessionstep up, hold, block or refer
Quote to claimone behavioral record per customer
Keystroke-levelevidence your SIU can use
Popular fraud use cases
The same continuous behavioral analysis covers every one of these, across quote, login, servicing and claims.
AI agents and bots acting with high-risk intent, stopped at scale and separated from the legitimate agents working for your customers.
Agentic AI detection → Account takeoverTaken-over accounts caught before a sensitive change, a policy change or a payout.
Registration & log in → Fraud rings & ghost brokersApplications that look unrelated, linked into one case so SIU sees the whole operation.
See fraud rings → Claims fraudFraudulent claims flagged at intake, with the full behavioral record behind them for SIU.
Claims →Ghost brokers & fraud rings
Each quote from a ghost broker or fraud ring looks ordinary on its own: different names, different addresses, clean data. As sessions come in, ForMotiv recognizes similar behavioral patterns and links them together, so SIU gets one case instead of thirty unrelated files.
Across the lifecycle
The same operator who games a quote may come back to take over an account or file a claim. ForMotiv keeps one behavioral record from first visit to payout, so each stage can see what happened at the last one.
Bots and automated quoting
Prefill harvesting
Ghost brokers and rate evasion
Synthetic identities
Credential stuffing
Fake or duplicate accounts
Accounts opened on compromised identities
Account takeover
Contact and payout changes
Post-bind endorsements
Edited or exaggerated losses
Takeover before payout
Early-term claims tied to buying behavior
Act, then investigate
Signals reach your systems while the customer is still in the session, each with plain-language reasons. Fraud and SIU teams then work the same sessions offline in the ForMotiv Console.
AllowGenuine behavior. No added friction for the customer.
Step upAsk for verification a real customer passes in seconds: one-time code, document check, call-back.
HoldLet the session finish but pause bind, the account change or the payout for review.
BlockStop automated traffic and harvesting before it reaches your rating engine or prefill vendors.
Refer to SIURoute the session, and every session linked to it, as a single case.
4 high-risk signals fired: device time zone differs from IP location · hosting network behind a residential proxy · device linked to 4 policyholders in 24 hours · machine-even keystroke timing.
Session details: every signal that fired on the session, with the behavior behind it.
FAQ
How does ForMotiv detect insurance fraud?
ForMotiv reads behavior, device and network signals in every session across quote, registration, servicing and claims, and assesses the whole session together. That lets carriers stop bots, ghost brokers, fraud rings, synthetic identities and account takeover in real time, or investigate after the fact.
What is a fraud ring in insurance?
A fraud ring is a group, or a single operator, submitting many applications or claims that look unrelated, using different names and addresses. ForMotiv recognizes similar behavioral patterns across those sessions and links them together, so SIU can work them as one case.
What is a ghost broker?
A ghost broker sells fake or fraudulently obtained insurance policies, often by misrepresenting details to a carrier on behalf of unsuspecting customers. Their sessions tend to be fast on someone else's details and slow, edited and repeated on rating answers.
Is one suspicious signal enough to flag fraud?
No. A VPN, a new phone or a trip abroad is often innocent on its own. ForMotiv weighs behavioral, device and network data together, so genuine customers are not punished for one quirk.
How does ForMotiv help SIU investigations?
SIU teams get a keystroke-level record of what happened in each session and can see linked sessions across applications and claims in the ForMotiv Console.
Can ForMotiv identify AI agents imitating people?
Yes. ForMotiv is identifying 93 AI agents and counting, keeps profiles of how each behaves and refines them as those agents change, so agents are identified even when they try to look human.
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.
Leakage, fraud, conversion or agent oversight, on the line and channel you care about most.
A walkthrough of the signals, features and scores for journeys like yours.
Where the tag goes, what the API returns and which systems act on it.
