Enterprise Intent
ForMotiv ties every quote, login, policy change, agent session, chat and claim into one persistent behavioral record, so each team decides with the whole story instead of one session at a time.
Quote to claimOne record across the policy lifecycle
Every channelWeb, mobile, agent portals and chat
Every teamFraud, growth, claims, distribution and underwriting
Channels
Transactions
ForMotiv
Enterprise intent layer
One behavioral record across every workflow and transaction
Decisions across the enterprise
Unify siloed data
SIU, claims, servicing and underwriting each hold part of the policyholder’s story in separate systems. Enterprise Intent unifies them into one behavioral record that every department reads from. Here is one auto policyholder, both ways.
Agent binds an auto policy for one driver at standard rates.
Underwriting · no flagEach team sees its own transaction. None of them sees the others.
A youthful driver is added through self-service.
Servicing · routine endorsementClaim filed on the mobile app.
Claims · standard handlingOutcomeClaim paid as filed
High-risk behavior on coverage, then the quote is sent to an agent.
Agent session joins the same record as the online quote.
The household’s youthful driver is left off at bind.
Undisclosed operatorAdded eight days after bind, once the policy is in force.
Post-bind changeFiled 2 days after the driver was added.
Early-term lossFour workflows, one record: the driver left off at purchase was added after bind, and a claim followed two days later.
How the profile builds
A quote gives context to the registration, the policy change, the agent call and, eventually, the claim. Select a session to see what the profile knew at that moment.
In the product
SIU, claims and underwriting open the same record: every event, channel and alert on the policy, in order, with the behavior behind each one.
Every event on the policy, tracked across direct and agent channels.
Signals that recur across stages, like a youthful driver seen in purchase and servicing.
Each stage side by side, with who acted and through which channel.
Filter by stage to see exactly what changed, when, and by whom.
For every team
Each team keeps its own decisions and systems. Enterprise Intent gives all of them the same behavioral history to decide with.
See high-risk behavior on a claim, payout change or login, with everything that came before it.
See high-intent households across products and channels.
Open FNOL with application and servicing behavior already attached.
See where agent-keyed applications differ from what the customer entered online.
Give call-center and chat teams the context of what the customer just did online.
See which answers changed between the online quote, the agent session and later policy changes.
How it works
Enterprise Intent runs on the same lightweight tag and real-time API as the rest of ForMotiv. Each new deployment adds to the same record instead of starting over.
Behavior is captured in every session, on web, mobile, agent portals and chat.
Sessions and the devices behind them are tied to the policy, so every workflow and transaction lands on one record.
Each session is read in real time, with the rest of the record there for context.
Scores and the reasons behind them return in real time to the systems that run quoting, policy and claims.
FAQ
What is Enterprise Intent?
Enterprise Intent is ForMotiv's approach to giving every department one persistent behavioral record of a customer's sessions, from quote to claim to SIU. Instead of each team seeing only its own slice, fraud, growth, claims and underwriting all work from the same behavioral history.
Why does a single behavioral record matter across departments?
Risk that starts at the quote often shows up later in servicing or claims. When the behavior from the original application is available at first notice of loss or a payout change, claims and SIU teams can see patterns no single department would catch on its own.
Does Enterprise Intent replace existing systems?
No. ForMotiv adds behavioral data and signals to the policy, claims and analytics systems a carrier already runs. Results are delivered by real-time API and batch so they can feed existing rules, models and workflows.
Which channels feed Enterprise Intent?
Direct digital sessions, agent and agency portals, call center workflows and chat, including AI agents, all contribute to the same behavioral record.
How is customer privacy handled?
ForMotiv is designed to capture how forms are filled in rather than the personal information typed into them. Carriers control which workflows are covered and how results are used.
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.
