Life nondisclosure
Accelerated underwriting removed the exam, the paramedic and most of the second looks. ForMotiv reads how each tobacco, alcohol, weight and medical answer is given, so you can keep the fast path fast and send targeted requirements only where the behavior calls for them.
3xmore tobacco downgrades among flagged applicants vs. random holdout
5 per 1,000net-new misrepresentations or declineable risks, on average
5xmore likely to find undisclosed conditions in post-issue audits
Same question · same final answer
In the past 12 months, have you used any tobacco or nicotine products?
Applicant B hovered, selected “Yes” after 9 seconds, then switched to “No”. Both submitted the same answer.
Try it yourself
Pick a question, then answer it however you like: quickly, slowly, or change your mind. ForMotiv measures the timing and the changes, never the reason. You can also replay two sample applicants.
Nothing about what you type or why is stored. Only timing and the sequence of choices.
Simplified for illustration. ForMotiv's nondisclosure signals combine many behaviors across the whole application, including how answers relate to each other and where the applicant returns later. One slow answer never decides anything on its own.
Where life carriers use it
Accelerated programs can expect mortality slippage in the range of 10–15%. ForMotiv works at three points in the life workflow.
Case study · Top 5 U.S. life carrier
The carrier compared applicants flagged by ForMotiv's nondisclosure solution with a random holdout group. ForMotiv found misrepresentation that existing controls and third-party data had missed.
ForMotiv provides significantly more accurate populations to review for misrepresentation and nondisclosure than random holdout and post-issue audit populations.
Download the case study →net-new material misrepresentations or declineable risks per 1,000 applications, on average.
more likely that a ForMotiv-supplied post-issue audit case involves an undisclosed important condition.
pieces of personal information collected. ForMotiv reads behavior, not identity or health data.
The problem
More life applications are completed online with no one asking a follow-up question. Tobacco is the largest and fastest-growing piece.
of life insurance applications contain nondisclosure.
a year in tobacco nondisclosure alone, and rising.
tobacco nondisclosure rate, 2010 to 2021.
UnderwritingMisrepresentation, leakage and nondisclosure across lines.Team page → ForMotiv AgentWhen agents and agencies key the life application.Agents → ClaimsBring application behavior into contestable claims.Claims →
FAQ
What is nondisclosure in life insurance?
Nondisclosure is when an applicant leaves out or misstates material information, such as tobacco use, alcohol, weight or medical history, on a life insurance application.
How does ForMotiv detect nondisclosure?
ForMotiv reads how health and lifestyle questions are answered, such as long pauses, answers changed from Yes to No and revisits to specific questions, and flags applications whose behavior contradicts what was disclosed.
Can ForMotiv support accelerated underwriting?
Yes. Carriers use ForMotiv to keep accelerated and fluidless programs fast for genuine applicants while routing applications with nondisclosure signals for additional evidence.
Does ForMotiv make the underwriting decision?
No. ForMotiv provides signals with plain-language reasons; the carrier's underwriting rules and people make the decision.
Does nondisclosure detection work for agent-submitted life applications?
Yes. ForMotiv reads agent and agency sessions as well as direct applications.
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.
