Gain a competitive edge with ForMotiv Agent — the industry’s most advanced behavioral analytics solutions purpose-built for insurance leaders. Uncover risk, optimize performance, and empower your best agents.
Agents drive 83% of P&C premiums and 90% of Life sales. Yet most carriers lack visibility into how they sell. ForMotiv Agent sheds light on agent behavior — the good, the bad, and everything in between — and gives you actionable intelligence you can use in real-time or offline.
Not all agents play fair — and many behaviors fall below the radar of traditional systems.
And while carriers know agent gaming costs them billions annually — most lack the necessary analytics and intelligence to act on it. Whether you rely on independent or exclusive agents, we help Underwriting teams uncover behavioral signals that indicate misrepresentation, manipulation, and leakage.
Rate Evasion Behavior | Detect agents who tend to manipulate key inputs — like removing a driver but not the vehicle, changing the mileage or garaging address, or tweaking the DOB for younger drivers to try to lower the premium.
Window Shopping or Data Harvesting Behavior | Identify agents with high quote volume but unusually low bind rates. These are often agents who price shop across various carriers or agents requesting MVRs, VINs, and other third-party data with the intent to use that information elsewhere.
Patterned Responders | Agents who consistently select the same answers across applications, often favoring low-risk responses. This may suggest form fatigue, training issues, or intentional manipulation of underwriting inputs to secure more favorable rates.
Post-Bind Endorsers | Agents who submit “clean” applications, then quickly rewrite them via endorsements — adding excluded drivers, changing garage locations, or modifying coverage after bind.
Need to investigate a suspicious application or agent? We put powerful behavioral intelligence at your fingertips — instantly.
Search by agent or agency to surface detailed performance data and risk indicators, aggregated across every application session. From quoting volume to binding trends, from browser behavior to location data — ForMotiv gives you full visibility across your distribution channel where you can:
Identify High-Risk & High-Priority Agents | Spot risky activity in real-time or flag sessions for offline triage and investigation.
Search Any Agent or Agency | Instantly access session-level and aggregate metrics, including application starts, quote rates, bind rates, and drop-off points — broken down by state, product, and traffic source.
Monitor Device & Access Intelligence | See the details behind each session — including IP address, device/browser fingerprints, and access location — to detect anomalies or potential fraud.
Recognize Account Takeovers | Uncover signs of unauthorized access, like unexpected login locations, unusual access times, or erratic quoting behavior. Stop credential misuse before it spreads.
Expose Ghost Brokers | Identify suspicious patterns that suggest ghost brokering activity, including agents submitting high volumes of applications with inconsistent customer data, using repeat devices across multiple identities, or exhibiting abnormal quoting behavior across regions and IP addresses. Catch third-party actors exploiting your platform under seemingly valid credentials.
Bypass Eligibility Kickouts | Catch agents who modify disqualifying answers after being kicked out of the app — a tactic known as “kickout/rewalk.” These edits often hide true risk and increase exposure.
Raw production numbers don’t tell the whole story. We help Distribution and Agent Management teams obtain a deeper layer of insight — surfacing the why behind agent performance and helping you and your team identify the agents to reward, support, or re-engage.
Track behavioral and performance metrics across your entire agent population and quickly benchmark performance at both the individual and agency level:
Strong Start Behavior | Monitor new agents showing strong early engagement, quote/bind ratios, or application completeness. Helpful for gauging onboarding success and targeting coaching resources.
High Performance Behavior | Spot up-and-coming agents or agencies showing strong growth trends in quoting and binding activity — great for nurturing, incentivizing, or early targeting for loyalty programs.
Declining Performance Behavior | Identify Agents & Agencies whose quote/bind activity is trending down or flatlining — may be writing business with competitors or disengaging from your platform entirely.
While it’s easy to focus on risky behavior, it’s just as critical to identify friction — the subtle roadblocks slowing agents down, frustrating them, or driving them elsewhere. Improving your Agent Experience (AX) doesn’t just increase satisfaction; it leads to more loyalty, higher conversion rates, and better business outcomes.
Benchmark Agent Experience | Track data like screen hits, time on page, field re-entries, and abandonment points
Optimize Application Time | Identify high-friction questions and slowdowns across your application
Track Impact | Monitor changes over time to measure the real impact of design or workflow updates
ForMotiv allows you to build configurable agent sets to group similar behaviors into actionable groups for interventions. These are just a few examples of how carriers are operationalizing our Agent Solution to root out Risk, Fraud, and Inefficiency.
Agents who exhibit high quote rates but low bind rates, and may be harvesting 3P data to price shop at other carriers.
Agents who bind policies at lower rates than expected compared to their peers, and exhibit high amounts of friction.
Agents who consistently submit the same response or set of responses at unusually high rates.
Agents who repeatedly trigger risk signals related to removing drivers from policies to reduce premiums.
Agents who repeatedly copy VINs from one policy to another in order to receive lower than expected premium quotes.
High risk agents cost carriers money through underpriced premiums, higher claims frequencies, and additional 3rd Party Data calls. ForMotiv models agent behaviors to find hidden signs of repeated application manipulations and misrepresentations.
ForMotiv helps carriers identify friction points in their digital applications to improve agent speed and throughput. Insurers can also understand exactly where and which agents require additional training to get them writing more policies with less risk.
