Agentic AI
AI agents now shop, quote, apply and service policies on behalf of people. Some are your best customers. Some rerun quotes every hour, game the application or attack at scale. ForMotiv reads agentic intent, so you can serve one and stop the other.
WhoHuman, AI-assisted, AI agent or automation, with 93 AI agents identified and counting
WhyGenuine shopping, rate gaming, harvesting or fraud
What nextServe, shape or stop, in session
Agentic traffic · todayLive
SessionSourceIntent · action
Illustrative sessionsDetect → Determine → Act
A new vector
A person compares a few quotes and buys. An agent can rerun the same application every day, test every answer, and trigger a paid data call each time. Here is one household’s AI shopping agent over a single week.
Quote runs per day · one household7 days
MonTueWedThuFriSatSun
42quotes run by the same agent
9answer combinations tested for a lower rate
$100+estimated 3PD costs
How it works
Knowing that an AI is involved isn’t enough. What matters is what it’s trying to do, and how often. ForMotiv answers both in session.
Who, or what, is on the other side of the session.
What it’s trying to do, read across sessions.
genuine shopping and comparison
repeat requotes and answer cycling to game the rate
prefill and rate harvesting
synthetic identities, account takeover and ghost broking
Your systems choose the path in real time.
serve genuine users with no added friction
return a saved quote and skip paid data calls
lock answers or step up verification
block and refer to SIU
Experience and protection
Blocking every AI agent turns away real customers. Ignoring them hands your rating engine to anyone with a script. ForMotiv places each session on the right path.
People using personal AI for themselves get the same fast experience as anyone else.
Policyholder with an AI assistantDrafts answers or compares options, then buys
AI shopping agentIdentifies itself and quotes once for a real household
Legitimate but costly behavior gets a cheaper, steadier path.
Daily or weekly requotesReturn the saved quote instead of rerating
Answer cyclingLock answers and verify before a new rate
Paid data on every runSkip repeat third-party data calls
Automation used for fraud is stopped while the session is open.
Prefill and rate harvestingScraping identity data or your rate tables
Synthetic identities and ATOFake applicants and hijacked accounts
Ghost broking and bot quotingPolicies sold or quoted at scale
Where it applies
The same detection runs wherever ForMotiv is deployed, and what it finds joins the same record from one channel to the next.
Bots & automated quotingPrefill harvestingSynthetic identityAccount takeoverGhost brokersQuote manipulation
Tell real applicants, AI shopping agents and scripted automation apart on quote flows.
Stop automated account creation and credential stuffing on policyholder portals.
Catch agents changing payout or contact details on accounts they don’t belong to.
See when a claim is filed by a person, with AI help, or by automation.
Read steering and prompt-injection attempts inside conversations. Chat Solution →
FAQ
What is agentic AI in insurance?
Agentic AI refers to AI agents that shop, quote and transact on a person's behalf, filling in applications, comparing prices and even buying policies. Carriers now need to know when an agent is in the session and what it is trying to do.
Why is agentic AI a risk for insurers?
AI agents can quote at a scale no person can, which drives up third-party data costs and makes rate testing and prefill harvesting cheap. Some agents act for legitimate customers, while others are used for fraud, so carriers need to tell them apart.
Can ForMotiv tell a legitimate AI agent from a malicious one?
ForMotiv identifies when an AI agent is in a session, with 93 AI agents identified and counting, and reads the intent behind it, so carriers can serve legitimate agents with guardrails and stop the ones that are abusing the quote flow.
What can a carrier do when an AI agent is detected?
Carriers can allow the session with limits, route it to a person, hold back costly data calls, or block it, depending on the agent's behavior and the carrier's own policy.
Does ForMotiv detect AI agents in chat as well as web forms?
Yes. ForMotiv reads behavior in web forms, agent portals and chat, including the Agentic Chat Solution, so agent activity is visible wherever it happens.
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.
