Underwriting
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Premium leakage & rate evasion
Same answers, different story. Catch the edits that lower the rate.
Deep dive →Agents & brokers
ForMotiv Agent brings behavioral intelligence to your agent channel. See how each agent and agency completes applications in your portals, uncover agent risk and fraud, improve the agent experience, and benchmark performance against peers and over time.
Every agentbenchmarked against peers and themselves
Scorecardsrisk, efficiency and conversion
Agent experienceless friction, more throughput
Benchmarked against peers and the agent’s own history.
ForMotiv Agent
Most agents and agencies write good business. A few write the business your rating rules were built to stop, and many lose time to a portal that slows them down. Behavior shows you both.
Catch agent gaming, undisclosed operators, discount abuse and producer fraud as applications are keyed.
Find the friction that slows agents down in your portal, and fix it so more applications get through.
Compare every agent and agency with their peers and their own history, in scorecards you can share, or fold the underlying data into the scorecards you already run.
What ForMotiv Agent includes
UX analyticsBenchmarkingBehavioral analysisRisk & fraudAgent gamingAgent efficiencyAgent scorecards
Explore ForMotiv AgentAcross the agent channel
Where agent risk is written, and where good agents win you business. Three outcomes compete as each application is keyed.
Same answers, different story. Catch the edits that lower the rate.
Deep dive →Drivers the customer listed online disappear when the agent keys the policy.
Discounts applied with nothing in the file to support them.
Rating answers changed between quote and bind.
Agents who write business the carrier wouldn’t accept as submitted.
Find one operator writing many policies for other people.
Send agents the leads and quotes most likely to bind, first.
Compare what the customer entered online with what the agent submitted.
Deep dive →Benchmark every agent and agency against peers and against their own history, then act on what stands out.
See how every agent and agency completes applications, benchmarked against your book.
Deep dive →Compare every agent and agency with peers writing the same lines in the same states.
See how each agent’s behavior changes over time, to catch drift into bad habits or early signs they’re about to leave.
One view of each agent’s risk, efficiency and conversion, ready to share with distribution leaders, or take the underlying data and fold it into the agency scorecards and dashboards you already run.
Rank agents and agencies by how far their behavior sits from the baseline.
Agents quoting a lot of business with you but binding very little, running up third-party data costs.
Find what your best producers do differently, and coach the rest.
Falling activity and shifting behavior that suggest an agent is moving business elsewhere.
Behavioral analytics on every screen of your agent portal, so you can remove friction, increase throughput and help agents write more business with you.
See where agents stall, error out or abandon in your portal, and fix the screens that slow them down.
Cut restarts, rework and drop-offs so more agent applications make it from quote to bind.
Time to quote and bind, rework and restarts by agent, so you can coach to your best producers.
See how quickly newly appointed agents get productive, and where they need training.
Endorsements, rewrites and account activity keyed by agents after bind.
Drivers, vehicles and garaging changed right after bind.
Policies cancelled and rewritten by the same agent to earn new commission or a lower rate.
Spot one agent login used by several people or devices, or taken over by someone else.
Connect how each agent writes business to the losses on their book, and give SIU the record.
Connect risky buying behavior to claims and cancels in the first 90 days.
Tie claims and early-term losses back to how each agent and agency wrote the business.
Referrals arrive with the full behavioral history attached, quote to claim.
Deep dive →A keystroke-level record of every session, so investigators see exactly how a claim, change or application was completed.
Stream the behavioral features behind these use cases into your own underwriting rules and models, and into your existing agency scorecards and dashboards, through a real-time API or batch files.
Across channels
Enterprise Intent links each session to what happens next in other channels, so behavior follows the customer.
Direct digitalQuote, buy and self-service on your website and app, with no one assisting.Direct digital →CallThe caller asks the rep to change exactly what the website flagged.Call channel →Chat: live & agenticQuote, service and claims conversations, read turn by turn.Chat Solution →
Behavioral intelligence across every product, transaction and touchpoint.
FAQ
How does ForMotiv help carriers that sell through agents and agencies?
ForMotiv reads how agents and agencies fill in applications in carrier portals and raters, then benchmarks each agent and agency against peers and their own history. Carriers see who writes quality business and who games the application.
What is agent gaming in insurance?
Agent gaming is when an agent or agency manipulates application answers, such as removing drivers, deleting violations or applying unsupported discounts, to win a lower price or get past underwriting rules.
What is ForMotiv Agent?
ForMotiv Agent is behavioral intelligence for agents and agencies, covering UX analytics, benchmarking, behavioral analysis, risk and fraud, agent gaming, agent efficiency and agent scorecards.
Does ForMotiv help agents as well as monitor them?
Yes. Carriers use the same data to find where agents and agencies struggle in the portal, improve throughput and coach toward the habits of their best producers.
Can ForMotiv spot quote-heavy agents who rarely bind?
Yes. ForMotiv flags agents and agencies who quote heavily but bind at very low rates, which drives up third-party data costs.
Can we add ForMotiv data to our existing agency scorecards?
Yes. Carriers can take ForMotiv’s behavioral data on each agent and agency, by real-time API or batch files, and incorporate it into the agency scorecards and dashboards they already use, alongside production, loss ratio and retention.
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.