GrowthDigital & CX
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Conversion intent scoring
Know which shoppers will bind before they leave, and which never will.
Deep dive →Direct digital
Your website and app are where shoppers quote, buy, change policies, manage accounts and file claims with no one watching. ForMotiv reads how each session is completed and sends the right signal to growth, underwriting, fraud and claims in real time.
Quote to claimevery self-service transaction
Real timesignals while the session is open
One tagweb forms and mobile apps
One session, four teams’ signals, one decision before the policy issues.
Why direct is different
Direct is your fastest-growing and least-supervised channel. Everything a carrier would normally learn from a conversation has to come from how the form is filled in.
Rating answers, discounts and endorsements go straight to the rating engine. Behavior is the only check before bind.
Open quote flows are where scrapers, prefill harvesters and AI shopping agents show up at scale.
How users move through the flow predicts their intent, so you can act in real time.
The direct journey
Where most carriers start with ForMotiv. Three outcomes compete in the same session: bind more, price right and keep fraud out.
Know which shoppers will bind before they leave, and which never will.
Deep dive →Send shoppers you won’t write to a partner instead of losing them.
Buy reports only for the sessions that need them.
Same answers, different story. Catch the edits that lower the rate.
Deep dive →Spot shoppers who restart until they find answers that get a quote.
Flag tobacco, alcohol and BMI answers the applicant’s behavior contradicts.
Deep dive →Stop automated sessions from scraping prefill data and rates.
Deep dive →Tell AI agents and synthetic identities from real applicants.
Deep dive →Find one operator writing many policies for other people.
Endorsements, coverage edits and cancellations made online with no one reviewing them. Post-bind leakage hides here, and so do customers about to leave.
Drivers, vehicles and garaging changed right after bind.
Policies cancelled and rewritten with different answers for a lower rate.
Comprehensive, collision or higher limits added days before a claim.
See which policyholders are getting ready to leave.
See where self-service stalls and pushes people to the phone.
Registrations, logins, payouts, contact details and payments, all changed online with no one watching. A takeover here usually comes before a fraudulent claim or refund.
Spot high-risk behavior after login, before payout details change.
Stop fake or hijacked accounts from being created on your portal.
Catch resets and MFA changes that set up a takeover.
Flag changes to where the money goes before a claim or refund pays out.
Email, phone or mailing address changed to cut the real policyholder out.
Spot high-risk behavior on beneficiary edits.
Steer policyholders likely to call for servicing help toward digital or chat.
Deep dive →See policyholders heading toward a missed payment or cancellation.
Bring buying and servicing behavior into the claim before you pay, and give investigators the full record when you don’t.
Pay consistent, low-risk claims faster and save adjuster time for the rest.
Read how a claim is reported, not just what it says.
Loss date, amount or description rewritten while the claim is filed.
Connect risky buying behavior to claims and cancels in the first 90 days.
A keystroke-level record of every session, so investigators see exactly how a claim, change or application was completed.
Referrals arrive with the full behavioral history attached, quote to claim.
Deep dive →Stream the behavioral features behind these use cases into your own underwriting rules and models 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.
Agents & brokersBenchmark every agent and agency, and catch agent risk and fraud as business is written.Agent channel →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
What does ForMotiv do for direct-to-consumer insurance?
ForMotiv reads behavior in every step of a carrier's own online quote and service journeys, so carriers can convert motivated shoppers, catch misrepresentation and fraud, and see where good customers struggle.
Which direct digital use cases does ForMotiv cover?
Common direct use cases include purchase intent and lead routing, drop-off rescue, premium leakage, bot and prefill abuse, account takeover and claims fraud, all from the same behavioral data.
Does ForMotiv slow down the online quote?
No. ForMotiv runs alongside the existing journey and returns results in milliseconds, so it does not add steps for genuine customers.
Can direct digital behavior feed a carrier's own models?
Yes. Behavioral features can be streamed into a carrier's own underwriting rules and models through a real-time API or batch files.
How does direct digital connect to other channels?
The same behavioral record follows the customer if they move to an agent, a call or chat, so every channel sees what happened before.
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.