While digital D2C gets all the hype, the reality is this: agents still distribute the majority of insurance policies — and managing them is more complex than ever.
As agent distribution continues to evolve, so do we.
ForMotiv Agent is our newest suite of solutions built to solve the biggest challenges facing carriers like you in managing agent-driven channels. From fraud and leakage to performance and agent experience, we’re helping you take control of agent distribution with data-driven precision.
In this four-part series, we’ll dive deeper into ForMotiv Agent’s four main Solutions and how various teams across leading carriers are leveraging them today…
- ForMotiv Agent for Underwriting: Risk & Gaming
- ForMotiv Agent for Fraud & SIU: Fraud & Forensics
- ForMotiv Agent for Distribution & Agent Management: Performance & Benchmarking
- ForMotiv Agent for Digital Experience: Agent Experience (AX)
Stay tuned as we break down each solution in detail over the coming weeks, showing how you can leverage behavioral data to drive growth, mitigate risk, and transform your agent channel strategy.
Now, without further ado…
Part 1 of 4: ForMotiv Agent for Underwriting
Risk & Gaming: Spot Risky Agent Behavior and Gaming in Real Time
Not all agents play fair — and many risky behaviors slip through the cracks 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 and Risk teams uncover behavioral signals that indicate misrepresentation, manipulation, and leakage.
Example Risky Agent Personas We Help You Identify:
- 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.
→ Why it matters: Agents who try to game the system often go undetected until the culmination of the behavior becomes a costly trend to the tune of billions per year. With ForMotiv, you don’t have to wait and can:
- Triage suspicious behavior in real time or review offline
- Save money on unnecessary 3rd-party data checks
- Reduce manual review time and false positives
- Flag agents proactively for coaching, restriction, or investigation
What’s Next?
Gaming and misrepresentation are just the beginning. In the next part of our ForMotiv Agent series, we’ll explore how Fraud and SIU teams are using ForMotiv Fraud and Forensics Solutions to detect ghost brokers, shared logins, account takeovers, and other suspicious behaviors that signal deeper, more coordinated fraud.
Stay tuned — and get ready to see what your agents are really doing.
Want early access to the full Agent Solution playbook? Click here to schedule a brief conversation.
