ForMotiv Agent
ForMotiv Agent is behavioral intelligence for your agents and agencies. Underwriting, fraud, distribution and digital teams see how each agent and agency actually writes your business, in real time and over time, benchmarked against their peers and their own history.
Real time & over timeflags in session, patterns across books
Peers & selfevery agent benchmarked both ways
Zero PIIhow fields are completed, never what’s typed
The agent-channel blind spot
Independent agents quote your products next to other carriers, often under pressure to land a price. By the time an application reaches underwriting, every edit, retry and workaround has disappeared. ForMotiv keeps that behavior, without PII, for in-the-moment action and for patterns across agents and agencies.
What the policy file saysLooks clean
Drivers
1
Violations
None
Annual mileage
5,000
Garaging ZIP
19103
Binds at the quoted rate. Nothing for underwriting to question.
What ForMotiv Agent sawSame application
Drivers
21
Violations
2 ticketsNone
Annual mileage
15,0005,000
Garaging ZIP
1910419103
Four rating answers changed after the first price. The same agent shows the pattern on other quotes this month.
Any line of businessPersonal autoHome & rentersSmall commercialLife & healthGroup & supplementalSpecialty P&C
Any agent workflowNew businessPolicy changesServicingClaims & FNOL
The same approach works in every line: class codes and payroll in small commercial, occupancy and roof details in home.
Agent scorecards
Peer benchmarks show who stands out today. An agent’s own history shows who is changing: drifting into bad habits, ramping up fast, or quietly moving business to another carrier. Already have agency scorecards and dashboards? Take the underlying behavioral data behind every tile, agent by agent and agency by agency, and fold it into the scorecards your teams use today.
Sample agents · click one
Configurable personas
ForMotiv turns behavior into named personas your teams can route, review and act on. These come standard; you can build your own from the same signals.
Repeatedly removes drivers after the first price to lower premiums.
Copies the same VINs across unrelated policies to pull lower quotes.
Submits the same low-risk answers on application after application.
Binds a clean application, then adds drivers, vehicles or moves garaging in the weeks after.
High quote volume, very low bind rate, and the third-party data bills that come with it.
Edits the one disqualifying answer after a kickout until the quote clears.
Races through medical and key underwriting questions far faster than anyone could read them, answering No to everything.
Applies multi-policy, homeowner and other discounts with nothing on file to support them.
Moves the garaging address into a lower-rated territory, often after the first price.
Combine signals into the behaviors your teams care about, then route, review or act on them.
ForMotiv Console
Real-time flags stop a bad bind. The Console is where underwriting, distribution and SIU teams work the agent channel offline: ranked review queues, behavior drill-downs and deep dives on one agent or agency. Tap the numbers to see what each part does.
Ordered by how often, and how severely, each one exceeds the norm. It changes as behavior changes, so the top of the list is always this week’s conversation.
When a behavior spikes, start from the behavior instead of the agent. Every agent and agency is measured against the same baseline.
Start with the agents and agencies furthest from the baseline this week.
Garaging changes, removed drivers, kickout re-walks: see who leads each one.
Every session, device and signal for one agent or agency, ready for a partner conversation.
Share the scorecard with distribution, adjust appointments, or refer to SIU with Forensics.
Who uses it
One data source, four very different questions. Each team keeps its own workflow and decisions.
Rate evasion on drivers, mileage, garaging and DOB
Patterned responders and post-bind endorsers
Kickout re-walks on disqualifying answers
Ghost brokers and shared or compromised agent logins
VIN and MVR harvesting
Session-level evidence with ForMotiv Forensics
Strong-start, top and declining agent patterns
Agent churn signals against their own history
Lead prioritization toward agents who bind
Time and effort per screen in your portal
The fields that cause rework and abandonment
The impact of every workflow change
Agent experience
Agents who find your portal slow quote somewhere else. ForMotiv measures time, re-entries and abandonment on every screen, so you can fix the ones that cost the most, and coach the agents who need it.
Quote volume and data cost
Every quote can trigger prefill, MVR and CLUE. An agent who quotes heavily with you but binds elsewhere turns your rating engine into a free comparison tool, at your expense.
High quote counts, bind rates far below their peers, and repeated MVR or VIN pulls.
Defer paid data calls for those agents until a quote is close to binding.
Send leads and attention to agents and agencies whose behavior predicts they’ll close.
How it works
No change to how agents work, no new screens for them to learn. Your teams get the signal.
A JavaScript tag in your agent portal and raters. Integration in weeks.
Captures how fields are completed, never what is typed into them.
Signals fire in session through the API, and build into queues and scorecards in the Console.
DataPacks of the most predictive agent features can feed your own models, and the underlying behavioral data behind each scorecard can be folded into your existing agency scorecards and dashboards by API or batch. Data →
Less premium leakage at the point of sale
Fewer wasted third-party data calls
Faster, evidence-backed SIU investigations
Fewer false positives for review teams
Agent and agency decisions based on behavior
More business from agents who prefer your portal
Looking for every agent-channel use case, quote to claim? See the Agents & brokers channel page →
FAQ
What is ForMotiv Agent?
ForMotiv Agent is behavioral intelligence for agents and agencies. It shows how every application was keyed, not just what was submitted, and covers UX analytics, benchmarking, behavioral analysis, risk and fraud, agent gaming, agent efficiency and agent scorecards.
How does ForMotiv benchmark agents and agencies?
ForMotiv compares each agent and agency with their peers and with their own history over time, which helps carriers spot gaming, declining quality and possible agent churn.
What does agent gaming look like?
Agent gaming shows up as recognizable patterns, such as removing drivers, deleting violations, changing garaging or applying unsupported discounts to get a lower price or pass underwriting rules.
Can ForMotiv Agent improve agent productivity?
Yes. Carriers use agent efficiency and UX analytics to find where agents and agencies get stuck in the portal and to coach toward the habits of top producers.
Why flag agents who quote heavily but rarely bind?
Every quote can trigger third-party data calls, so agents and agencies with very high quote counts and low bind rates drive up costs without adding business.
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.
