ForMotiv runs inside the digital journeys you already have. It turns how people complete each application, chat and claim into features, signals and scores, and returns them to your systems in milliseconds.
Thousandsbehavioral data points per carrier interaction
Millisecondsreal-time API response
Zero PIIbehavior, not identity
Capture → Understand → Predict → ActIllustrative
Platform overview
The same pipeline runs on every quote, login, policy change, chat and claim. Each step has a clear output your teams can see and use.
A lightweight tag or SDK observes how each field and turn is completed.
cadence, pauses, edits, paste
navigation and backtracking
device, automation markers, network
Raw events become insurance-specific behavioral features.
familiarity with identity details
time spent on prior-loss questions
edits after the quote on rating fields
Signals and models score intent, risk and automation for each session.
human, AI-assisted or automated
purchase-intent and leakage scores
named signals like Rate Evasion
Your systems receive results in real time and choose the path.
fast-track or step up verification
route to SIU, an agent or underwriting
skip or trigger paid data calls
Integration
Drop ForMotiv into your journeys with a tag or SDK. Results flow to the systems that already make your decisions, so nothing about how you quote, bind or pay has to change.
Scores, signals and features returned in milliseconds, while the applicant is still in session.
Full feature history for model training, benchmarking and retro studies on your own book.
Session and agent explorers for your teams to review cases, trends and exports.
Built for insurance IT
Integration, performance, privacy and compliance, answered before the first call.
A JavaScript tag for web forms and agent portals, plus mobile SDKs and the Chat Solution. Integration in weeks, not quarters.
Collection runs asynchronously, with little to no effect on how fast your pages load or respond.
Real-time API responses in milliseconds, or batch files for analytics and model training.
ForMotiv captures behavior, not identity. No personal information is collected, stored or transmitted.
Every signal comes with the reasons behind it, so decisions can be explained to underwriters, investigators and regulators.
Behavioral data & analytics
Flexible data
Feed it into your own models, act on our signals and predictions, or switch on a ready-made solution. Start with one and mix them as your needs change.
An aggregation of behavioral features that are most predictive for a given model. Running your own conversion, loss or fraud model? Ensemble real-time Behavioral DataPacks to improve model performance.
Who uses itData science teams add DataPacks to the models they already run.
Out-of-the-box or configurable behavioral rules that you can report on or act on from day one.
Who uses itSIU and underwriting use signals to route and explain a case.
Actionable real-time models that predict the likelihood of a certain outcome, i.e., likelihood to purchase, file an early claim, churn, and more.
Who uses itFraud, growth and underwriting teams act on these reads in real time.
Signals, models and workflow actions packaged for a specific job, such as fraud and SIU, underwriting, growth, distribution or claims.
Who uses itBusiness teams that want results without building anything themselves.
Glass box
An applicant reworks rating answers, some before a price appears and some after. Here is what ForMotiv captures and which signals fire.
Removes driver and deletes prior violation.
Your rating engine gets a result it can act on in milliseconds. Your underwriter sees the behaviors that fired it. Your growth team gets a purchase-intent score for the same session. Your data scientists get the features underneath.
ForMotiv Console
Real-time decisions happen in your systems. Behind them, teams open the ForMotiv Console to investigate sessions, monitor agents and agencies, and watch trends, then export what they find.
Fraud analysts see when a policyholder portal login doesn’t behave like the policyholder: a new device and network, unfamiliar navigation, then straight to payment and payout details. They search across sessions by network and identifier to find every other policy the same actor touched, whether it’s one operator or a coordinated ring.
Investigators replay the policy portal sessions as a timeline: the login from an unfamiliar device, the payment and payout details changed, then a claim filed through the FNOL site. Digital forensic data confirms the policy was compromised, so the referral arrives with evidence instead of a hunch.
Underwriting teams review direct-to-consumer applications and agent-written business side by side, find the behaviors, segments and producers that stand out from the baseline, and act before the next renewal or audit.
Product and digital teams track how new kinds of sessions behave in their flows, like the AI agents now quoting on their sites, alongside where every applicant slows down, drops off or converts.
How does ForMotiv work?
ForMotiv captures behavioral data as a person interacts with a digital form, turns it into hundreds of behavioral features, evaluates signals and models against them, and returns results in milliseconds. Carriers act on those results in the session and analyze them later in the ForMotiv Console.
What are ForMotiv signals?
Signals are out-of-the-box behavioral rules set up from ForMotiv's insurance industry expertise, covering fraud and underwriting risk. Carriers can configure them, and ForMotiv keeps refining them with customer feedback and outcome data.
What is a ForMotiv DataPack?
A DataPack is the set of ForMotiv's behavioral features that are most predictive for a given model or use case. Data science teams add a DataPack to their own conversion, pricing, retention or loss models by real-time API or batch.
What is the ForMotiv Console?
The ForMotiv Console is the offline workspace where fraud, product, SIU and underwriting teams review sessions, compare behaviors against baselines, rank agents and agencies, and investigate cases.
Are ForMotiv results explainable?
Yes. Every result arrives with the behaviors behind it, described in plain language, so a referral or decision can be explained to an underwriter, an agent, an investigator or a regulator.
How fast are ForMotiv results?
Results are returned in milliseconds, fast enough to change what happens on the next screen of an application or claim.
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.
