Straight in
A policyholder with nothing unusual in the session. No code, no questions.
Registration & log in
Registration and login are where account fraud starts, and where good customers decide whether your portal is worth the trouble. ForMotiv’s continuous behavioral analysis reads who or what is behind each session and what it intends to do. Policyholders go straight in, legitimate AI agents get scoped access, and takeovers and fake sign-ups are stopped before they reach a policy or a payout.
Human, AI or botidentified in every session
Intentread before access is granted
Less MFAwhere nothing warrants it
Your login page · sample sessionsWho · intent · outcome
Friction matched to intent
Most portals treat every login the same: everyone gets MFA, or no one does. ForMotiv reads intent in real time, so friction lands only where it’s needed and genuine policyholders barely notice it’s there.
A policyholder with nothing unusual in the session. No code, no questions.
Something is worth a second look. One quick verification, then on their way.
Full verification before access, with the reason attached for your team.
Automated attacks and fake sign-ups, stopped at the door.
Agentic AI detection
More policyholders will send an AI agent to log in, check a payment or download an ID card. Attackers send them too. Blocking every non-human session breaks a convenience customers will expect, and letting every one through opens your portal to anyone with a script. ForMotiv identifies who or what is in the session and reads its intent, so you decide what each may do. ForMotiv is identifying 93 AI agents, and counting.
Working for the policyholder on an everyday task. Let it in, and keep sensitive account changes behind the person.
A non-human session heading toward a sensitive change. Ask for the person before anything changes.
Credential stuffing and scripted sign-ups, identified by behavior rather than a blocklist. Stop them at the door.
Account takeover
A stolen password looks like the real thing. ForMotiv analyzes behavior continuously, before, during and after login, and adds every session to the policyholder’s behavioral record, so a takeover is visible long before a sensitive change or a payout.
Sessions that don’t behave like a genuine policyholder are flagged before access is granted.
Flagged in real time, in the context of every other session on the account.
Caught before a sensitive account change, a policy change or a claim is submitted.
What happens after login: account servicing →Takeover before a claim payout →
For genuine policyholders
The point of reading intent at login isn’t to add checks. It’s to remove them from genuine policyholders, so the friction you keep lands only where it’s needed.
Keep exploring
Account servicingFraud & SIUClaimsAgentic AI detectionAccount takeoverQuote & bindEnterprise Intent
FAQ
How does ForMotiv secure insurance registration and login?
ForMotiv’s continuous behavioral analysis reads who or what is behind each registration, login, MFA and password reset on policyholder and claimant portals, and what it intends to do. Carriers use it to stop fake registrations, credential stuffing and account takeover while genuine policyholders go straight in.
Can ForMotiv tell AI agents from people at login?
Yes. ForMotiv identifies whether a session is a person, an AI agent or a bot, and reads its intent, so carriers can give legitimate AI agents scoped access and stop the ones that aren’t working for the policyholder. ForMotiv is identifying 93 AI agents, and counting.
How is this different from device or velocity rules?
Rules count what already happened. ForMotiv analyzes behavior continuously across every session on the account and reads intent, which is how it separates a legitimate AI agent from an attack, and a policyholder from someone using their credentials.
How does ForMotiv detect account takeover?
Account takeover rarely shows itself in a single login. ForMotiv analyzes behavior before, during and after login and adds every session to the policyholder’s behavioral record, so high-risk intent is visible before a sensitive change or a payout.
Does ForMotiv add friction for real customers?
No. Most genuine customers see less friction, not more. Carriers add step-up verification only when the session’s intent warrants it.
Is registration fraud a problem for insurers?
Yes. Fake or synthetic accounts can be used to test stolen identities, harvest prefill data or set up fraudulent claims, which is why reading intent at registration matters.
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.