Accelerated Underwriting Powered by Behavioral Data Science

ForMotiv tells you which users to accelerate and which to further qualify, in real-time. 

“Our goal for 2022 is to drastically increase the number of applicants we’re accelerating. To date, we’ve been using almost exclusively demographic data to determine who to accelerate and who to send for medical reviews. ForMotiv’s real-time intent scoring allowed us to significantly widen the number of applications we were accelerating while simultaneously reducing our risk exposure. We’re very impressed.”

-Chief Underwriting Officer of Top 25 Life Carrier

Behavioral Features Captured Per Application
Micro-Expressions Captured Per Application
Average Risk Model Improvement
Applications Analyzed

Accelerated underwriting requires real time decisions which requires real-time data.

Balancing Risk vs. Experience

As companies continue moving their customer experiences online, providing a seamless, frictionless user experience without sacrificing risk and fraud is their biggest challenge. 

ForMotiv enables carriers to dynamically and intuitively add or remove friction tailored to the user’s risk score. 

Catch up to 5x the amount of misrepresentation occurring on your applications not caught by 3rd party data checks.

Accelerated Underwriting Solution

Knowing who to accelerate and who to further qualify can have a huge impact on your business. Expand instant issuance with our game-changing accelerated underwriting solution built to predict user intent and dynamically add or remove friction accordingly.

risk analytics in insurance

Non-Disclosure Solution

ForMotiv identifies users exhibiting signs of non-disclosure and allows carriers to instantly triage these applications before they are approved. 

Easy to Integrate. Easy to Use. Totally Safe & Secure.

formotiv integration
Easy Integration

ForMotiv’s JS Snippet embeds inside of your Tag Manager, directly in your website, or through our API and instantly begins tracking form inputs.

Easy to Use

24/7 access to the ForMotiv portal gives your team real-time data analytics on each individual applicant. Drill down on specific applications, questions, and user actions.

Zero PII Collected

Your data is totally secure as ForMotiv collects zero Personal Identifiable Information (PII).

Own Your Data

Your data is just that, yours. ForMotiv provides you access to all of the raw data collected. No customer or outcome information is used with other customers.