51% of insurance applicants don’t tell the truth.

We help you find out who is lying.

ForMotiv’s Digital Polygraph uses machine learning, artificial intelligence, and predictive behavioral analytics to measure a user’s “Digital Body Language” and predict, in real-time, what their true “intent” is. 

ForMotiv’s “Digital Polygraph” for Risk & Fraud

Insurance Fraud Detection Solutions are crucial as carriers continue their digital transformation efforts. ForMotiv’s “Digital Polygraph” works by analyzing the way a user interacts with an application or form and detects risky deviations from the norm.
The use cases for this insurance fraud detection solution are endless, but many Fortune 500 companies are using ForMotiv to eliminate costly user approvals, enhance their risk algorithms, detect internal agent manipulation, and reduce premium leakage and application misrepresentation. ForMotiv’s lightweight software is invisible to the end-user and collects zero PII.
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ForMotiv Signals

Custom Rule-Based Real-Time Signals

  • ForMotiv’s predictive risk scoring helps underwriters determine which applications need further qualification before policies are approved for accelerated underwriting.
  • Set customized alerts when certain behaviors or actions occur, such as when a user changes a certain answer after receiving a quote. 
  • Eliminate costly medical nondisclosure or tobacco usage nondisclosure with real-time risk signals.
  • ForMotiv operates in real-time, giving your team unprecedented insight into risky user behavior as it’s happening.
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Dynamic Security

Accelerated Underwriting

  • Using artificial intelligence and machine learning combined with behavioral intelligence leads to more accurate underwriting risk profiles. ForMotiv uses proprietary behavioral data to constantly enhances our risk algorithms, allowing for real-time risk scoring. Use our API to integrate our score directly into your overall risk model. 

Add or Remove Friction

  • Dynamically add friction for risky customers, for instance, prompt them to upload a Drivers License if they’re rushing through the application or copying/pasting sensitive information.
  • With our insurance fraud detection solution carriers can more accurately determine which applicants need further qualification.

Bot Detection

  • Discover bots attempting to mimic human behavior and stop them in their tracks.

Stay Compliant

Monitor Agent Behavior

  • If your institution sells through agents, producers, or call centers, ForMotiv will alert you when agents may be ‘gaming’ the system.

Stay Compliant with Full Audit Trail

  • Whether you have a direct-to-consumer, agent application, or collaborative agent and consumer application – arm your company with a complete ‘revision history’ of every interaction a customer, agent, or employee has had on an application.
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Easy to Integrate. Easy to Use. Totally Safe & Secure.

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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.

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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.

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Zero PII Required

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

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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.


Interested in learning how your organization can benefit from Predictive Behavioral Analytics?