Case Study: Fortune 100 Insurance stops agent signature fraud with ForMotiv

How this Fortune 100 Insurance Carrier used Behavioral Intelligence to stop agent’s from “gaming” their insurance applications

Fortune 100 Insurance worked with ForMotiv to investigate suspicious e-signatures on approved policies. The carrier needed a way to monitor agent behavior more closely, since agents were handling the vast majority of premium generation but were largely invisible beyond basic performance metrics. ForMotiv’s behavioral intelligence and digital behavioral analytics platform was used to analyze application activity and agent actions.

ForMotiv discovered that some agents were creating fake email accounts and signing policies themselves instead of the actual customers. After identifying the pattern, the carrier applied the findings across all policies, uncovered that the issue was happening elsewhere, and set up behavioral alerts to flag similar activity going forward. As a result, ForMotiv helped the insurer detect internal manipulation, reduce fraud risk, and route risky applications into underwriting and policy administration systems.