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"When we started ForMotiv eight years ago, nearly every conversation with our carrier partners centered around direct-to-consumer digital transformation. It made sense — at the time, carriers were laser-focused on better understanding digital behavior during online quoting flows to drive smarter underwriting, detect fraud, and boost conversion rates. That focus hasn’t gone away, but something interesting happened. Over the past year, we’ve seen a major shift — from consumer-facing experiences to agent-facing intelligence. In fact, for the first time in our history, 2025 marks the year we’ve signed more carriers for agent-focused initiatives than direct-to-consumer ones. So what does that tell us? It shows that carriers are recognizing the enormous value of agent behavior data and prioritizing the now available opportunity to gain deeper visibility into how their agents quote, service, and operate. After all, leakage, misrepresentation, and performance gaps often surface in behavioral data long before they show up in loss ratios." Read our latest piece by Mike Mayock, our Chief Customer Officer, on the rapid evolution of our Agent Intelligence solutions and how top carriers are leveraging them today. https://lnkd.in/evczYTvq

As carriers reduce application friction, application integrity is under pressure. The data is sobering. 40% of millennial applicants admit to using deceptive tactics to lower their premiums. Misrepresentations, such as undisclosed household or youthful drivers, gaming the garaging address, mileage manipulation, rideshare usage, and more, add up and result in loss ratios 50 to 500% higher than baseline. Learn how ForMotiv is helping carriers balance customer experience and risk-control trade-offs to build a more profitable book of business.

Digital applications have made it easier than ever to get an insurance quote. They've also made it easier than ever to manipulate a quote to receive a better rate. Learn how to identify—and stop—application gaming.

Every barrier removed for the customer is also removed for the fraudster. As carriers have modernized distribution, fraudsters have modernized alongside them.

Customer experience and risk controls are opposing forces. The very changes that have fueled digital growth are the same changes that have quietly introduced new forms of risk.

How do you deliver a faster, more personalized digital experience without increasing exposure to misrepresentation, underwriting leakage, and fraud?