Agent onboarding
Shared devices and beneficiary accounts can connect supposedly independent agents or recruited identities.
Resolve the person across policy and claim.
Test agent, policyholder and claimant identity evidence at the point where each relationship enters the insurer's book.
Insurance identity risk has more than one actor.
The agent who originates a policy, the named policyholder and the claimant can produce separate identity contradictions.
Policyholder identity
Authentic documents may support a policy controlled and funded by another operator.
Ghost policyholder
A valid but economically inactive identity can be maintained until a claim event is staged.
Claims substitution
Identity vectors, mobile control and payout destinations can change between issuance and claim.
48%
Indian enterprises that rank mule networks as the hardest fraud threat to detect and control
Bureau, India Fraud Report 2026, March 2026Claims-stage identity review is too late to be the first time an insurer connects its own onboarding evidence.
Score at each identity handoff.
The product sequence follows the insurer's events rather than forcing a lending workflow onto policy operations.
Cluster Intelligence
Agent network
Connect agent devices, policy applications and beneficiary destinations across the distribution network.
Personhood Score
Policyholder
Evaluate policyholder coherence at issuance and again when claim identity evidence changes.
Sleeper Watch
Claim event
Compare later claim evidence with the identity and control signals preserved at issuance.
Join policy, agent and claim records carefully.
The retrospective analysis uses tokenised identity keys to connect issuance, distribution and known claim outcomes. Results are reported by fraud mechanism so an agent ring is not mixed with a policyholder contradiction.
Explainability matters before an adverse action.
A review team needs the signal, its source and the policy rule behind any hold or escalation. The score never becomes a substitute for the insurer's documented claims process.
Run the Insurers backtest.
The first output is a ranked historical file and a precision curve at your available review capacity. No production integration is required.
Book a backtest