Solutions — Insurance

Catch fraud at application, not at claims

AI Fraud DetectionFraud DetectionUnder 2 Minutes

Identity fraud in insurance starts at the application. Athenty gives carriers and brokers the tools to verify applicant identity, score fraud risk, and accelerate underwriting — without adding friction for legitimate customers.

The problem

Identity fraud enters through your application form

Synthetic identities, falsified documents, and misrepresented applicant details are difficult to catch without automated verification. By the time fraud surfaces at the claims stage, significant losses have already occurred.

Athenty adds identity verification at the point of application — before underwriting, before policy issuance, and before exposure. Applicants verify in under 2 minutes. You get the result in real time.

Application receivedComplete

Identity verifiedPassed

PEP declaration + risk scoreClear

Fraud risk scoreLow

UnderwritingReady to proceed

Insurance professional reviewing application

Capabilities

From application to compliant policy file

Application fraud detection

Verifies applicant identity at submission. Catches synthetic identities, document forgeries, and misrepresentation before policy issuance.

Faster underwriting

Automated identity verification reduces manual review time. Applicants complete verification on their phone in under 2 minutes.

PEP declaration + risk scoring

PEP self-declaration collected from every applicant. Configurable risk scoring flags high-risk profiles before policy issuance.

Compliance documentation

Full audit trail per applicant. Verification reports are exportable for regulatory review and retained per your compliance requirements.

Use cases

Verification across the policy lifecycle

New policy applications

Verify applicant identity at submission. Catch synthetic IDs and document fraud before underwriting begins. Results in real time.

Agent & broker onboarding

Verify agents and brokers at licensing. Identity verification and risk scoring for high-volume producers.

High-value claims

Re-verify claimant identity on large claims. Biometric matching against the original application identity.

Beneficiary changes

Identity verification and PEP declaration when beneficiaries are added or changed on life and accident policies.

See Athenty in an insurance workflow

Book a 30-minute demo. We'll walk through applicant verification from policy application to compliance-ready file.