Insurance distribution intelligence
Misconduct doesn’t announce itself.
It looks like ordinary rows — a surrender here, a re-issue there, a premium paid from someone else’s card. Foresight reads every agent’s book continuously and explains each flag down to the article of law.
the problem
Same book. Two ways of reading it.
A quarterly audit samples a few percent of the files, months after issue — and the patterns that matter never live inside a single file. Foresight reads every row of the same book, every night, and catches what only exists across them.
the flag
A flag is an argument, not a score.
Every flag carries the rows it stands on, the statutes it breaks, and the company rule that makes it actionable. Review starts at the evidence — not at a number someone has to defend later.
Surrender-to-rebuy chains on own long-tenured customers, largely without comparison notice.
the watchlist
The patterns that end up in sanction notices.
Foresight watches the misconduct families that regulators actually write up — from replacement churn to collusive claims — and the quiet process debt that precedes them. Each one has a data signature. This is the shape the system looks for.
Claims collusion
critical설계사·고객 결탁 사기
Referral-linked customers funnel into one clinic, and their claims escalate together — a ring, not a run of bad luck.
- same-clinic claim chains
- referral cluster growth
- claim frequency outliers
Improper replacement
high부당 승환
A policy is surrendered and rebuilt the next day on the agent’s own long-tenured customer — quietly costing them their cash value.
- surrender → reissue pairs
- missing comparison notice
- protected-window re-entry
Premium subsidization
high특별이익 제공
One payment instrument — an agent-linked card, a third party — quietly funding several customers’ premiums.
- shared payment fingerprints
- third-party cards
- first-premium gifts
Fictitious contracts
elevated가공계약
Paper policyholders clustered under one family name, with no consultation trail and happycalls that never connect.
- family-name clusters
- no consultation trail
- unreachable happycalls
Process hygiene
watch모집질서·설명의무
The disclosures and happycalls that slip exactly when production spikes — the debt that precedes the harder patterns.
- happycall backlog
- late policy delivery
- missing disclosures
Orphan service gap
watch고아계약 방치
Absorbed books whose contact cadence collapses to zero — nobody services them, and the complaints follow.
- contact cadence collapse
- complaints on absorbed segment
the console
One console, three ways in.
Triage the flags, read any agent’s accumulated story, or ask the research copilot directly — all against the same book and the same compiled law.
console/ flagssimulated data
the method
Compliance, modeled — not just monitored.
Foresight compiles the statutes and your firm’s own compliance rules, tracks your live compliance data, resolves both into a single ontology, and analyzes the entire book continuously — so every flag traces back to the rule it breaks and the evidence that proves it.
Compile the rules
Insurance statutes and your firm’s own compliance rules, compiled to citable source — verified against the original text, never paraphrased.
Track the data
Live compliance data — contracts, claims, payments, happycalls — continuously ingested and linked to the people and obligations each record touches.
Model the ontology
Rules and data resolve into one ontology: the entities, the duties the law places on them, and the relationships that expose when a duty is breached.
Analyze continuously
The whole book is read continuously. Patterns surface as flags — each grounded in the exact rule it breaks and the exact rows that prove it.
Immutable releases
A flag cites the exact rule version in force. Releases never mutate, so every citation reproduces years later.
Evidence-linked
Every flag resolves to real rows — contracts, claims, payment fingerprints — never to a score alone.
No paraphrase
Citations carry the compiled original text, verified against the official source during compilation.
Provenance end-to-end
From the source payload to the flag on screen, every artifact keeps its chain of custody.
the trajectory
Protect the trust. Improve the decision. Compound the growth.
Detection is where Foresight starts — not where it ends. The same discipline that argues a flag extends to every decision a sales organization has to defend: how the book is sold, what gets sold next, and whether it stays on the books.
Trust
Is the book being sold the way it should be?
Continuous pattern detection across the whole book. Every flag argues from statute and evidence rows, and every resolution closes as a case — running in the console today.
on the record
Placement
What should this customer be sold — and why this, not the alternatives?
Candidates weighed against the customer’s facts, existing cover, and underwriting reality. A recommendation carries its reasons — including why the runners-up were passed over.
on the record
Growth
Where do we intervene now to keep the book healthy?
Lapse, clawback, and attrition risk ranked with their drivers — and every approved intervention measured against the outcome it promised.
on the record
Three decisions, one discipline — verified facts in, bounded proposals out, and a human approval before anything moves.
Every agent. Every contract. Every decision.
Foresight reads the whole book while your team sleeps — and everything it concludes stays on the record: the rule it breaks, the rows that prove it, the decision that answers it.