What is idMobile?
idMobile is a highly flexible, user-customizable mobile service that allows carriers to automatically or manually direct secure requests to customer mobile devices and gather authentication, image capture (e.g., manifests of persons, vehicles, documents, properties, etc.) and GPS/device data during the sales process to execute risk assessment and mitigation actions. idMobile services are fully integrated with idFusion/idResolve services such that an applicant can begin a new business application on a desktop or a mobile device, continue the process of uploading requested documents/images on the mobile device at any time and in any sequence, and then complete the application on the mobile device or on the desktop at their convenience – seamlessly and easily.
idMobile can also be called as a one-off service by any authorized carrier user – in the field, in underwriting or in a call center – and configured from a script or on the fly (via a ‘manifest’ design interface) to request any sequence of document and asset images.
In both cases, requests are automatically pushed to customers, agents and/or third parties via SMS for authentication and then processed by recipients on their mobile device. When completed, image and response manifests are automatically returned to idFusion for analysis and review. Future releases of idMobile will include video and audio capture services to support attest, inspection and incident reporting.
Why do I need a mobile solution for underwriting?
Rate evasion and fraud intent can be detected and deterred by gathering specific images of assets, persons, locations and documents from the applicant prior to issue. idMobile solutions enable carriers to signal applicants that an asset record is needed (thereby deterring claims and misrepresentation), to capture document images that resolve data conflicts and gaps, and as pre-issue evidence in the event of a claim. It has proven particularly useful in deterring pre-existing damage claims and (soon) to do pre-issue home condition verification.
When integrated with an automated idFusion process, idMobile can capture this information in-transaction – before an offer is made, before a policy is issued, before a risk modification is made.
How is idMobile Delivered?
idMobile is offered as a subscription service to insurance carriers and delivered as:
- Stand-alone application enabling carriers to direct mobile interactions and requests between customers, agents, underwriters, call centers, claims, third parties and other authorized parties,
- Module of idFusion suite of fraud detection & intervention services.