Insurance Customer Verification

Insurance companies use phone intelligence to verify policyholders, detect fraud during claims, and maintain accurate contact information for policy servicing and renewals.

The Challenge

  • Claims fraud uses fake or anonymous phone numbers
  • Identity verification required for policy changes
  • Contact data decay affects renewal rates
  • Right-party contact needed for claims and billing

The Solution

VeriRoute Intel validates policyholder phone data, detects fraud signals during claims, and ensures accurate contact information for policy servicing.

Claims Fraud Detection

Phone Intelligence Signals

  • VoIP detection — Anonymous numbers common in fraud
  • Recent porting — May indicate identity manipulation
  • CNAM mismatch — Name doesn't match claimant

Fraud Scoring

def assess_claim_phone_risk(phone, claimant):
    result = veriroute_lookup(phone, lrn=True, cnam=True)

    risk_factors = []

    # VoIP is higher risk
    if result['lrn']['line_type'] == 'voip':
        risk_factors.append('voip_number')

    # Recent port is suspicious during claim
    if result['lrn']['days_since_activation'] < 30:
        risk_factors.append('recent_port')

    # CNAM should match claimant
    if not names_match(result['cnam']['name'], claimant.name):
        risk_factors.append('cnam_mismatch')

    return risk_factors

Policy Servicing

Renewal Contact

Ensure you can reach policyholders for renewals:

  • Validate phone before renewal campaigns
  • Identify line type for SMS vs. voice
  • Update stale contact information

Premium Collection

Improve contact rates for payment reminders:

  • Remove disconnected numbers
  • Segment by mobile vs. landline
  • Detect reassigned numbers

Claims Communication

Reach claimants efficiently during claims process:

  • Validate contact info at first notice of loss
  • Choose appropriate channel by line type
  • Verify identity before discussing claim details

Data Enrichment

Add phone intelligence to policyholder records:

Field Insurance Use
line_type Channel selection, fraud scoring
carrier Geographic/demographic insights
cnam Identity verification
activation_date Fraud detection, trust scoring
is_valid Contact data quality

Insurance Use Cases

Application Verification

  • Validate phone during quote/bind
  • Flag suspicious phone patterns
  • Verify CNAM matches applicant

Claims Investigation

  • Assess phone fraud signals
  • Flag VoIP and recently ported numbers
  • Correlate with other fraud indicators

Policyholder Service

  • Reach the right person for service calls
  • Update contact info proactively
  • Choose best channel by line type

Integration

  • Batch: Validate policyholder databases
  • Real-time: API during quote, bind, or claim
  • Periodic: Re-validate before renewal campaigns

Verify Policyholder Data

Phone intelligence for insurance fraud prevention and policy servicing.

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