Identity fraud doesn't stop at onboarding. It lives inside the policy lifecycle.
Claims fraud, impersonation, and unverified session access are costing the insurance sector billions. The controls protecting the point of entry are not protecting what happens inside it.
The problem
Insurance fraud is an identity problem as much as a financial one. Fraudulent claims, synthetic identities, and impersonation of policyholders all depend on the same structural gap: platforms that verify who opened an account but cannot verify who is operating it at the point of a claim, a policy change, or a high-value interaction. Regulated insurers also face growing pressure on internal accountability. Communications between underwriters, claims handlers, and senior management must meet evidential standards that consumer messaging platforms — WhatsApp, iMessage, email — cannot reliably provide. When a regulator asks who authorised a decision, a session log is not an answer.
Lifecycle Fraud
Fraudulent claims and policyholder impersonation exploit one gap: verified at onboarding, unverified at every high-stakes interaction that follows. The account was confirmed. The session was not.
Unverified Claim Events
A claim submission, a policy change, or a high-value interaction may be made by someone other than the verified policyholder. There is currently no mechanism to confirm otherwise.
Internal Accountability Gap
Regulated communications between underwriters, claims handlers, and senior management must meet evidential standards that consumer messaging platforms cannot provide.
How YEO serves insurance
Verify Presence at Every Claim
Continuous session verification confirms the verified policyholder is the person interacting at every significant point in the policy lifecycle.
Not just at account creation — at every interaction that carries financial or evidential weight.
Evidence Internal Decisions
YEO for Business provides a verified audit trail for regulated internal communications
Evidencing not just what was decided, but who decided it, confirmed at the moment.
Meets the standard regulators and auditors require, not just what internal logs provide.
Data Sovereignty Included
Communications data stays under the firm's control, accessible to regulatory standards.
Distinct from consumer platforms where data resides on third-party servers and cannot be produced to an evidential standard by the firm.
Relevant Solutions
Identity assurance across the full insurance operation
Together, YEO's products address identity across the full insurance operation — verifying who is interacting with the policy, and evidencing who authorised every internal decision.
YEO CFR SDK
The YEO CFR SDK adds continuous identity verification to insurance portals — confirming the verified policyholder is present at every claim submission, policy change, or high-value interaction, not just at account creation.
![](data:image/svg+xml,<svg display="block" id="3259696891" role="presentation" viewBox="0 0 80 80" xmlns="http://www.w3.org/2000/svg"><defs ><linearGradient id="O3wQKObfr-3259696891-linear-gradient" x1="0" x2="1" y1="0.04253751192696481" y2="0.9574624880730351"><stop offset="0" stop-color="rgb(57, 197, 241)"/><stop offset="1" stop-color="rgb(207, 255, 245)"/></linearGradient></defs><g fill="transparent" height="45px" id="WgbicUNiZ" transform="translate(19 16)" width="45px"><path d="M 21.26 0 C 23.849 0 26.329 0.46 28.623 1.301 C 28.089 2.008 27.811 2.941 27.811 4.128 C 27.811 5.431 28.146 6.428 28.787 7.156 C 29.426 7.881 30.336 8.3 31.413 8.516 C 32.459 8.725 33.294 9.553 33.502 10.59 C 33.724 11.7 34.162 12.638 34.914 13.296 C 35.669 13.957 36.705 14.305 38.057 14.305 C 39.334 14.304 40.324 13.993 41.06 13.412 C 42.003 15.799 42.52 18.397 42.52 21.116 C 42.52 32.778 33.002 42.232 21.26 42.232 L 3.427 42.232 C 2.42 42.232 2.024 40.934 2.862 40.379 L 7.563 37.266 C 2.938 33.393 0 27.595 0 21.116 C 0 9.454 9.518 0 21.26 0 Z M 21.26 7.966 C 13.948 7.966 8.02 13.853 8.02 21.116 C 8.02 28.379 13.948 34.266 21.26 34.266 C 28.572 34.266 34.5 28.379 34.5 21.116 C 34.5 20.305 34.426 19.511 34.284 18.741 C 32.925 20.202 30.986 21.116 28.835 21.116 C 24.722 21.116 21.387 17.776 21.387 13.656 C 21.387 11.502 22.299 9.561 23.756 8.199 C 22.948 8.046 22.113 7.966 21.26 7.966 Z" fill="rgb(255, 255, 255)" height="42.2322793006897px" id="AB2KVZf6K" transform="translate(0 2.768)" width="42.52027308592545px"/><g fill="transparent" height="13.791765897448883px" id="CjePk4zf6" transform="translate(31.114 0)" width="13.885821925020025px"><g fill="transparent" height="13.791765897448883px" id="v3H_EKvq7" width="13.885821925020025px"><path d="M 13.886 6.896 C 13.886 7.613 13.301 8.194 12.579 8.194 L 8.386 8.194 L 8.386 12.358 C 8.386 13.15 7.74 13.792 6.943 13.792 C 6.146 13.792 5.5 13.15 5.5 12.358 L 5.5 8.194 L 1.307 8.194 C 0.585 8.194 0 7.613 0 6.896 C 0 6.179 0.585 5.598 1.307 5.598 L 5.5 5.598 L 5.5 1.433 C 5.5 0.642 6.146 0 6.943 0 C 7.74 0 8.386 0.642 8.386 1.433 L 8.386 5.598 L 12.579 5.598 C 13.301 5.598 13.886 6.179 13.886 6.896 Z" fill="rgb(255, 255, 255)" height="13.791765897448883px" id="Gx3Hq_JED" width="13.885821925020025px"/><path d="M 13.886 6.896 C 13.886 7.613 13.301 8.194 12.579 8.194 L 8.386 8.194 L 8.386 12.358 C 8.386 13.15 7.74 13.792 6.943 13.792 C 6.146 13.792 5.5 13.15 5.5 12.358 L 5.5 8.194 L 1.307 8.194 C 0.585 8.194 0 7.613 0 6.896 C 0 6.179 0.585 5.598 1.307 5.598 L 5.5 5.598 L 5.5 1.433 C 5.5 0.642 6.146 0 6.943 0 C 7.74 0 8.386 0.642 8.386 1.433 L 8.386 5.598 L 12.579 5.598 C 13.301 5.598 13.886 6.179 13.886 6.896 Z" fill="url(%23O3wQKObfr-3259696891-linear-gradient)" height="13.791765897448883px" id="O3wQKObfr" width="13.885821925020025px"/></g></g></g></svg>)
YEO for Business
YEO for Business provides regulated insurers with a verified internal communications channel — evidencing who authorised a claims decision or underwriting call, to the standard regulators and auditors require.
