Biometrics for insurance

A policy and payout — for a real person.

Issue policies online. Confirm the payout recipient in seconds. A document and a selfie — without extra checks for an honest customer.

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BVinsurance · payout checkPASS

Documentauthentic

Livenessconfirmed

Policy matchmatched

Repeat registrationsclear

Payout can proceedThe same person who issued the policy

The problem

Fraud starts before payout

A policy can be issued using someone else’s document.
A stolen account can be used to enter the customer portal.
Someone other than the policyholder can claim the payout.

The result is losses, manual review and long investigations. Biometrics stops the risk before money leaves the company.

Payout claims live

#90418

Someone else’s documentpolicy issuance

REJECT

#90419

Payout substitutiondoes not match the policy

REJECT

#90420

Access to another accountface ≠ reference

REJECT

#90421

Genuine customerpolicy + payout

PASS

Outcome

What changes after implementation

Policies are issued fully online

The customer shows a document and takes a selfie. No office, extra forms or waiting for review.

The policyholder receives the payout

Before payment, match the person with the one who issued the policy. The system decides, not an operator judging by eye.

Suspicious cases are filtered automatically

Document, liveness and face checks identify repeat registrations and send only suspicious claims to extra review.

Your team focuses on real risk

Most checks pass automatically. Security and payout teams step in only where they are needed.

Capabilities

What the system solves

Document authenticity check

Face-to-document match

Liveness check

Deepfake detection

Repeat registration detection

Sanctions and PEP screening

Automatic document data extraction (OCR)

Identity confirmation before payout

Lifecycle

Verify identity once — use it again

Biometric identity verification does not end after policy issuance. Use it at every stage of the customer relationship:

policy issuancecustomer portal sign-inclaim submissionconfirmation before payoutpolicy renewal

One verification becomes the foundation of secure customer service.

Process

How it works

Scan the document

We verify the document and extract its data.

One selfie

We check that a live person is in front of the camera and match their face to the document.

Automatic decision

Approve, reject, or send the claim to an employee for review.

Business outcome

Protect payouts without slowing sales

Fewer losses and less manual work — without worsening the customer journey.

Fewer fraudulent payouts

Faster policy issuance

Higher online-sales conversion

Less manual work

Easier regulatory compliance

Better customer experience

Integration

Fits into your processes

REST API, Web SDK and Mobile SDK embed identity verification in existing processes without changing internal systems.

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const session = await bv.createSession({
  flow: 'insurance_payout',
  matchAgainst: 'policy_biometric'
});

return session.verdict;

FAQ

Questions

Can a policy be issued fully online?

Yes. A document, selfie and automatic verification let the customer complete identification without visiting an office.

Why verify the customer again before payout?

To ensure the money reaches the same person who issued the policy, not someone who gained access to their account.

What fraud can be detected?

Forged documents, stolen identities, deepfakes, photos from a screen, repeat registrations and other common schemes.

Protect payouts without making life harder for customers

We’ll show how to embed biometrics in policy issuance and insurance payouts.

Request a demo