Outsmart Fraud.
Protect Revenue.
At Scale.
Euclid Super Intelligence Engine scores every lead across Identity Risk, Fraud Signal, and Health Outlook Risk — delivering a composite fraud score (0–100) that carriers can act on instantly.
Risk Intelligence Engineered for Insurance Carriers
Euclid is the core fraud detection engine within Open Insurance OS. It combines rule-based algorithmic scoring with external API validation and LLM-powered pattern recognition to produce a composite fraud risk score for every lead — processed at scale, in real time.
Composite Scoring
Every lead receives a weighted Euclid Score (0–100) derived from Identity Risk, Fraud Signal, and Health Outlook Risk dimensions.
Bulk Processing Pipeline
CSV datasets are chunked into 1,000-row segments and distributed across up to 10 parallel edge-function workers. Built for 100K+ rows.
External API Validation
ZeroBounce verifies email deliverability and spam-trap exposure. Abstract Phone API identifies VOIP, disposables, and data breach history.
LLM Fraud Pattern Analysis
Theo Fraud Orchestration LLM performs deep pattern recognition and fraud-ring identification on sampled lead populations.
Executive Report Generation
AI-generated PDF reports with findings, risk analysis, and carrier recommendations — one click.
PII Protection Mode
Tokenizes and decentralizes names, emails, and phone numbers before any LLM processing. Protected and sensitive modes.
Three Dimensions. One Composite Truth.
Euclid's hybrid scoring model is 70% algorithmic, 10% email API, 10% phone API, and 10% AI pattern analysis. Every score is explainable — top risk factors are surfaced with weights and human-readable reasoning.
Identity Risk
- Email/phone validation
- Duplicate detection
- Product-age mismatches
Fraud Signal
- Phone/email reuse across identities
- Submission velocity
- VOIP detection
- Address & residency verification
Health Outlook Risk
- Age bands
- BMI
- Chronic conditions
- Expected Remaining Years (ERY)
Everything Carriers Need. Nothing They Don't.
Every Data Point, Cross-Referenced
Euclid validates email deliverability, spam-trap exposure, phone line types, VOIP and disposable number detection, physical address match, and residency verification — all in a single pass per lead.
Agent Performance Ratio. Commission Control.
Euclid calculates an Agent Performance Ratio (APR) using z-score normalization across six performance metrics with volume shrinkage. Carriers can proactively flag or withhold commissions from agents whose portfolio patterns indicate fraud exposure.
Ask Anything. Get Answers Instantly.
TheoAI Copilot lets analysts query datasets in natural language — citing specific leads and agents, surfacing fraud patterns, and triggering AI-generated executive PDF reports with risk findings and recommendations.
Built for the Volume of Real Insurance Operations
Hybrid Scoring Breakdown
Validation Sources
Terms & Definitions
All fraud detection terms, acronyms, and concepts used throughout the Euclid Super Intelligence Engine.
Open Insurance Risk Navigator Score. A composite risk score (0–100) that combines Identity Risk, Fraud Signal, and Health Risk to assess overall underwriting risk. Higher scores indicate higher risk.
Measures the legitimacy of the lead's identity based on phone validation, email deliverability, address verification, and name consistency. Higher scores suggest identity fraud or data quality issues.
Detects patterns indicative of fraud, including duplicate submissions, suspicious timing, velocity checks, and agent behavior anomalies. Higher scores indicate likely fraudulent activity.
Estimates the medical risk profile based on age, pre-existing conditions, medication history, and predictive health models. Used for underwriting assessment and rate determination.
Advanced fraud detection score that analyzes provider network patterns, billing anomalies, prescription patterns, and cross-reference medical claim data to detect sophisticated healthcare fraud schemes. Scores range from 0–100.
A composite score (0–100) that evaluates an agent's submission patterns for fraud indicators, including high-risk lead concentration, duplicate rates, VOIP usage, OTP failures, and submission burstiness.
Internet-based phone numbers (e.g., Google Voice, Skype) that are not tied to a physical location. Often associated with higher fraud risk as they are easy to obtain and discard.
A temporary verification code sent via SMS or email to confirm identity. High OTP failure rates can indicate fake contact information or fraud attempts.
A statistical measure of temporal clustering in agent submissions. High burstiness (> 1.5) suggests unnatural submission patterns, potentially indicating bot activity or coordinated fraud.
Real-time verification of phone number validity, type (mobile/landline/VOIP), carrier, and activity status. Critical for identity verification and contact quality.
A lead submission that shares key identifying information (name, DOB, SSN, address) with another lead in the system. May indicate data entry errors or deliberate fraud attempts.
Aggregate risk metrics across all leads in the current dataset. Provides executive-level insights into overall portfolio health, trends, and risk distribution.
The insurance product category (ACA, Medicare, Medicaid, Life, Dental). Different products have varying risk profiles and regulatory requirements.
Health insurance marketplace plans mandated by the Affordable Care Act. Subject to specific enrollment periods, subsidies, and regulatory requirements.
Federal health insurance program primarily for people age 65 and older, or younger people with qualifying disabilities. Includes Part A (hospital), Part B (medical), Part C (Advantage), and Part D (prescription drugs).
State and federal program providing health coverage to eligible low-income individuals and families. Eligibility and benefits vary by state.
The process of evaluating a lead's risk profile to determine eligibility, coverage terms, and premium rates. Euclid provides automated risk signals to support this process.
Requires manual review, additional verification, or potential rejection due to significant identity, fraud, or health concerns.
Requires standard underwriting review with attention to flagged issues. May be approved with conditions or rate adjustments.
Passed all verification checks with no significant fraud or health risk signals. Generally fast-tracked for approval.