What Tools Do Insurance Companies Use for Background Checks?

Why do insurance companies rely on background checks?

Background checks help insurers confirm that the applicant does not try to hide any information - for example, if someone applies for car insurance, but doesn't mention past accidents, or if someone applies for health insurance, but hides their history of illness and medication.

If someone lies on an insurance application, the insurer may face unexpected financial losses. That’s why they always do background checks.

What background checks do insurers run?

Background check types depend on the types of insurance and risk. There are some common ones most insurance companies use - for example:

Identity verification

Insurers use identity verification to confirm that the applicant is a real person and that their personal details are correct. They may check information such as name, address, date of birth, and official documents.

Claims history check

A claims history check shows whether the applicant has filed insurance claims in the past. This helps insurers see if there is a pattern of frequent, repeated, or suspicious claims.

Criminal record check

Some insurers may check criminal records when they are relevant to the type of policy or the level of risk. For example, a history of fraud or certain financial crimes may affect how the insurer reviews an application.

Property and public records check

For home or property insurance, insurers may review public records connected to the property and the applicant. They may check ownership details, past damage, location risks, or previous property-related claims.

Tools that insurers may use for background checks

Pixalytica

Website: pixalytica.com

Pixalytica is often used by the companies that want to check the person’s criminal history, possible risk, political associations and more. What makes Pixalytica stand out is its facial recognition system. Unlike other tools, Pixalytica generates reports on any person based only on a single image of their face. No phone numbers, names and addresses - only a photo is needed.

Why is Pixalytica better than other background check tools?

• Fast and accurate - Generating the reports takes less than 20 seconds.
• API included - The API is always included in the subscription.
• No names needed - Pixalytica can find a person without the name - a photo is enough.
• Combines information available online - Locations, names, criminal activity, associations with people, places, organizations - all is included in one report.

Pixalytica’s reports contain more information than traditional Google search. Check what information and risk factors are included in Pixalytica.

MIB

Website: mibgroup.com

MIB is commonly used in life insurance underwriting. It helps insurers review previous insurance application information, identify inconsistencies, and detect possible fraud. MIB says its tools support risk assessment and fraud detection for life insurance companies.

Milliman IntelliScript

Website: rxhistories.com

Milliman IntelliScript provides prescription history and health-risk data for insurers. Life, health, disability, and long-term care insurers may use this type of tool to better understand an applicant’s medical and prescription background before approving coverage.

If you want to see more OSINT tools available for everyday users, check out our list of Best OSINT investigation tools in 2026

LexisNexis Risk Solutions

Website: risk.lexisnexis.com

LexisNexis Risk Solutions provides insurance data, analytics, identity information, claims tools, and risk-management solutions. Insurers may use its products to verify applicant details, review risk factors, support underwriting, and manage claims.

Verisk ClaimSearch

Website: verisk.com/products/claimsearch

Verisk ClaimSearch is used mainly in property and casualty insurance. It is a large claims database that helps insurers review past claims, analyze claim patterns, and detect possible fraud.

Tools like Pixalytica can be tested for free! Try it and check where your images appear online to assess your own risk.