Sold to the people who already advise the household — agents and planners.
Consumer editions build the audience for free. The revenue product is CoverScore Pro — a decision-support console for insurance agents and financial advisors who pull a complete risk picture for every client in their book, with no client questionnaire. They keep the license and the relationship; CoverScore reads, prioritizes and surfaces the gap, and is paid per household by the professional, never on a placement.
Four partner types, one console
Everyone here holds a client relationship and a book of records — the two things a lookup-first score needs. CoverScore turns that book into a prioritized call list.
Insurance agents
Pull risk vs. coverage across a book, find under-insured households, and place the policy that closes the gap. The Insurance Analyzer is their core tool.
Financial planners
See where protection gaps threaten the plan — liability below assets, income replacement, estate liquidity — and prioritize the review calendar around them. The advisor edition is at /pro/advisors.
Estate attorneys
Spot estate-readiness gaps and liquidity shortfalls against real asset and equity data — a warm reason to open the documents review.
Mortgage & benefits
New mortgages and benefit-enrollment events are the highest-intent moments to attach protection — the score fires the alert at exactly the right time.
Subscribe → review
Subscribe
Priced per household served, annual.
Upload the book
Client records, no questionnaire required.
Analyzer finds gaps
Every household scored, sorted worst-first.
Advisor acts
Call, schedule, or mark annual — their call.
CoverScore is paid
Per household, by you. Never by a carrier, never on a placement.
A book becomes a call list
The killer view — every client scored, sorted worst-first. It answers the only question an agent actually has: who do I call today, and why?
| Client | Top gap | Action |
|---|---|---|
| Client A | No life cover vs. a new mortgage | Call now |
| Client B | Wide gap · no coverage change in 3 yrs | Schedule |
| Client C | Life trigger fired this quarter | Call now |
| Client D | Low confidence · needs documents | Schedule |
| Client E | Well covered · annual touch only | Annual |
Each row's top gap is auto-derived from the lookup — a reason to call, in the client's own terms, before a single question is asked.
The trigger list stops being a questionnaire and becomes a monitoring stream.
New home purchase or refinance
Crossing a benefit milestone
New business registration
Marriage, divorce, or probate
What each side gets
- A prioritized call list, sorted worst-first
- A quotable reason to call, in the client's own terms
- Live monitoring instead of a one-time snapshot
- Compliance stays theirs — CoverScore doesn't give advice
- A per-household fee from the professional, annual
- No referral share: nobody pays us for where a policy lands
- A defensible data moat — the book gets richer over time
- Distribution for the consumer editions that feed it
Consumer editions are the audience & data funnel; CoverScore Pro is the money product.
Join the Pro waitlist