Every client household, read against its own documents, with a reason to call attached.
Your CRM and your planning tool know who is due. Neither reads the policy, so neither can tell you whose liability limit sits below their assets, whose term ends before the mortgage does, or which household took an increase a competitor will mention first.
Four practices, one standard.
The same read of every household. The difference is what you are accountable for, and what you say about it.
Insurance agencies
Import the book once. See which households took a premium increase large enough to shop.
- A worklist of premium increases, before a competitor quotes them back
- Renewals by month, with the coverage issue attached to each one
- One reviewer signs; the whole book moves on one standard
Independent agents
Send an annual coverage review on your own letterhead that cites a page for every claim it makes.
- Every finding carries its page and verbatim fragment
- Nothing sends without a named licensed approver
- The gaps you would have raised anyway, found sooner
Financial advisors
Your plan assumes the house, the liability and the income are covered. CoverScore checks.
- A prospect report before they share a statement
- Liability limits set against the stated asset position
- Term that ends before the obligation it was bought for
- We place nothing, so there is no conflict to disclose
Publisher partners
Sites that already help households with a lens we score. Their guides sit in the fixes we show.
- Listed by name on the lens they cover
- Referral rows always carry a “We may earn a fee” label
- A free option is always listed first
Sorted by what predicts an exit.
Premium change and unanswered findings, not renewal date. Every line points at a page and a verbatim fragment from the client’s own document.
| Household | Change | What we found in the policy | Open with them |
|---|---|---|---|
| Household A Home + auto + life | +34% | Roof settles at actual cash value on an older roof; no extended replacement cost | Two quotes ready to present |
| Household B Home + auto + umbrella | +31% | Wind deductible moved to a percentage at last renewal | Call before the renewal window |
| Household C Landlord + home | +14% | Tenanted property still on a homeowner form | Form change, not a remarket |
| Household D Home + auto + life | +4% | Nothing outstanding; a conversion right expires later | Diary the date |
Anything read below our confidence threshold does not appear here at all; it becomes a question for the client instead.
How a review moves, and where you sign.
Import the book
From your agency system or a spreadsheet. Policies are read rather than retyped.
Every field cited
Anything read below the confidence threshold never becomes a finding; it becomes a question for the client.
You triage
The worklist is sorted by premium change and unanswered findings, not renewal date. You decide who to call.
A named approver
Nothing reaches a client unread. A licensed approver is recorded on every review that leaves the system.
They answer
Their answers land in their own account, which they keep whether or not they stay your client.
Win it, keep it, grow it, without touching your commission model.
A door that is not a rate quote.
A prospect gives you an address and gets something useful before you have asked for anything.
- A free property or privacy report on any prospect, branded to you
- Open on their house and exposure, not your carrier appointments
Find the increase before a competitor does.
Clients leave when a premium moves and someone else mentions it first.
- Sorted by premium change and unanswered findings
- A coverage reason attached to every call
Every conversation names a gap.
Specific places where nothing they hold would pay, each pointing at a page in their own documents.
- Umbrella where the underlying limits already qualify
- Flood, scheduled items, landlord forms on tenanted property
It works without your attention.
Import once. Alerts fire on named events, and nothing reaches a client until a licensed approver signs it.
- Low-confidence reads become questions, not findings
- Access is client-granted, time-boxed and logged
Sites we point households to.
Each publisher covers one lens. Referral links are labelled, and a free option is always listed first.
- Not a lead source. We never sell you a household, and never sell one of yours.
- Not a quoting engine. We read policies; we do not rate or bind them.
- Not a carrier. Nobody pays us for where a policy lands.
- Not a replacement for your agency management system. It keeps the record; Pro reads the coverage.
We are paid by you, once, per household. Never by a carrier, and never on a placement.
That is the whole compensation model, and the reason a finding says what the policy says rather than what would be convenient to sell.
Join the Pro waitlist