How it works

One elegant connection, not a pile of integrations.

The Sovereign core keeps doing exactly what it does. The Lead Engine subscribes to what the core already knows, and hands work back through the one door the core already validates.

The connection

Signed events out. Accept-contract in.

Sovereign core — frozen

Rating, filings, premium, ledger, equity and cession stay exactly where they are. The core emits signed lifecycle events. It is never written to by the module.

quote.startedlead opened

quote.ratedpremium known

quote.declinedappetite miss

app.abandonedstep captured

policy.bounduniversal kill switch

signed envelopethe one checked doorway

Lead Engine — the module

Reads events, builds the lead record, decides the next action. The only write path back is the checked doorway the core already uses: reopen a quote, requote, submit an application. Nothing else.

Nothing of ours sits beside your policy records

Never re-rates and never pins a filing version

policy.bound halts every sequence and pulls every auction entry

Only what the shopper agreed to share ever leaves

Nothing lands twice

Every event carries a signature and an idempotency key. Replays are safe; a duplicate quote.rated never produces a second lead or a second touch.

Resume, do not re-key

The resume link reopens the consumer's own session state in the core quote flow. Follow-up continues the transaction rather than sending them to a generic form.

Bind is the kill switch

policy.bound stops every sequence, cancels every queued touch and withdraws the lead from every auction before the next dispatch window.

Follow-up that fits the reason

Non-buyers are not one bucket.

Most systems drop every shopper who did not buy into the same email chain. Here the reason they stopped decides what happens next — and in several cases the right answer is no marketing at all.

Abandonment reason and the action the engine takes
Why they did not buy	What the engine does next
Started a quote, never finished it	A link that reopens the quote at the exact step — nothing to re-key
Saw the price, did not buy	Coverage and deductible alternatives, plus a direct question about what stopped them
Left on the payment page	Immediate rescue call or text — the highest-yield moment you have
Declined in underwriting	No marketing at all; straight into the waterfall
Outside your appetite	One of your other programs first, then your panel or an outside buyer
Price objection	Different limits, deductible or pay plan inside the same program
Wants coverage later	A requote scheduled for the effective date they asked for
Still shopping	A short, capped follow-up series, weighted to email
Something broke	Service recovery and a person to help, not a marketing message
Did not agree to be contacted	No marketing outreach; service messages only
Asked not to be contacted	Immediate, permanent stop across every channel and every partner

Recovery cadence

A default rhythm you can change to suit your book.

This is a starting hypothesis to be A/B tested against your own funnel, not an industry standard. Speed matters most in the first hour; after that, email carries explanation and SMS carries action.

Default recovery cadence
Timing	Channel	Purpose
T + 0	Email, plus SMS where consented	Quote confirmation with the real price and a one-click resume link back to the exact step.
T + 5 min	Agent alert	High-intent and high-value only — payment abandonment and large premium first.
T + 2–3 hr	Email or SMS	Ask the diagnostic question: was it price, coverage, or something unanswered?
Next morning	Email	Coverage comparison and pay-plan options against the quoted premium.
Day 2	SMS or agent task	Offer help finishing the application.
Day 4	Email	Alternative deductible, limit and coverage configuration inside the same filing.
Day 7	Email	Quote expiration and, if eligible, the alternative-market option.
Day 14	Email	Final short-term follow-up before the lead moves to long-term nurture.
Day 30 or effective date	Email or SMS	Requote timed to the consumer's stated effective date or renewal.

Every sequence stops immediately when

The shopper buys — anywhere in your company
The consumer opts out on any channel
The lead is transferred or sold under an exclusive arrangement
The consumer indicates they bought elsewhere
The risk becomes ineligible
Your limit on how often to reach out is reached

Dispatch is gated, not scheduled

Touches sit in a due-queue and are re-checked at dispatch against consent state, suppression, frequency cap and the consumer's local quiet hours. A message that became impermissible between scheduling and sending is dropped, not sent.

SMS is deliberately capped — typically two or three genuinely useful messages in the first seven days. It produces the fastest response and carries the greatest consent exposure.