Monetization
No quote goes to waste. Your policy always comes first.
Outside referral fees are the last stop, not the goal. The engine tries every way to put the policy back on your books first. A paid referral only happens when the quote truly has no path back to you.
How a lead can pay off
Every way a lost quote can still make money — in order.
The engine asks these questions one at a time. It only reaches a paid referral when every answer above it is no.
Start
A completed quote that did not buy
- 01Can you still write it yourself?Policy bound — your premium
- 02Does another of your programs fit?Policy bound — your premium
- 03Does your agency or panel fit?Placed — commission
- 04Did the shopper agree to be shared?Referral or marketplace — fee
- 05Right coverage, wrong timing?Stay in touch, requote later
No to all of the aboveno →
Stop contact entirelyThe waterfall in full
Five steps, in a fixed commercial order.
You set the thresholds. You do not set the order.
- 01
Win back your own quote
Follow-up written around the reason the shopper stopped, a link that reopens their quote, and a task for your agent — all aimed at binding the program that already rated the risk. A policy is worth more than a lead every time, so nothing further down fires until this step is finished or ruled out.
- 02
Another of your own programs
A different program or filing of yours with appetite for the risk. Matched on state, driver and vehicle profile, prior coverage, violations and coverage need — never on price alone.
- 03
Your agency or carrier panel
Placement with a licensed affiliated agency or an approved carrier panel, subject to the state licensing and compensation rules you set up front.
- 04
Sell the lead outside
A ping/post auction — buyers bid on the lead in real time — or a marketplace panel shown on your no-fit and decline screens. Only what the consumer agreed to share is sent, buyers are capped, and duplicates are checked before every send.
- 05
Keep in touch, or stop entirely
Future effective dates, requotes timed to renewal, or immediate suppression where the consumer never gave or has withdrawn permission to contact them.
One switch turns off steps three through five for your whole company. Carriers who see outside placement as competition with their own retention effort can run the module as pure win-back and still get most of its value.
Placement options
Each outcome has a price, and the engine compares them.
For every quote that did not bind, the engine puts the options side by side — what the premium is worth if you win it back, what an in-house placement is worth, what an outside buyer will pay — and takes the most valuable action it is allowed to take.
Paid click
A marketplace panel on a no-fit or decline screen.
Shared lead
Sold to a limited number of buyers, priced accordingly.
Exclusive lead
One buyer, highest price, strictest duplicate checking.
Live call transfer
A warm transfer when the shopper asked for a call.
Agency or panel placement
Your licensed agency or an approved carrier panel.
Move it in-house
Another of your own programs or filings.
Ping / post
Use a broker first. Run your own auction once the volume earns it.
Ping/post means buyers bid on a lead in real time, then the winner receives it. Building that auction before there is anything to auction is how these projects die. The format is the same in both phases, so buyers connected early move over without changing anything.
Phase A — through a broker
Revenue in months, not quarters
- Send into demand that already exists — marketplaces and agency buyers
- A technology fee per accepted lead, with no auction to run yourself
- The same standard lead format from day one
- Only what the consumer agreed to share; contact details released only on acceptance
Phase B — your own auction
Own the auction, keep the margin
- A Sovereign-hosted buyer list with per-buyer bidding rules
- Daily and hourly volume caps, plus geography and appetite filters
- Duplicate checking across buyers and across time windows
- Exclusive-versus-shared controls on your inventory
- Outcomes reported back: quoted, contacted, sold, rejected
- Buyer quality scoring, with weak performers removed automatically
Putting it together
Referral income sits next to bound premium, in one report.
A standalone lead marketplace can never tell you what a shopper was really worth, because it never sees whether the policy was written. Your policy system sees both halves in the same record.
What the buyer did — accepted, rejected, returned — comes back against the quote it came from. Partner invoices, payouts and quality trends all run off the same history of events, traceable back to the original quote and the permission the shopper gave.
The one number that matters
Total economic value per completed quote = direct bind contribution + recovered bind contribution + net referral revenue.
It is the honest measure of what this layer adds, because it charges the referral line against the policies it might have displaced.