Roadmap
Recovery first. Monetization second. Never the other way around.
The order is a commercial position as much as an engineering one: a customer who has already recovered real premium is far more comfortable turning on external placement than one who has not.
Phase 1
Foundation and winning back your own quotes
- A secure, no-duplicate feed of quote activity from the Sovereign core
- A lead record with the reason it stalled and a complete timeline
- A permanent consent record and a do-not-contact list
- Links that reopen a saved quote
- Email and two-way texting that stop the moment they buy or opt out
- An agent work queue with ownership and round-robin assignment
- Measurement of where quotes are lost, in your own numbers
Phase 2
Waterfall and outside revenue
- Appetite rules that route a risk to your other programs
- A buyer list with volume caps and agreed pricing
- A marketplace panel for no-fit and decline screens
- Ping/post through an existing broker so revenue starts early
- Duplicate checking, plus exclusive-versus-shared controls
- Buyer outcomes, revenue reconciliation and invoicing
Phase 3
Smarter routing and your own auction
- Lead scoring that shows its reasons on four dimensions
- Routing by expected value across the whole waterfall
- Best-time-to-send, plus testing on timing and copy
- A requote engine tied to requested effective dates
- A Sovereign-hosted auction with buyer quality scoring
- Blind comparison against similar books
Phase 4
Packaging
- Onboarding and turn-on for the add-on
- Attribution reporting a CFO can sign off on
- A reference setup and rollout playbook for design partners
Design partners
We are looking for a small number of carriers and MGAs with live D2C volume.
Phase 1 is materially better if it is shaped against a real book rather than an assumed one. That is the whole reason to take partners at this stage.
- Direct influence over the stall reasons we track and the default timing for your lines and states
- Your own numbers measured first, so you have a real baseline before anyone quotes you an industry benchmark
- Preferential pricing on the add-on for the life of the initial term
- Named input into which ping/post buyers are onboarded in phase two