Carrier Appointment Proposal · Mass Market Personal Lines
A distribution channel that delivers matched customers, not price shoppers.
PolicySwap is a licensed insurance agency operating an AI-powered consumer-facing shopping and servicing platform. We analyze the customer's existing policy against a comprehensive library of coverage rules spanning auto, home, and high-net-worth exposures, present coverage-matched carrier options, and document every recommendation for E&O compliance. We're seeking an agency appointment in 5 launch states to place auto & home business that fits your underwriting appetite.
The distribution thesis
Most digital lead channels deliver price shoppers. PolicySwap delivers customers who arrived with a specific, documented reason to switch: a coverage gap flagged by our AI-powered analysis engine, a renewal increase detected by Rate Guardian, or a life event (new vehicle, new home, asset growth) that triggered a re-shop.
That changes the loss-ratio equation on the book we bring you. A customer who switches because their Bodily Injury liability is below their asset exposure isn't a 6-month price flip. They stay because the coverage actually matches their situation.
The one-line pitch
We're the channel that brings you customers who understand their coverage.
What we've built
PolicySwap is a shipped, working product — not a business plan. The platform runs at policyswap.ai/app and you can walk through the full customer flow right now:
Canopy Connect policy import
Customer connects their existing carrier account via Canopy SDK. We pull vehicles, drivers, coverages, endorsements, claims history, and premium. No data re-entry, no self-reported surveys.
AI-powered coverage analysis engine
Hundreds of rules across auto, home, and high-net-worth exposures run against the imported policy. Each finding cites the insurance rationale, the state-specific rule, and the recommended action. The engine is versioned, unit-tested, and logged per session.
Suitability-matched coverage tiers
Customer answers a 5–10 question suitability questionnaire (income, assets, financing, claims history, priority). The engine recommends Good / Better / Best tiers calibrated to their profile. Deviations below recommendation require explicit acknowledgment.
Three-way comparison + fine-tune controls
Customer sees their current coverage vs. best-price-same-coverage vs. engine-optimized. State minimums are enforced as hard floors on every dropdown — no selecting below legal.
Rate Guardian renewal monitoring
After bind, every customer stays in the re-shop funnel. When the current carrier raises rates at renewal, we alert the customer and re-quote the market. This is a high-bind-rate second touch.
AI Policy Chat Assistant
Claude-powered conversational AI answers customer questions using their actual verified policy data. Three-tier response system distinguishes between verified facts, contextual intelligence, and general knowledge — never fabricates coverage details.
AI Voice Cancellation Agent
Retell AI-powered voice agent processes cancellations on the customer's behalf. Full adversarial test harness with 7-vector guardrail suite must pass before any live call. Warm transfer to licensed agent on any edge case.
NHTSA recall + NICB theft intelligence
Dashboard surfaces open recalls by VIN and flags high-theft vehicles by state. Not a feature carriers typically see from a distribution channel — but it reduces loss frequency on the book.
Full compliance audit trail
Per-session Supabase audit log, suitability_audit table, finding_dismissals table, state rule verification cron, AI voice agent transcript scanning, field-level PII encryption. A regulator audit is 15 minutes of SQL queries away.
Why your loss ratio on our book will be better
Three structural advantages vs. a typical digital lead channel:
- Suitability-matched coverage.Our engine recommends coverage tiers based on income, assets, financing, and risk profile — not price alone. Customers who select below our recommendation must acknowledge the specific numeric deltas (e.g., “I understand I am choosing 50/100 BI instead of 100/300”) in writing. The result: customers arrive at your underwriter with limits that actually fit their exposure.
- Canopy-verified policy data.We import the customer's existing policy through Canopy Connect — every field (BI/PD/UM limits, deductibles, vehicles, drivers, claims, endorsements) is verified carrier data, not customer self-report. Your quote request comes in pre-validated.
- Documented shopping reason. Every customer has a health-check finding attached to their file — the specific gap, overlap, or savings opportunity that drove them to switch. This gives your underwriter visibility into why the customer is moving, which is unusual for a digital channel.
Projected volume (launch markets)
Launch states: NY, NJ, CT, MA, FL. These are the states where PolicySwap Inc. holds (or is in process on) a resident or non-resident producer license and has confirmed carrier-specific appetite. National expansion is sequenced post-Year 1.
| Period | Bound policies | Written premium |
|---|
| Year 1 (months 1–12) | 200–400 | $400K–$800K |
| Year 2 | 800–1,600 | $1.6M–$3.2M |
| Year 3 | 2,500–5,000 | $5M–$10M |
Figures assume 200–300 monthly active shoppers in Year 1 scaling to 1,500+ in Year 3, with a 15–25% bind rate and blended $1,700/yr premium per bound policy. Projections are conservative — our founder has underwritten them against the actual funnel mechanics of the platform and his distribution channel (see “Distribution story” below).
Compliance posture (your operational upside)
Most new agencies are a compliance risk for their carrier partners. PolicySwap is the opposite — we've built regulatory and audit infrastructure ahead of production volume specifically because we expected carrier partners to scrutinize it.
- Per-session audit trail.Every customer interaction is logged to an append-only Supabase table with timestamps, user IDs, and contextual metadata. A regulator asking “what was the customer shown on Step 5 on [date]?” gets a precise answer.
- NAIC Model Regulation §275 suitability logging. Every recommendation session records the inputs (income, assets, claims history, priority), the calculated tier, the selected tier, and — if different — the explicit acknowledgment text the customer saw on screen.
- Field-level encryption. AES-256-GCM on DOB, addresses, license numbers, and policy identifiers at rest. GLB Safeguards compliant.
- State rule verification.Weekly cron raising CRITICAL alerts for any state whose minimum-coverage rules haven't been re-verified in 90 days. The audit record names the human who verified and the DOI source URL.
- E&O insurance. $1M / $2M policy in force at launch.
- SOC 2 Type I in progress. Targeted completion before first carrier goes live. Type II follows.
The distribution story
Our customer acquisition runs on three channels, each supported by infrastructure already built into the platform:
- Direct consumer funnel. Landing page at policyswap.ai → /appstep flow. SEO + paid acquisition against “am I overpaying for insurance” and “insurance health check” intent. Trackable with UTM attribution baked into the funnel.
- Dealership partnership channel. Per-dealer QR codes and attribution tracking already live at /app?flow=dealer. Dealership brings a customer to PolicySwap for a vehicle swap re-shop; full policy re-quote commission follows. Infrastructure for this is built.
- Rate Guardian renewal alerts. Every imported policy gets monitored. When the carrier raises rates at renewal, the customer receives a savings alert and re-enters our shopping funnel. The second touch has higher bind rates than the first because the customer is actively dissatisfied.
Douglas Bortner, CFA, FRM brings 15+ years of institutional finance relationships in the NY/NJ/CT corridor. His professional network spans finance, real estate, and professional services across the launch markets. The Year 1 customer pipeline is founder-network driven: referrals from people who already trust his analytical judgment, not cold clicks from paid search.
What we're asking for
A standard agency appointment for personal auto & homeowners in the five launch states, effective on our ramp schedule. Standard commission splits.
We are not asking for:
- Higher-than-standard commission
- Exclusivity or carrier-concentration commitment
- Volume incentives or premium guarantees beyond normal program terms
- 50-state appointment on day one
Next steps
The most useful next step is a 30-minute live demo of the platform. We can walk you through a real Canopy Connect pull, run the health check against it, show you how suitability matching works, and point at specific rows in the audit trail so you can see the compliance output first-hand.
Contact: doug@policyswap.ai · 203-376-1994
Or visit the live product at policyswap.ai/app and click through the full 8-step flow. It works end-to-end on demo data.
PolicySwap Inc. — Douglas Bortner, CFA, FRM, Founder & Licensed Producer
Licensed insurance producer · E&O insured · NAIC #[pending] · NY license #[pending]