Insurance marketplaces that scale across states, one license at a time.

Each state has a profile listing active lines, required disclosures, referral payout rules, privacy notice text and renewal terms. Shopper flows and producer routing read from that profile, so turning on a new state means filling in its profile, getting counsel's sign-off and testing, not changing code. Each profile records who approved it and when.

Producers join with their National Producer Number. The platform checks resident and nonresident licenses and lines of authority in every state they want to serve, stores each check with a date, rechecks on a schedule and pauses routing in any state where a license lapses.

Shoppers answer a short needs form and see options in consistent cards, whether quotes come from carrier rating connections, producers or both. Coverage notes are written in plain English, and state-specific coverage features or required forms are added by the state profile.

Requests route by state, line, language and producer capacity, with exclusive and shared territories and automatic reassignment when a producer does not respond in time. Operators adjust rules in an admin screen as the network grows. Time zone differences between states are handled in response time targets, so producers on the West Coast are not penalized for East Coast morning requests.

Producers and agencies pay for listing plans, territories or per-request fees by card, ACH, Apple Pay or Google Pay. Since the Wayfair decision, states can tax remote sellers, and some treat online services as taxable, so tax on platform fees is calculated by location through a tax service your accountant configures. Invoices show tax lines clearly.

Partners such as lenders, realtors and dealerships can be paid for introductions. States restrict compensation to unlicensed people who sell, solicit or negotiate, so payouts follow each state profile, are usually fixed amounts not tied to a sale, and tax forms are collected before the first payment.

Privacy notices, opt-outs and access and deletion requests handled by state. GLBA privacy duties apply to most insurance businesses, and state laws such as California's CCPA and CPRA treat GLBA-covered data differently from other data, so the platform tags data by type and handles requests accordingly.

Lead forms store the exact consent wording, time and named producers. Outbound calls and texts from producer dashboards check the record first, which supports compliance with the Telephone Consumer Protection Act and with state telemarketing laws that add their own limits.

Verified shoppers rate the producers who served them, producers can reply, and disputes about leads or reviews go to a moderated queue with evidence and a decision log. Moderation rules are written so they are applied the same way in every state.

Requests, response times, conversion reported by producers, revenue and disputes, filtered by state, line and producer group. Compliance views show license check history and disclosure completion by state for audits and market conduct exams. Exports go to your data warehouse.