The submission, prefilled
Verified unit facts, not retyped guesses.
When a renter starts an insurance application, the unit facts arrive already verified from the property manager's records: address and unit, building type, square footage, year built, lease dates, rent, occupants. The application is prefilled rather than retyped, so you receive cleaner submissions and the carrier prices verified facts instead of self-reported ones.
The flow is one way and consent gated. The property manager never sees the insurance side; you never see more of the renter than the permitted signal subset; and every access is logged where the renter can read it.
Flow of information
One integration point between the PMS, the renter, your desk, and the carrier's audit. Data moves; custody does not.
Settlement, your carrier's way
Three ways to settle the premium. We stay out of the money.
Program funds sit in trust at a sponsor bank; VFIntel administers them and cannot spend them. From there, the premium settles the way the placement calls for.
Direct to carrier
The premium settles from trust to a carrier subaccount and remits straight to the carrier.
Through your desk
The premium settles to your subaccount and you remit under your existing carrier arrangements.
Broker bill
The carrier is paid in full upfront by you or a licensed premium finance partner; VFIntel collects the renter's installments and remits to whoever fronted the money.
In every path the licensed party sells the policy and is the seller of record. VFIntel never sells, quotes, advises on, or binds insurance, and never fronts a premium. Licensing specifics are provincial and confirmed with counsel.
Persistency
Premiums that collect like rent.
The premium rides the same bank-rail mandate that pays the rent, in one bundled payment. When rent collects, the premium collects. Your collections panel in the demo shows premiums received, the persistency line, and what the same book would have cost to collect by card.
The honest screen
The renter always sees up to three offers and a written opt-out. A book built on real choice is a book a regulator, a carrier, and a renter can all live with.
What you can do today
Every claim above has a live screen behind it.
- Open a prefilled submissionVerified unit facts from the property manager's records, landed in the application before anyone retypes them.See it live →
- See the offer screen renters seeUp to three offers and a written opt-out; the honest screen your book is built on.See it live →
- Follow a premium to settlementDirect to carrier, through your desk, or broker bill; the desk shows the path each placement takes.See it live →
- Watch persistency holdPremiums collecting when rent collects, on the same bank-rail mandate, with the card-cost comparison beside them.See it live →
- Read your book of businessPlacements, collections, and the audit trail a carrier can check against source.See it live →
- Read the access logEvery consented access logged where the renter can read it; the same ledger your compliance conversation starts from.See it live →