For Insurance Carriers | VFIntel Partner Portal

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embedded conversion at lease signing, against low single digits through post-move channels (industry research)

$30-500 → $5-60

carrier acquisition cost per policy, traditional against embedded, across eight product lines (VFIntel model, illustrative)

98 → 87

modeled combined ratio, traditional book against a VFI-enabled book (VFIntel model, illustrative)

The distribution moment

The renter picks you from a live screen, not a leaflet.

In the demo, a verified renter finishes a rental application and lands directly on the insurance chooser: up to three carriers, priced, compared, with the preferred building partner flagged and a plain written opt-out. Selecting a carrier binds the policy and routes a submission that carries only the consented, permitted signal subset.

You do not integrate to get value. Your seat pulls consented verified signals for pricing, audits what a broker submitted against the source, and sees your own book and nothing else, enforced by the same permission layer the whole system runs on.

Sit in the carrier seat →

The offer screen, abstracted

The renter's choice is real and written: three offers plus a plain opt-out. Regulators ask; the screen answers.

Premiums on bank rails

The premium rides the rent, and the card fee disappears.

One renter payment covers rent and premium from a bank account. Rent settles to the property manager; your premium settles to you, direct or through the broker. The card-processing cost that shadows almost every premium today simply is not incurred.

Today

Collection methodMostly card
Card cost on a $18.00 premiumabout $0.82
Who carries itBroker and carrier
Lapse behaviorCard expiry breaks payment

In the program

Collection methodBank rails, bundled with rent
Card costNone on the default path
PersistencyCollects when rent collects
ClaimsPaid into the renter's wallet

Figures illustrative; card cost shown at an illustrative 2.9 percent plus 30 cents. The live demo computes the comparison on actual collected premium.

Trust, verifiable

See exactly what you can see.

The master console renders the data-boundary matrix straight from the enforcement code: which facts reach a carrier always, which only with the renter's live consent, and which never. Your underwriters can read the boundary themselves, then watch the seat obey it.

Open the boundary explorer → Back to the demo floor

What the carrier seat never sees

A renter's funding sources, balances, devices, date of birth, tenure, or exact income. No matter what a consent lists, the tighter regulated rule wins.

What you can do today

Every claim above has a live screen behind it.

Sit in the carrier seatConsented signals for pricing, the submissions inbox, and your bound book, and nothing outside it.See it live →
See the offer screen renters seeUp to three carriers priced and compared at lease signing, with the written opt-out on the same screen.See it live →
Audit a submission against sourceCheck what a broker submitted against the verified record it was drawn from.See it live →
Watch premiums collect on bank railsCollections riding the rent mandate, with the card-cost comparison computed on the collected book.See it live →
Pay a claim into the walletOne click from the seat; the payout lands where the renter already banks and pays rent.See it live →
Read the data boundary yourselfThe rules on what your seat can see, rendered from the code that enforces them.See it live →
Track a policy in the renter's walletCoverage, documents, and claims living beside the rent payment that funds the premium.See it live →

The complete inventory, all six functions →