Why it works this way
The record never changes hands.
Every stage above is the same record in a different state. That is the whole design. Rating, CRM, and agency management are views onto it rather than systems that trade copies of it.
Platform
Follow one policy through its whole life.
BindIQ is an insurance agency platform that carries CRM, rating, policy management, and renewals on one shared record for independent agencies. From the first phone call to the renewal after next, BindIQ handles every stage on the same record. Here is what happens at each one, and which part of the platform does it.
Household recordLakeshore Insurance Group
Renewal dueM. Alvarez · R. WhitfieldMI / TX
- Lead createdM. Alvarez household added to Lakeshore Insurance Group.
- QuotedR. Whitfield quote attached to the same record in MI.
- BoundAUT-4471-88 bound with D. Okafor as the service owner.
- Endorsement addedCoverage change recorded against HOM-2210-07 in AZ.
- Payment receivedPayment received for the $1,284.00 current premium.
- Renewal dueAUT-4502-13 renewal due in TX; next review is ready.
The lifecycle walkthrough.
- Stage 01A lead arrivesA call, a walk-in, a web form, or a purchased lead. It lands as a household record with its source attached, so you will know later whether that source was worth paying for.CRM
- Stage 02The quote starts mostly filledPrefill pulls household drivers, vehicles, and property data onto the record. Nobody types a VIN that the system could have found.Rating
- Stage 03One submission, many carriersRate call 1 returns indications across your appointed carriers. Rate calls 2 and 3 carry it through to a bindable premium and an issued policy.Rating
- Stage 04The conversation stays attachedEvery text, call, and note lands on the same household record. So does the coverage the customer turned down, which is the part that matters at renewal.CRM
- Stage 05The policy becomes the bookOn bind, the policy joins the book of record with its coverages, term, and premium. Carrier download keeps it current without anyone rekeying an endorsement.Agency management
- Stage 06Service happens on the recordEndorsements, cancellations, reinstatements, documents, and claims all attach to the same policy. The audit trail builds itself as you work.Agency management
- Stage 07Retention runs on its ownPayment reminders go out before a lapse, not after. Cross-sell triggers surface the auto client who has no home policy.CRM
- Stage 08The renewal re-rates itselfBefore the renewal date, the book is re-rated against the market. Policies that should move are surfaced with the reason. Then the cycle starts again on the same record.Rating and Agency management
Capability matrix
The surfaces stay on the same record.
Rating, CRM, and agency management work from the same record. Also explore AI, Renewals, and Multi-agency.
Rating
- Rate calls 1, 2, and 3.
- Real-time comparative rating across carriers.
- Prefill for drivers, vehicles, and property.
- Start the quote with data already on the record.
- Bridge to carriers without an API.
- Carry the submission through the carrier handoff.
- Client-ready proposals.
- Turn the rating response into the next conversation.
CRM
- Household record with a full timeline.
- Keep every lead, contact, and conversation together.
- Lead ingestion and cost per bound policy.
- Follow the source through to bound premium.
- Assignment and distribution rules.
- Route work across producers, branches, and agencies.
- Cross-sell and win-back triggers.
- Surface the next conversation from the record.
Agency management
- IVANS and AL3 policy download.
- Keep the book current as policy data arrives.
- Endorsements, cancellations, reinstatements.
- Attach service work to the same policy.
- Commission and statement reconciliation.
- Keep the money trail with the book.
- E&O audit trail.
- Build the record of what happened as you work.
See it on your own book.
Bring a handful of your policies and a state you write in. We will walk through rating, the record, and the renewal list.
Request a demo