01
The brief
The carrier's growth team had a national appetite, but three legacy vendors were delivering volume against the wrong risk profile — driving down quote-to-bind and inflating CPA.
02
What we built
We rebuilt the qualification flow against their appetite document: state-level age bands, vehicle counts, SR-22 knockouts, and a homeowner cross-flag for bundling intent. Hot transfers were routed to their highest-LTV territories first.
03
The result
Bind rate moved from 4.1% to 9.4% in two quarters. CPA dropped 37% on like-for-like cohorts. Citirex absorbed 100% of their new-business spend within twelve months.