PolicyGuard Pro is the retention infrastructure for Final Expense and Mortgage Protection agencies. Risk-scored cadence, multi-channel outreach, TCPA-compliant by default. Start with a 2-week Audit — see exactly what your real persistency rate is and what it's costing you.
Most FE/MP agency owners believe their lapse rate is around 10%. The real number is 25–40% inside the first 12 months. If you wrote $3M of premium last year and lost 30% to lapse, you didn't write $3M — you wrote $2.1M. The other $900k walked. And you worked, paid overrides, and chased leads for it for free.
The hidden hemorrhage. Industry numbers most agency owners never run on their own book.
A 30% lapse rate on $3M premium = $900k of work, overrides, and leads you essentially did for free.
Vs. $1,200–$1,800 to acquire a fresh customer. Saving is 6–9× cheaper than replacing.
No risk scoring. No real multi-channel cadence. No TCPA-compliance layer. PolicyGuard Pro solves all three.
"We were so focused on new business that we didn't see how much was falling out the back. By the time we looked, we'd lost six figures in annual premium."
— Independent Agency Owner, Dallas TX
Start where you are. Most clients begin with the Audit. Each tier builds on the one before. You never have to buy the whole ladder up front.
2-week diagnostic on your current book. We calculate your real persistency rate, build a risk-score model for your policies, and deliver a written SOW for the Build phase. This is the cold-prospect entry point — the lowest-risk way to find out what's actually happening in your book.
We deploy the cadence + compliance infrastructure into your existing CRM and outreach environment. Risk scoring, multi-channel cadence (SMS / email / ringless voicemail), TCPA-compliant consent layer, warm-transfer routing to your licensed agents. You own it. You operate it. Or you graduate to DFY.
Our team runs cadence, warm transfers, weekly reporting, and quarterly retention math reports. You get the results without the operational lift. Base retainer + 15% performance bonus on recovered premium. Only sold to clients who've completed the Build — we want you to know what you're getting.
For agencies with in-house ops staff who want to operate PolicyGuard Pro themselves. Full platform access, risk scoring engine, TCPA compliance audit trail, reporting dashboard. Available after a Build engagement so we know your environment is set up right.
5–25 producers. $2–10M in annual premium. Watching policies lapse and tired of the math. If you're outside this profile we'll tell you on the first call — that conversation is free.
Independent Final Expense or Mortgage Protection agencies running their own CRM and outreach stack.
Marketing organizations deploying retention infrastructure across multiple downline agencies.
We turn away wrong-fit prospects. Honest filter saves both sides time.
From our existing book, anonymized. Every metric connects directly to revenue retained and policies saved — not vanity engagement numbers. Case studies coming as external clients close in Q3.
Of policies that have already lapsed, we recover 10-15% via systematic cadence. Most agencies recover 0%.
Of policies showing lapse signals (missed payment, engagement drop), we save 10-15% before they cancel.
~$200 cost to save a Day 47 policy vs. $1,200-$1,800 to acquire a new customer.
Vs. 12-18% email open rate. Why our cadence leads with SMS, not email.
No upfront cost on any tier. Audit is flat-fee. DFY is month-to-month after initial term.
From signed engagement letter to delivered diagnostic + Build SOW in two weeks.
Most cold prospects start with the Audit. Existing clients ladder up to DFY. Pick the engagement that matches your commitment level and budget.
No setup fees on any plan. Founding Cohort discount expires once 5 DFY clients sign.
14 days of real diagnostic work on your specific book. Operator-grade outputs, not consultant theater. Every deliverable below is yours to keep — even if you never engage us beyond the audit.
Not the carrier's number — your actual 12-month persistency, calculated from your data. Most owners are off by 10-20 points.
A working risk-score model tuned to your book. Plug new policies in and prioritize outreach immediately — no PolicyGuard Pro required.
When your policies actually lapse (Day 47? 90? 180?). Which demographics, face amounts, and lead sources lapse fastest.
Specific SMS + email + ringless voicemail sequences with timing, messaging templates, and trigger logic.
Where your current outreach is legally exposed. Specific remediation checklist before any SMS goes live.
Exact pricing and scope to install the system. Continue with us or take it to your own team — your call.
Email questions about the recommendations for 30 days after delivery. We answer until you're clear on next steps.
How your book performs against the FE/MP industry baseline we operate against. Context most owners never see.
Audit ROI math: if your book is $2M+ in annual premium and your real lapse rate is even 25%, the audit typically identifies $40k-$120k in recoverable premium. The audit pays for itself if you recover even 3% of that — which is below our floor on actual delivery.
For prospects who want to skip the Audit/Build sequence and jump straight to a 30-day DFY trial. Day 1: risk score on your book. Days 2–28: cadence we operate. Day 30: final report with retained premium $ proof. Natural transition to ongoing DFY at list price — no commitment to continue.
Carlos Zambrano operates cadence and compliance infrastructure inside a national insurance organization. Day in, day out, against a real multi-state book of business. PolicyGuard Pro is the system he built there — now productized for outside Final Expense and Mortgage Protection agencies that want the same results without building it themselves.
The methodology isn't theoretical. It's what's actually running. Every recommendation comes from operating an active book, not from a deck or a case-study collection.
Those are CRM and general workflow tools. PolicyGuard Pro is dedicated retention infrastructure with TCPA compliance built in from day one. We layer on top of (or replace specific functions of) your existing tools — we're not competing with your CRM.
The first week of any engagement includes a consent audit. We don't send a single SMS until your contact list is documented as TCPA-compliant. Compliance is the foundation, not a feature.
No. We only work with independent FE/MP agencies that own their own data and commissions. Captive contracts make this work legally and operationally impossible.
Any policy actively at risk of lapse that returns to good standing within 90 days of our intervention. Calculated quarterly on the trailing 90 days, invoiced at quarter close, payable net 30. Full audit trail in your dashboard.
Don't hire us. The math doesn't work for either side until you cross 200 policies. We'll tell you that on the first call and recommend a manual approach you can run yourself.
No. PolicyGuard Pro provides retention infrastructure services to licensed agencies. Your licensed agents close all policy decisions. We are not insurance brokers and do not bind coverage.
Audit: 2 weeks to written diagnosis. Build: first policies recovered within 30 days of go-live. DFY: measurable retained premium within 60 days. Activation Sprint: 30-day proof with $ retained on the final report.
A 7-page worksheet most FE/MP owners use to discover their persistency is 15-25 points lower than what the carrier shows them. Three inputs. Four answers. Includes interpretation guide and what to do if your number scared you.
Instant PDF download. We'll also send you The Retention Memo (weekly, free, unsubscribe anytime).
Tell us about your book. We'll point you to the right starting tier — Audit, Activation Sprint, or a Discovery call for DFY. First conversation is always free.
We turn away wrong-fit prospects. Saves both sides time.
Audit and Sprint are flat-fee. DFY is month-to-month after initial term.
Weekly reports showing what was sent, who responded, and what was recovered.
🔒 No spam. No pressure. Just a straight conversation about your book of business.
We'll reach out within 24 hours to confirm your call time.
Check your email for confirmation.