Founder preview · 10 agencies · 2026 cohort

Insurance agencies run on renewals.
Most CRMs don't.

InsuranceOS is a policy-first operating layer for Medicare, life, health, and benefits agencies. Renewals, household coverage, review workflows, and source ROI — built around the actual work, not generic pipelines.

Request founder preview See what changes

No credit cardPersonal reply in 24hBring your own data

Founder agencies

First cohort, intentionally limited. Selected by fit, not by who pays first.

45days

Guided preview

Hands-on setup, not a self-serve trial. Window opens when the workspace is usable.

$299/mo

Founder price

Per agency · three users included · locked for the first year.

50–500

Household range

Built for the gap between solo-agent CRMs and enterprise AMS platforms.

The mental model

Insurance work isn't contacts and deals.

It's households, policies, renewals, reviews, and revenue — connected to real coverage conditions. Most CRMs flatten all of that into a contact list with a pipeline stapled on, then ask you to maintain it by hand.

InsuranceOS is built around the operating reality. The system observes real policy conditions and surfaces the work itself.

Unit of work

A contact in a stage, a deal on a pipeline, a task in a list.

A household with policies, renewals, and a real coverage picture.

What surfaces

Whatever you remembered to set a reminder for.

Renewals, reviews, and coverage gaps — driven by policy state, not memory.

When it clears

When you check the box. Often long after the real work is done.

When the underlying condition is solved. Auto-clears on PDP added, review completed, consent signed.

What growth means

A pipeline view with deal counts.

Source ROI — premium, commission, retention, tied to the channels that created it.

What changes on day one

Four surfaces that make the work move.

These aren't features. They're the daily operating reality of an agency, modeled the way an agency owner would model them if they were writing the software themselves.

Today is the operating queue.

One prioritized stream of renewals, reviews, coverage gaps, follow-up, and service work — surfaced from real policy conditions, not from a checklist someone has to maintain.

Right NowAnything overdue or at risk — never more than a handful.
Today's QueueDue today, ordered by policy urgency.
Auto-clearsItems resolve when the condition is solved. Not when you tick a box.

TODAY · MONDAYAgency work queue

3 urgent

Hernandez, Maria Policy Lapsed

Humana · PDP · Lapsed May 4 · Coverage gap in effect

Reyes, Samuel Coverage Gap

Has MedSupp · Missing PDP since Apr 12

Brick Street Coffee Group Renewal

12 employees · Anthem · Renewal Oct 1

The household is the case file.

People, policies, coverage gaps, activity, and revenue context stay connected — instead of scattered across contact records that don't know they're related.

One viewMembers, policies, status, renewals, revenue.
Cross-sellGaps surface as opportunities tied to the household.
HistoryReviews, calls, consent forms — all in one timeline.

HOUSEHOLD · ACTIVEThompson household

3 policies

Robert & Diane Thompson

2 members · Medicare · Since 2021 · Cleveland, OH

Annual revenue$1,840

Robert Thompson

AGE 71 · M

Diane Thompson

AGE 68 · F

MedSupp Plan G

Mutual of Omaha · Robert

Reviewed Apr 2025Active

PDP Standalone

Humana · Robert

Renews Oct 15AEP

MA-PD

Anthem · Diane

Reselection dueAction

OPPORTUNITYDiane missing PDP — surfaced from policy state on Apr 12.

Renewals are a workflow, not a date.

Annual reselection and ongoing review work get handled as real workflows — with state, gates, and resolution — instead of dates buried in a calendar or task list.

Window-awareAEP, OEP, anniversary — built in, not configured.
GatedSOA / consent unlocks the next step automatically.
VisibleYou always know how many renewals you're carrying.

RENEWALS · AEP 2026Reselection queue · 18 households

5 in progress

Oct 153d

Thompson, Robert

MA-PD · Anthem · SOA signed Aug 12

In Review→ Next step

Oct 208d

Garcia, Luis & Maria

2 plans · Humana · Awaiting SOA

GateSend consent

Oct 2816d

Patel, Anita

MedSupp G · Mutual · Reviewed Sep 12

QueuedSchedule

Nov 423d

Wilson, Pat

MA-PD · Aetna · Quote sent May 6

QueuedSchedule

Growth has a source, and you can see it.

New households, opportunities, premium, and expected commission tie back to the channel or referrer that created them. Built in on day one — not retrofitted in a spreadsheet a year later.

Per sourceHouseholds, policies, premium, commission, retention.
Per referrerReal-person attribution for community-driven books.
Per periodYear-over-year compares without rebuilding the report.

REPORTS · LAST 12 MONTHSSource ROI

$184k premium

ReferralsExisting client network

$72,400132 hh

CommunityLocal events, talks

$48,90074 hh

SearchOrganic + paid

$32,10058 hh

Direct mailPostcard campaigns

$14,20021 hh

How it compares

Built for the gap that nothing currently fits.

Most agencies are either under-tooled — spreadsheets and solo CRMs that break past a few hundred households — or over-tooled, paying for enterprise AMS features built for fifty-person shops. InsuranceOS is built for the middle.

Built for insuranceBuilt for generic businessesOver-tooledUnder-tooled

The right-sized middle.

Agency-level, not agent-level. Policy-first, not contact-first. Operational, not enterprise.

SpreadsheetsNo workflows, no alerts, no renewal logic. Breaks past 200 households.

HubSpot · SalesforcePowerful, but built for deals and pipelines. No real concept of a household or a policy.

MedicareProGreat for a solo Medicare producer. Can't handle a multi-line book or downline context.

AgencyBlocDeep AMS feature set built for 50-person shops. You pay for quoting and marketing you don't use.

InsuranceOSBuilt for the operating reality of a 50–500 household book. Household-first, policy-aware, renewal-driven. Source ROI on day one.

Sam PattonFounder · InsuranceOS · Licensed agentsam@getinsuranceos.com

A note before you apply —

Confession: I was a CRM junkie. For years I told myself the next tool was the one that would finally unlock my agency — and spent so many Saturdays evaluating systems and re-importing my book that I wasn't being a great agent. Every shiny demo, every fourteen-day trial.

I'm still licensed. I still carry appointments, I still write business, and I still sit across kitchen tables during AEP. InsuranceOS isn't software I designed at agencies. It's software I'm building from inside the work I do every day.

For the last decade I've watched independent agencies do extraordinary work on top of tools that were never built for us. Spreadsheets that everyone prays don't break. CRMs designed for B2B pipelines. AMS platforms that assume you have a fifty-person operations team. None of it modeled the way a real book actually runs.

So I started building the system I wanted to use myself. Policy-first, household-aware, calm. The kind of product that lets you complete the real work and reflects it on its own — not one you have to feed reminders to.

The founder preview is intentionally small. Ten agencies, forty-five days, a real workspace running on your real data.I'm doing the kickoff calls myself, the import help myself, and the day-thirty check-ins myself. If we're a fit, I want you in the room while the product is still being shaped — not after.

If anything you read on this page made you nod, I'd love to hear from you.

— Sam

What 45 days looks like

Hands-on setup, then a real working window.

Not a self-serve trial. The goal isn't to see if you can figure it out — the goal is to get a real agency workspace running, on your real data, and prove InsuranceOS belongs in daily operations.

Day 0Kickoff

Sixty-minute workflow call.

Map your current setup — where households live, how renewals get tracked, what falls through. We agree on what success looks like at day forty-five.

With Sam· Video · 60 min

Days 1–7Import

One real data source, in.

We help you get a real spreadsheet, AgencyBloc export, or carrier file into your workspace. Not a demo. Your actual book.

With Sam· Async + 1 working session

Days 7–14Attribution

Sources, referrers, channels configured.

Growth reporting is accurate from day one — not retrofitted later when the data is already messy.

Self-serve· With templates we send you

Day 14Walkthrough

Forty-five-minute workspace walkthrough.

Now that your data is real, we walk through the daily operating loop together — Today queue, renewals, reviews, households.

With Sam· Video · 45 min

Day 30Check-in

A real review before the window closes.

Mid-preview check-in. We confirm the fit or we talk about what still needs to work. No pressure to commit early — the goal is honest signal.

With Sam· Video · 30 min

Apply for the founder cohort

Tell me about your agency.

Early access is intentionally limited to ten agencies. I'll reply personally within twenty-four hours — usually faster.

InsuranceOSRequest preview

Founder preview · 10 agencies · 2026 cohort

Insurance agencies run on renewals.
Most CRMs don't.

Request founder preview See what changes

No credit cardPersonal reply in 24hBring your own data

Founder agencies

First cohort, intentionally limited. Selected by fit, not by who pays first.

45days

Guided preview

Hands-on setup, not a self-serve trial. Window opens when the workspace is usable.

$299/mo

Founder price

Per agency · three users included · locked for the first year.

50–500

Household range

Built for the gap between solo-agent CRMs and enterprise AMS platforms.

The mental model

Insurance work isn't contacts and deals.

InsuranceOS is built around the operating reality. The system observes real policy conditions and surfaces the work itself.

Unit of work

A contact in a stage, a deal on a pipeline, a task in a list.

A household with policies, renewals, and a real coverage picture.

What surfaces

Whatever you remembered to set a reminder for.

Renewals, reviews, and coverage gaps — driven by policy state, not memory.

When it clears

When you check the box. Often long after the real work is done.

When the underlying condition is solved. Auto-clears on PDP added, review completed, consent signed.

What growth means

A pipeline view with deal counts.

Source ROI — premium, commission, retention, tied to the channels that created it.

What changes on day one

Four surfaces that make the work move.

These aren't features. They're the daily operating reality of an agency, modeled the way an agency owner would model them if they were writing the software themselves.

Today is the operating queue.

One prioritized stream of renewals, reviews, coverage gaps, follow-up, and service work — surfaced from real policy conditions, not from a checklist someone has to maintain.

Right NowAnything overdue or at risk — never more than a handful.
Today's QueueDue today, ordered by policy urgency.
Auto-clearsItems resolve when the condition is solved. Not when you tick a box.

TODAY · MONDAYAgency work queue

3 urgent

Hernandez, Maria Policy Lapsed

Humana · PDP · Lapsed May 4 · Coverage gap in effect

Reyes, Samuel Coverage Gap

Has MedSupp · Missing PDP since Apr 12

Brick Street Coffee Group Renewal

12 employees · Anthem · Renewal Oct 1

The household is the case file.

People, policies, coverage gaps, activity, and revenue context stay connected — instead of scattered across contact records that don't know they're related.

One viewMembers, policies, status, renewals, revenue.
Cross-sellGaps surface as opportunities tied to the household.
HistoryReviews, calls, consent forms — all in one timeline.

HOUSEHOLD · ACTIVEThompson household

3 policies

Robert & Diane Thompson

2 members · Medicare · Since 2021 · Cleveland, OH

Annual revenue$1,840

Robert Thompson

AGE 71 · M

Diane Thompson

AGE 68 · F

MedSupp Plan G

Mutual of Omaha · Robert

Reviewed Apr 2025Active

PDP Standalone

Humana · Robert

Renews Oct 15AEP

MA-PD

Anthem · Diane

Reselection dueAction

OPPORTUNITYDiane missing PDP — surfaced from policy state on Apr 12.

Renewals are a workflow, not a date.

Annual reselection and ongoing review work get handled as real workflows — with state, gates, and resolution — instead of dates buried in a calendar or task list.

Window-awareAEP, OEP, anniversary — built in, not configured.
GatedSOA / consent unlocks the next step automatically.
VisibleYou always know how many renewals you're carrying.

RENEWALS · AEP 2026Reselection queue · 18 households

5 in progress

Oct 153d

Thompson, Robert

MA-PD · Anthem · SOA signed Aug 12

In Review→ Next step

Oct 208d

Garcia, Luis & Maria

2 plans · Humana · Awaiting SOA

GateSend consent

Oct 2816d

Patel, Anita

MedSupp G · Mutual · Reviewed Sep 12

QueuedSchedule

Nov 423d

Wilson, Pat

MA-PD · Aetna · Quote sent May 6

QueuedSchedule

Growth has a source, and you can see it.

New households, opportunities, premium, and expected commission tie back to the channel or referrer that created them. Built in on day one — not retrofitted in a spreadsheet a year later.

Per sourceHouseholds, policies, premium, commission, retention.
Per referrerReal-person attribution for community-driven books.
Per periodYear-over-year compares without rebuilding the report.

REPORTS · LAST 12 MONTHSSource ROI

$184k premium

ReferralsExisting client network

$72,400132 hh

CommunityLocal events, talks

$48,90074 hh

SearchOrganic + paid

$32,10058 hh

Direct mailPostcard campaigns

$14,20021 hh

How it compares

Built for the gap that nothing currently fits.

Built for insuranceBuilt for generic businessesOver-tooledUnder-tooled

The right-sized middle.

Agency-level, not agent-level. Policy-first, not contact-first. Operational, not enterprise.

SpreadsheetsNo workflows, no alerts, no renewal logic. Breaks past 200 households.

HubSpot · SalesforcePowerful, but built for deals and pipelines. No real concept of a household or a policy.

MedicareProGreat for a solo Medicare producer. Can't handle a multi-line book or downline context.

AgencyBlocDeep AMS feature set built for 50-person shops. You pay for quoting and marketing you don't use.

InsuranceOSBuilt for the operating reality of a 50–500 household book. Household-first, policy-aware, renewal-driven. Source ROI on day one.

Sam PattonFounder · InsuranceOS · Licensed agentsam@getinsuranceos.com

A note before you apply —

If anything you read on this page made you nod, I'd love to hear from you.

— Sam

What 45 days looks like

Hands-on setup, then a real working window.

Not a self-serve trial. The goal isn't to see if you can figure it out — the goal is to get a real agency workspace running, on your real data, and prove InsuranceOS belongs in daily operations.

Day 0Kickoff

Sixty-minute workflow call.

Map your current setup — where households live, how renewals get tracked, what falls through. We agree on what success looks like at day forty-five.

With Sam· Video · 60 min

Days 1–7Import

One real data source, in.

We help you get a real spreadsheet, AgencyBloc export, or carrier file into your workspace. Not a demo. Your actual book.

With Sam· Async + 1 working session

Days 7–14Attribution

Sources, referrers, channels configured.

Growth reporting is accurate from day one — not retrofitted later when the data is already messy.

Self-serve· With templates we send you

Day 14Walkthrough

Forty-five-minute workspace walkthrough.

Now that your data is real, we walk through the daily operating loop together — Today queue, renewals, reviews, households.

With Sam· Video · 45 min

Day 30Check-in

A real review before the window closes.

Mid-preview check-in. We confirm the fit or we talk about what still needs to work. No pressure to commit early — the goal is honest signal.

With Sam· Video · 30 min

Apply for the founder cohort

Tell me about your agency.

Early access is intentionally limited to ten agencies. I'll reply personally within twenty-four hours — usually faster.

Insurance agencies run on renewals.Most CRMs don't.

Insurance work isn't contacts and deals.

Four surfaces that make the work move.

Today is the operating queue.

The household is the case file.

Renewals are a workflow, not a date.

Growth has a source, and you can see it.

Built for the gap that nothing currently fits.

The right-sized middle.

Hands-on setup, then a real working window.

Sixty-minute workflow call.

One real data source, in.

Sources, referrers, channels configured.

Forty-five-minute workspace walkthrough.

A real review before the window closes.

Tell me about your agency.

Insurance agencies run on renewals.Most CRMs don't.

Insurance work isn't contacts and deals.

Four surfaces that make the work move.

Today is the operating queue.

The household is the case file.

Renewals are a workflow, not a date.

Growth has a source, and you can see it.

Built for the gap that nothing currently fits.

The right-sized middle.

Hands-on setup, then a real working window.

Sixty-minute workflow call.

One real data source, in.

Sources, referrers, channels configured.

Forty-five-minute workspace walkthrough.

A real review before the window closes.

Tell me about your agency.

Insurance agencies run on renewals.
Most CRMs don't.

Insurance agencies run on renewals.
Most CRMs don't.