AI-Powered Prospecting

Find the right people
at the right moment

Life insurance prospecting powered by life-event scoring. We identify prospects when they actually need coverage, not when they're ready to ignore you.

70% of Americans say they need life insurance
52% actually have a policy
18% coverage gap to close
Sarah Chen, 32 9 pts
New baby New mortgage Software Engineer
Reach out today. Multiple life events in 90 days. Likely has only group coverage through employer.
Three Markets, One System

Precision targeting for
life insurance

Every prospect is scored, categorized, and prioritized. No more spray-and-pray LinkedIn messages.

Ages 25-40
Young Professionals

New families, new mortgages, student loans. One income loss away from crisis. Most think their group plan is enough. It covers 1-2x salary. They need 10-12x.

20-Year Term · $25-55/mo
Ages 35-55
Business Owners

Key-man risk, unfunded buy-sell agreements, personally guaranteed debt. If they die, the business dies with them. And the family inherits the debt.

Whole Life / IUL · $150-500/mo
Ages 50-65
Pre-Retirees

Legacy planning, final expenses, term policies expiring. Getting new coverage at 55+ costs 3x what it did at 35. The window is closing.

IUL / Final Expense · $100-400/mo

Score prospects
by urgency

Not all prospects are equal. Our scoring matrix ranks every lead by the life events that create real insurance need, right now.

7+ Reach out today. Personalized message.
4-6 Queue for this week. Priority follow-up.
1-3 General pool. Nurture sequence.
New baby / expecting +3
Mutual connection is a client +3
New job in last 90 days +2
New home purchase +2
Recently married +2
Business owner confirmed +2
Term policy likely expiring (55+) +2
Scale Through People

Recruit agents.
Multiply coverage.

CoverForce isn't just a prospecting tool. It's an agency growth engine. Recruit, onboard, and equip agents with the same ICP targeting and scoring system.

Agent Pipeline

Find and recruit licensed life insurance agents and brokers. Same LinkedIn-first approach, different ICP.

Instant Playbook

Every new recruit gets the ICP definitions, scoring matrix, and messaging templates from day one. No ramp-up guesswork.

Territory Management

Assign licensed states and prospect pools to agents. No overlap, no wasted outreach, full coverage.

Performance Tracking

See which agents are prospecting, converting, and closing. Data-driven coaching, not gut feelings.

The gap between need and coverage
is a billion-dollar problem

Most life insurance agents are still cold-calling from purchased lists. CoverForce identifies people at the exact moment a life event creates urgency, then delivers the right message to the right person. That's how you close the gap.