Door 1 · AI proposals

Drop in the quotes. Send a proposal your client actually reads.

Keep your management system. This sits next to it. Upload the carrier PDFs you already have and get back one clean proposal the insured can read, sign and pay from a single link.

Join the waitlist for AI proposals See how it works

No setup · No card · Works next to what you already use

Layer 1 · The tool

Three carrier PDFs in. One proposal out. Free.

Start with one quote. The first win lands in minutes, with no setup and no change to how the rest of the office works.

01 · DROP

Drop in the carrier quotes

PDFs from the carrier, or a portal printout. Drag them in or forward the email. Nothing to map first.

02 · READ

Jefferson builds the proposal

He reads the quotes into one clean document: a coverage card for each line, a plain-English note on why it matters, and your options side by side.

03 · SEND

The insured reads, signs, pays

One link. They read it on their phone, sign it, and pay in full or finance the premium. You see every open and every signature.

Example Insurance Group · Proposal

Example Logistics Co.

Prepared by Alex Rivera · Effective 10/01/2026

Example

Options

General Liability

$4,812

1M / 2M · Carrier A

Covers a customer who slips at your warehouse or a claim that your product caused damage.

Property

$9,640

$2.4M building + BPP · Carrier B

Rebuilds the building and pays for lost stock and equipment after a fire, storm or break-in.

Commercial Auto

$7,215

1M CSL · 6 vehicles · Carrier A

Your delivery vans on the road. Required by law, and the line most likely to see a claim.

Umbrella

$2,380

5M excess · Carrier C

Sits over GL and Auto for the one large claim that would blow through the primary limits.

Total annual premium

$24,047

or 10 payments of $2,164 after down payment

SignPay in fullFinance

Your name on it, not ours

Your agency's logo and your contact details sit on every page. The insured sees their agent.

You check it before it goes

Every figure links back to the page of the carrier quote it came from. Edit anything, then send.

Readable on a phone

No 40-page PDF stack. The client sees what each line does and what it costs, then signs at the bottom.

Paid or financed in the same link

Pay in full once your merchant approval clears. Premium finance turns on after license, capacity and code checks. Proposals and e-sign work from day one.

Layer 2 · What your data became

Those quotes built a record. And they earned you credit.

While you were sending the proposal, the quotes filled in the insured's InsureBio profile: coverages, carriers, limits and loss history, in one place. Verified data earns bioTokens, and your wallet shows them in US dollars.

Your earnings · this week · Example

$38.40

12 quotes loaded · 3 loss runs pulled · earned $38.40 in bioTokens

12 verified quotes × $2.50$30.00
3 loss runs pulled × $2.80$8.40
Spendable on revival and Jefferson$38.40
Example rates · earn rates are being set

Earnings are credits you spend inside PolicyOS. They are not an investment.

InsureBio · Example Logistics Co. · Example

Lines on fileGL · Property · Auto · Umbrella
Carriers quoted3
Loss runs5 years · 2 claims
Next renewal10/01/2027

The insured owns their record. You control access. Here's who has seen it:

Alex Rivera · Example Insurance GroupOWNER AGENT
Jefferson · read quotesLOGGED
Premium finance checkLOGGED

Layer 3 · Who's been doing the work

Jefferson read those quotes. He has opinions about the rest of your pile.

Every proposal so far was his work. He doesn't take a salary, a corner office or a lunch break, and he's rather keen to get at the files you gave up on.

Now

Proposals

Reads carrier quotes into the proposal you just saw. AI proposals are free.

Dead files

Revival

Quotes that didn't bind, woken up by email, text, AI dial and postal mail. He checks consent before he texts or dials.

Renewals

Runs the calendar

Pulls the loss runs, requotes, and lays the new proposal on your desk ninety days out.

Inbox

Works your mail

Forwards become quotes, questions get drafted answers, and nothing sits unowned.

Proposals

Free

Reading quotes into proposals costs nothing.

Other work

Metered by model

Usage counts in JCI tokens. Heavier models cost a multiple.

Paid with

Your wallet, in USD

Spend the bioTokens you earned, or add funds.

Per-model rates are being set. You'll see them before Jefferson does any metered work.

Layer 4 · The bigger room

An independent agency, with a few more rooms than it started with.

None of this is required. It's here when you want it, and not a day before.

Day one

Virtual Cabinet

Every account starts with one: a hosted vault, a chain identity and hosted Jefferson. It's already holding your insureds' records.

When you want it

Physical Cabinet

The same Cabinet on your own hardware, in your office. The keys move to the device; your address and history stay the same.

Network

Network & marketplace

Other agencies, markets and services on the same rails. Find capacity, sell what you've built, buy what you haven't.

Cover

E&O + Cyber, discounted

Agencies that keep clean records on the network get a better rate on their own errors and omissions and cyber cover.

Where your data lives today

You own it and control who sees it. We hold the keys for you, and every access shows up in your log.

Questions about AI proposals

Short answers.

Do I have to leave my management system?

No. PolicyOS works next to the system you already run. Upload a quote, forward an email or send a checkout, and keep everything else exactly where it is.

Which carriers' quotes work?

Carrier quote PDFs and printouts from carrier portals. Most standard commercial lines read cleanly, and coverage is expanding as more agencies send quotes through. If a quote doesn't read well, you'll see which fields need a look before anything goes out.

What does the insured see?

One link with your agency's name on it. A card for each line with the limits, the premium and a sentence on why it matters, your options side by side, and buttons to sign and pay in full or finance. No account, no app to download.

Start with one quote

Work Smarter. Keep It Yours.

Join the waitlist for AI proposals. We're opening to agencies in waves, and we'll email you when your invite is ready.

We'll only use this to contact you about PolicyOS.