UNDERWRITE
We Buy the
Clicks Nobody
Else Can
Afford.
Auto. Home. Life. Health. We operate in the four most expensive verticals on the internet — and we turn $200 CPCs into bound policies your in-house team couldn't touch.
Live Keyword Auction — Insurance Vertical
car insurance quotes
homeowners insurance
life insurance quotes online
health insurance marketplace
cheap auto insurance near me
Avg CPC — Auto
$247
Avg CPC — Home
$183
Avg CPC — Life
$219
Avg CPC — Health
$168
Industry Avg Cost-Per-Bind
$1,840
Our Avg Cost-Per-Bind
$612
Bound Policies — Last 90d
14,300+
Carrier Partners
38
TCPA Compliance Rate
100%
Quality Score Avg
8.4/10
* Cost-per-bind calculated across all carrier partners, weighted by premium volume. Q4 2025.
We don't pause keywords. We own auction position.
Most agencies optimize for clicks. We optimize for bound policies. Every campaign structure is built backward from the carrier's bind rate, not the platform's suggested bid.
- Single-keyword ad groups across 4,200+ insurance terms
- Bid modifiers calibrated to carrier underwriting appetite by ZIP
- Ad copy tested against Quality Score, not just CTR
- Negative keyword libraries with 18,000+ exclusions
+312%
Increase in bound policies — auto vertical, Q3–Q4 2025
We see bind rates in real time. Your current agency sees CPA.
We integrated directly with 38 carrier bind APIs. When a vertical's bind rate drops, our system reallocates budget in under 90 minutes — before the wasted spend compounds.
- Live bind rate feeds from 38 carrier systems
- Automated budget reallocation when CPB exceeds threshold
- Weekly carrier P&L reporting with bind attribution
- Cohort analysis by ZIP, device, time-of-day, and ad copy
$612
Average cost-per-bind across all carrier partners · 2025
The numbers your current agency doesn't want you to see.
A Top 25 auto carrier came to us after 18 months of flat bind rates at $1,840 CPB. We rebuilt their entire auction structure from scratch. The P&L speaks for itself.
- Month 1: Audit revealed 62% of spend on irrelevant queries
- Month 2: Restructured to 847 SKAGs with fresh ad copy
- Month 3: CPB dropped from $1,840 to $1,100
- Month 6: CPB stabilized at $612 — 67% below industry average
67%
Reduction in cost-per-bind — same budget, same market
We speak TCPA
and Quality Score
in the same sentence.
Most agencies know media buying. We know insurance media buying — the regulatory layer, the carrier requirements, the consent architecture that keeps your legal team from calling on a Tuesday morning.
TCPA Compliant
All campaigns
SOC 2 Type II
Data handling
CCPA Certified
Consumer data
NAIC Compliant
Insurance regs
TCPA Architecture, Not an Afterthought
Every lead we generate carries documented consent with timestamp, IP, and form source. We built our compliance stack before our media stack.
Quality Score as a Compliance Signal
A 3/10 Quality Score isn't just expensive — it's a symptom of irrelevant landing pages that regulators notice. We maintain 8.4 average across all verticals.
Carrier-Grade Data Governance
Your campaign data stays siloed. We operate separate environments per carrier with zero cross-contamination of lead data or auction intelligence.
TCPA Violations — All Time
0
Across all carrier campaigns
Since 2019
The numbers don't
require a pitch deck.
"We were burning $340K a month on auto PPC and binding 180 policies. Underwrite took the same budget and delivered 490 binds in the first full quarter. The math was embarrassing for our previous agency."
172%
Increase in bound policies
Rachel Thorn
VP Growth · Meridian Auto Insurance
"Every agency said they understood TCPA. Underwrite is the only one that showed us their compliance architecture before we signed anything. Zero violations in 14 months."
0
TCPA violations in 14 months
Marcus Delgado
Director of Digital Acquisition · Pinnacle MGA Group
"Our cost-per-bind on health was $2,100 when we brought Underwrite in. It's $680 now. I stopped asking how they do it and started asking how fast we can scale."
$680
Cost-per-bind (was $2,100)
Diane Choi
Chief Marketing Officer · Apex Health Partners
Your current agency
is leaving policies
on the table.
Send us your monthly spend range and primary line of business. We'll run a full auction analysis — keyword gaps, Quality Score failures, TCPA exposure — and show you exactly what it's costing you per unbound policy.
What the audit includes
Prefer to read first?
Download the full carrier performance case study — a redacted P&L showing how we reduced cost-per-bind from $1,840 to $612 for a Top 25 auto carrier.