Insurance distribution hasn't structurally changed since the fax machine: you ask one agent, who asks a few carriers, who answer at their leisure. Everyone in that chain is paid except the person waiting. We rebuilt the chain as a marketplace — the shopper orders coverage like a product, licensed agencies compete to fulfill it, and industrial automation does the slow part at machine speed.

The result is a strange and wonderful inversion: the shopper gets the whole market's answer in an hour, agents spend their time on judgment instead of data entry, and carriers win business on price and appetite instead of inertia.