How Pearl
Works.
You Order Coverage
Chat, voice, or the 60-second wizard — one intake covers every carrier. Stop anytime; everything is saved and our follow-ups bring you back to the exact step you left.
The Algorithm Routes
Your order is assigned to the best licensed agent for your line + state, scored on rating, delivery speed, bind rate and defect history. Every decision is logged and auditable.
Executors Quote
Playwright robots log into real carrier portals and rate your risk in parallel — you watch live progress bars, carrier by carrier.
Customize & Bind
Tune limits and deductibles with live re-pricing, e-sign the authorization, and you're covered. ID cards land in your inbox.
The Buy Box
Every product features one seller — the Buy Box winner — chosen by a weighted score over signals we measure from real orders: customer rating, quote speed, quote→bind conversion, defect rate, fleet fulfillment, and a capped sponsored boost. The weights are re-tuned continuously by our RSI loop from actual outcomes. Sellers can't buy the Buy Box; they can only earn most of it.
⚡ Fulfilled By Pearl
FBP means the seller's carrier appointments are plugged directly into our executor fleet — quotes run 24/7 under their appointments, with the seller as producer of record. FBP orders are the fastest and most reliable, and the algorithm knows it.
Six signals, weighted and renormalized continuously by the RSI loop from real order outcomes. The weights below move inside guard rails — they can drift with the evidence, never explode — and every placement they produce is logged with its full score snapshot.
Are the quotes real, or estimates?
Real. The executor fleet logs into actual carrier portals and rates your submitted risk facts — the number in your table is the carrier's number, subject only to their final underwriting.
Why would agents join a marketplace that ranks them?
Because the ranking is earnable, the data entry is automated, and orders arrive routed instead of cold. Great agencies do disproportionately well when merit is measured.
What does Pearl cost the shopper?
Nothing — shopping is free and unbound orders cost $0. Producers earn standard carrier commissions on bound policies, exactly as they would anywhere.
What happens to my data if I walk away?
Your draft stays encrypted so you can resume; reply stop to any follow-up and contact ends. We don't sell data — see the Trust Center for the full architecture.
Can I still talk to a human?
Anytime — say human to the concierge and a licensed agent calls you. Robots type; humans judge.