Cross-Sell Automation
The fastest path to a compounding insurance book is not new-business acquisition — it’s deepening the households you already have. Most agencies have a 1.4 policies-per-household ratio. Top-quartile agencies run 2.7+. The snapshot’s cross-sell engine is what closes that gap.
The 48-hour auto-to-home trigger
The single highest-converting workflow in the snapshot. The moment an auto policy binds, a 48-hour wait fires, then a sequence asks:
“Quick question — is the home or condo on your auto policy actually insured with another carrier? We can usually bundle and save you $400+ per year. Want me to pull a quick comparison?”
The 48-hour wait is deliberate. Sooner feels like a hard sell. Later loses the recency of the auto-bind moment. The conversion rate from this single trigger turns auto-only households into auto+home households at a rate most agencies don’t believe until they see it.
Auto + home → life in 30 days
After auto + home are both bound, a 30-day wait fires the life-insurance conversation. The household has just experienced two successful binds with your agency — they’re at peak trust. The life conversation lands.
HNW → umbrella trigger
The moment a household qualifies as HNW (home insured value > $500K, or auto + home + executive household profile), the umbrella trigger fires. Asset-screening intake → producer-led umbrella conversation.
Lifecycle event triggers
Beyond the structured sequence, the cross-sell engine fires on lifecycle events:
- New car bought → policy + finance / lease tracker
- New home bought → home policy quote + auto policy update
- New baby → life policy increase + 529 conversation (referral partner)
- New business → BOP + commercial liability conversation
- Aging into 65 → Medicare T65 funnel
Producer leaderboard attribution
Every cross-sell credit attributes to the producer who set up the household, not whoever happens to write the new policy. Protects the producer-household relationship and prevents poaching inside multi-producer shops.