Household Referral Program
Referred-in households are the highest-LTV, lowest-acquisition-cost, longest-retention prospects in any insurance book. Almost no agency runs a real referral program because nobody sets it up. The snapshot’s referral engine ships ready.
Peak-trust trigger timing
The referral ask fires at the two moments of highest customer satisfaction:
- After a successful claim closes with a 5-star satisfaction rating
- After an annual review that resulted in a positive coverage update or cross-sell
Asking outside those windows is either too early (no trust yet) or too cold (the moment has passed). Inside those windows, the conversion rate climbs 4–6x.
The ask itself
Single SMS, single question: “Quick favor — if you know anyone else who could use a [line-of-business-specific] review like the one we just did for you, we’d love an intro. Just reply with their first name + number and I’ll reach out gently.”
The producer reviews the reply and decides whether to make the outreach. AI does not directly contact the referred name — that would be cold-SMS territory.
Producer leaderboard
Multi-producer agencies get a monthly leaderboard with referral attribution:
- Referrals received (by producer who set up the originating household)
- Referrals converted to quotes
- Referrals converted to bound policies
- Average household premium of converted referrals
The leaderboard is the single most-motivating retention-side metric in a producer-driven shop. We see agencies move 30%+ of new business to referred-in within 6 months of running it.
Auto gift-card fulfillment
When a referral converts to a bound policy, the snapshot auto-triggers a gift-card fulfillment (typical: $25 Starbucks for an auto bind, $100 Visa for a life or commercial bind). Configurable per line. Closes the loop without producer admin work.
Two-sided fulfillment
The referrer gets the gift card; the new household gets a “welcome to the agency, here’s $50 toward your first month” credit. Both sides feel the agency value the relationship.