Direct Distribution Transformation

BOLT for Direct Distribution Transformation

The BOLT ecosystem provides the Direct Writer the ability to proactively offer and sell proprietary products, with bundled products from other carriers, to ultimately maximize customer solution ownership.

Challenges like limited products, limited competitiveness, state availability, and overall profitability are all solvable through BOLT Solutions.

Direct Writer Challenges

  • Traditionally Direct Writers launch with a monoline product, in a monoline channelThis leads to lower close rates, higher acquisition costs, and thus ultimately lower revenue per customer.
  • Customer Solution offer rates are statistically in the 35% to 40% rangeDirect Marketing is very competitive and expensive, and to finally get a prospect at the end of your digital funnel to say NO or sell them as a lead to another company 60% of the time is not productive nor efficient. No one wants to set up a digital strategy which plans on disappointing customers or Affinity Partner members most of the time.
  • A new Direct Writer may try to leverage existing customer service/support staff to take inbound callsService skills are not sales, and blending these areas may result in much lower bind rates and customer success.
  • Customers can be passed from agent to agentThis results in potential data loss (re-keying by agent) and poor customer experience.
  • Direct Writers have not generally operated in a multi-carrier modelThey don’t understand the nuances of managing a direct approach in this capacity.
  • A choice offer may exist, but disparate systems beyond just getting additional quotes are challengingThis includes other tasks like binding, CRM data entry, lead management, and other workflows outside of just the quote process.
  • The Direct Writer can lose control of the customer journeyThey may lose the ability to measure their success and the direct impact.

We’re here to help.

BOLT's Value Proposition for Direct WritersOur digital distribution platform provides a seamless end-user digital experience in the choice model environment for both Personal and Commercial Lines

Cust Ret

Enhanced customer satisfaction

A customer is coming to you because of your brand – if you can provide them the shopping and buying experience they expect – you own the Customer Solution


Proven digital transformation

BOLT has delivered this solution to leading insurance carriers and therefore has proven technology, process, markets, and people to demonstrate the instant success

More Revenue

Improved customer retention

A customer who does not have to go to a competitor for coverages you do not currently provide is much more likely to be a long term customer

omni channel

Increased sale of your products

By offering a choice, brand loyalty will lead to more of your own products sold

UW Prof

Improved sales efficiency

By leveraging a single platform that provides an end to end process to gather customer data, offer yours and other carrier options, and facilitates the bind process, the result is a much more streamlined sales process and timeliness to issue a policy

Case Study: Direct Auto Carrier with Homeowner Hand Off Process


Overview & Challenges

  • Auto Direct Carrier who offered homeowners products of other carriers through their home agency call center
  • Homeowner solution was a handoff to other carriers in a round robin fashion
  • Partners controlled bind rates, metric, and customer experience


  • BOLT platform deployed to homeowner call center with full partner carrier integrations – single input - multi-quote return
  • Retained control and ownership of the customer and customer experience
  • Integrated 3rd party data to online and offline quoting process to simplify and expedite the process
  • Quickly expanded to omnichannel capabilities - providing homeowners quotes online in a true choice model


  • Automated data entry to reduce errors and improve agent efficiency by 25%
  • Over 70% of quotes are completed - a 35% increase
  • When a quote is complete – 95% of consumers get a rate – up from an estimate of only 30%
  • Conversion rates soared
  • Call center sales agent adoption exploded – over 700 call center agents quote through the platform


  • The website became the #1 homeowners site in the world
  • 200,000 quote starts per month
  • Over 20,000 policies sold per month

Enabling Choice Model Digital Distribution

Choice Model

“The future of commerce is going to be multiple suppliers, enabled by technology, partnering together to bundle products, while proactively solving the greater problem for customers.”