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Industries · Insurance · P&C · Life · Health and Medicare · Agencies · Carriers

Insurance, from the households shopping for a quote this week to a modeled book across every line.

An independent agency wants the households in its county researching auto insurance quotes this week, with the vehicle in the garage. A carrier wants every policyholder, lead and quote resolved to one person across lines and measured against CTV and mail. Vehicle, property, household, life-event and daily intent fields on 240M adults serve both.

Book a free demo Start at rung one

Marketing data, modeled and non-FCRA: it finds and describes prospects and never decides who is insurable or at what rate.

  • Vehicle year, make, model and lien; home value, dwelling type and ownership; household composition and the life events that trigger a quote.
  • Daily intent on auto, home, life, health and Medicare insurance terms, quotes, switching and the carriers by name.
  • Every phone with a do-not-call flag and a line type, and every email validated, before an agent dials or sends.
Ad Audiences · Auto quote shoppers · 2 counties · 14,300 households
SegmentVehicle 2 to 8 years oldHomeownerAge 30 to 64Within 2 counties
SignalsAuto insurance quotesSwitch car insuranceVisited a competing carrier's site
ExcludedCurrent policyholders · 6,700
PushedMeta · 61% matchedGoogle · 55%Direct Mail · 4,000
Push to MetaMail the top 4,000Send to the CRM
240M+US adults in the graph
120Mbusinesses, with the people in them
2Tintent signals read a day
400+attributes on a person

What the graph holds for insurance

The fields an underwriter never sees and a marketer always needs.

Four of the sixteen bundles, picked for this industry. See everything in the graph →

VehicleEvery vehicle in the garageYear, make, model, trim, new or used, purchase date and lien, for auto-line audiences and bundling.Open this table in the data dictionary → Household & propertyAbout 250 fields on where they liveOwnership, dwelling type, home value, year built, pool and the new-mover and life-stage flags that trigger home, renters and life quotes.Open this table in the data dictionary → Intent & linkagesWhat they research, and how the keys joinDaily scores on every line's quote and switching terms and on the carriers by name, joined to the household.Open this table in the data dictionary → PhonesChecked before you see themLine type, carrier, do-not-call status and a quality score on every number, so agents dial only what they may.Open this table in the data dictionary →

The ladder · simplest to largest

Five rungs, from one agency's calling list to the carrier's warehouse.

Insurance marketing is governed by TCPA, state insurance departments and, for Medicare, CMS, so each rung names the rule beside the product. Agencies live on rungs one to three; carriers and large brokers reach five.

Rung 1 · Day one

An independent agency, a captive agent, a small brokerage

Pull this week's quote shoppers in your county, and see who visited the quote page.

Build one US Consumer Data segment: households in your county researching quotes for the line you sell this week, with the vehicle or property fields attached, validated phones with do-not-call flags, and addresses. Put the Website ID tag on the agency site and see which households started a quote last night.

  1. Build the segment in US Consumer Data: county, line, this week's research, vehicle or property fit.
  2. Install the Website ID tag; by tomorrow the households on the quote pages are in the app.
  3. Call the numbers that clear the do-not-call flag; mail the rest.
US Consumer DataWebsite ID
Rung 2 · First month

An agency with a media budget, a regional brokerage, a carrier's local marketing team

Advertise to the shoppers, suppress policyholders, and mail the life events.

Ad Audiences turns the segment into hashed audiences on Meta, Google, YouTube and CTV, refreshed weekly as intent moves. Smart Exclusion keeps policyholders out of acquisition spend. Direct Mail runs life-event drops, new movers, new vehicles, new parents, in home within a week, matched back to quotes and binds by address.

  1. Build line-by-line audiences in Ad Audiences; match rate per platform shows first.
  2. Load the book into Smart Exclusion; excluded everywhere, refreshed as policies bind.
  3. Run life-event drops through Direct Mail; match back by address.
Ad AudiencesSmart ExclusionDirect Mail
Rung 3 · First quarter

An agency or a broker with an AMS or CRM, a call center and a renewal team

Enrich the book, and watch it for cross-sell and the week a policyholder shops.

Enrich appends vehicle, property, household and life-stage fields to every policyholder and lead, written back through Integrations, so the renewal team sees the second car and the new home. Pulse watches the book and the lost-quote list for the week someone researches another line or a competitor, and routes the alert to the agent of record.

  1. Enrich the book and the lead list with Enrich; the match rate shows first.
  2. Put policyholders and lost quotes on Pulse; weekly, who is shopping what.
  3. Route through Integrations to the agent of record and the renewal team; score by bundle fit and intent heat.
EnrichPulseB2B Data
Rung 4 · First year

A carrier's marketing team, a large broker, an insurtech with an analyst

Model who quotes and who binds, and feed the competitors' shoppers.

Join enriched household fields and identified Website ID visitors to quotes and binds, fit a quote-and-bind model per line, and score prospects and visitors daily by API. Seed Ad Audiences with the top decile; scope a Custom Intent Feeds feed on your lines, your brand and the carriers you lose to. Marketing only: underwriting and rating never see it.

  1. Train per line: vehicle and property fields, life stage, mover status and topic recency carry most of the signal.
  2. Score daily by API or through the MCP server; refresh audiences, mail and suppression together.
  3. Build the Custom Intent Feeds feed to a written scope: lines, brand, competitors, states.
Custom Intent FeedsEnrichWebsite IDAd Audiences
Rung 5 · At scale

A carrier, a national broker, a Medicare marketing organization

License the graph into the warehouse and resolve every line, brand and agent to one policyholder key.

Enterprise delivers the graph on a schedule to the marketing warehouse, resolves lines, brands and agency CRMs to one person, runs matching with media partners in the Clean Room, and streams audiences to The Trade Desk integration for CTV and programmatic. Medicare and health campaigns run under CMS rules on the compliance team's terms. A proof of concept on your policyholder file comes first.

  1. Proof of concept: the policyholder file against the graph, match rate and coverage reported.
  2. Scheduled warehouse delivery; one policyholder key across lines, brands and agents.
  3. Clean-room measurement of CTV, programmatic and mail; feeds by API.
EnterpriseCustom Intent FeedsAd AudiencesSmart Exclusion

What insurance teams use it for

What agencies, brokers and carriers run on the graph.

Quote-shopper audiences by line

Households researching quotes for your line this week, with the vehicle or property fields, hashed to Meta, Google and CTV.

Ad AudiencesUS Consumer Data

Policyholder suppression

The book excluded from acquisition spend on every platform, refreshed as policies bind.

Smart Exclusion

Who started a quote

Households on the quote pages last night with their fields, routed to the agent.

Website ID

Book enrichment

Every policyholder filled with vehicle, property, household and life-stage fields for cross-sell.

Enrich

Retention on intent

Policyholders researching quotes or a competitor this week, before the renewal letter.

Pulse

Bundle cross-sell

Home-only customers with a new vehicle, auto-only customers who just bought a home.

EnrichPulse

Medicare and health enrollment

Age-based households in the plan's counties during enrollment windows, under CMS marketing rules.

US Consumer DataAd Audiences

Commercial lines

Owners, finance and HR leaders at businesses in the territory, phones validated.

B2B DataChrome extension

Competitor-carrier feeds

Households researching the carrier by name, delivered daily.

Custom Intent Feeds

Agent-network programs

Territory audiences and mail for captive and independent agents under the carrier's brand.

EnterpriseAgency DaaS

Use it right

Non-FCRA, TCPA-checked, and CMS where it applies.

What applies when the buyer sells insurance. Your compliance team decides; this is how the data behaves.

  • Non-FCRA. DataMoon data is not a consumer report. It finds and describes prospects; it never decides insurability, eligibility or rate, and it is never used for underwriting.
  • Calling and texting. Every phone carries a do-not-call flag and a line type. TCPA consent for texts and autodialed calls is yours to obtain; insurance call centers usually dial only numbers that clear the flag and hold consent.
  • Medicare and health. CMS marketing rules govern Medicare Advantage and Part D outreach, and health plans carry their own rules; the data finds households, your compliance team sets the practice.
  • State insurance departments. Advertising and rebating rules vary by state; your copy follows them.
  • Your book. Policyholder files used for suppression or enrichment are hashed and matched; they stay yours, and opt-outs are honored on every refresh.

Questions

Questions an agency principal asks first.

Can we use this for underwriting or rating?

No. The data is modeled marketing data and non-FCRA. It finds and describes prospects; underwriting and rating use the sources your carrier approves.

Can we see the vehicle in the garage?

Yes. Vehicle year, make, model, trim, new or used, purchase date and lien are fields on the household, from registration and sales records joined to the person.

Can we keep policyholders out of our ads?

Yes. Load the book into Smart Exclusion, hashed. Each policyholder expands to every identifier the graph knows and is excluded on every platform and from every mail drop.

Does Medicare outreach work?

Age-based households in the plan's counties can be built as audiences and mail lists; what you may say and when is governed by CMS marketing rules, which your compliance team applies.

What does an enterprise engagement look like?

A proof of concept on your policyholder file, then scheduled delivery of the graph into the marketing warehouse, identity resolution across lines, brands and agents, clean-room measurement, and agent-network programs under your brand, on an annual contract.

Other industries

The same graph, a different ladder.

Financial ServicesAutomotiveHealthcareReal EstateAll industries

Book a free demo

Bring one line and one county. We count this week's quote shoppers on the call.

Thirty minutes with a person who knows insurance marketing rules: the tag on your site, one quote-shopper segment counted with its match rate, your book's overlap with the audiences you run today, and the next rung written down.

Book a free demoSee how it works

Thirty minutes, live on your own data. A person who knows the products and this industry runs the call. By continuing you accept the DataMoon terms.