01
An opt-in tied to the moment that produced it.
Every routed lead carries the source context. Structured for ingestion, intact for audit.
For carriers, brokers & reinsurers
Demand that arrives consented and in context.
The hardest part of new distribution isn’t underwriting, it’s the introduction. We route opt-ins captured at the moment of trust to the desk with appetite for them.
For underwriters
Consent-first distribution, in-context demand, structured handoff
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What you receive
Cleaner demand, structured for the desk that handles it.
An opt-in from Couvaro is a consented expression of interest, in context, routed to a partner whose appetite fits.
02
An explicit consent record, auditable end to end.
What the customer agreed to, when, where. No silent enrolment, no inherited consent.
03
A routing decision that matches your appetite.
Configured against the appetite you have today, not a marketplace bid.
04
A handoff your ops team can ingest.
Structured payloads, predictable fields, reconciliation back to the moment. Less inbound lead, more prepared file.
The signal set
The context that travels with the opt-in.
Enough to make the underwriting easier, never more than the customer agreed to share.
Consent
Explicit, scoped, recorded.
Timestamp, device, host, product. You receive the consent context, not just the result.
Source moment
Where the yes happened.
Gym floor, dental chair, spa booking, clinic intake. The frame that made the offer make sense.
Service shape
What was being protected.
Treatment, session, package, service category. Underwritable shape, not a sales note.
Identity
Verified to the level needed.
Scaled to product and jurisdiction. Sufficient for the bind, never inflated.
Engagement
Patterns of the relationship, not the individual.
Aggregate signals where consented. Tunes routing, never penalises a customer.
Outcome
A loop, closed.
Bind, decline, or no-action reconciled back to the moment. Routing improves accordingly.
How we operate
A posture your compliance team can live with.
Built on the assumption everything we collect will be examined. The posture below is how we work, not a marketing claim.
Consent
Explicit, nothing inferred.
No silent opt-ins. No pre-checked boxes. Scope captured at the moment, travels with the record.
Data
Scoped to the routing decision.
Only what’s required to route and underwrite. Nothing retained beyond that, nothing resold.
Authorisation
Licensed parties do licensed work.
Couvaro is routing infrastructure, not a substitute for the licence chain.
Audit
A trail you can follow.
Every opt-in is reconstructable end to end. Built for the inevitable question.
Security
Treated as the substrate.
Encryption in transit and at rest, scoped access, retention discipline.
Alignment
Incentives that point the same way.
We participate in conversions, not volume. No incentive to widen the funnel past what the moment supports.
Carrier & broker questions
What underwriting desks ask before the first pilot.
If yours isn’t here, the answer is a short email away.
01 Is Couvaro another aggregator? +
No. Aggregators auction generic intent to the highest bidder. We route consented opt-ins captured inside a specific moment to the desk with appetite for it. No auction, source context preserved.
02 How do you decide which desk a given opt-in goes to? +
Appetite, capacity, geography, line of business, track record. If no partner fits, the routing layer says so rather than forcing a poor match.
03 What does our integration look like? +
Structured payload over a documented endpoint, a file drop, or a feed into your existing system. Looks like a prepared file, not noisy inbound.
04 How is data minimisation handled? +
Only what the routing decision and underwriting require. Sensitive fields are scoped and time-bounded. If a field isn’t needed, it isn’t in the payload.
05 What products fit best? +
Short-duration, moment-shaped protection: day-of, treatment-day, visit-day, package-day. Also longer-form where the moment is the right entry point.
06 How are pilots structured? +
One or two hosts, one desk, a defined geography and measurement window. Success criteria agreed before any opt-ins are routed.
For carriers, broker networks & reinsurers
Receive the demand your desk was built for.
Appetite for moment-shaped coverage, ops that can ingest a structured opt-in. Pilots move fast when the fit’s aligned.
Reach us directly
info@couvaro.com