Acquire Customers Where
They're Already Active
HIQOR delivers pre-qualified, intent-rich customers through embedded distribution— at a fraction of traditional acquisition costs.
Why Carriers Partner With HIQOR
Traditional distribution is broken—expensive, slow, and full of unqualified leads. HIQOR fixes that with embedded, event-triggered distribution.
Pre-Qualified, Intent-Rich Leads
Every lead comes from someone actively participating in a covered activity. No cold lists—just warm, verified participants who've already shown buying intent.
Dramatically Lower CAC
Skip the expensive ad spend. Our embedded distribution model delivers customers at a fraction of traditional acquisition costs—often 70-80% less.
Recurring Revenue Stream
Event-based coverage creates natural renewal cycles. Active participants become repeat customers through gym memberships, race seasons, and adventure schedules.
Superior Risk Data
Access real-time activity data, health signals, and event participation patterns that improve underwriting accuracy and reduce claims volatility.
Younger Demographics
Reach the 25-45 active lifestyle segment that's historically hard to acquire—through the activities they're already engaged in.
Instant Activation
Coverage activates automatically at event start and deactivates at event end. No manual processing, no paperwork, no friction.
How It Works For Carriers
We handle the distribution infrastructure. You provide the coverage. Together, we create a new category of insurance.
We Integrate With Event Platforms
HIQOR embeds seamlessly into gyms, race platforms, rental services, and adventure operators. Coverage is offered at the moment of purchase or check-in.
Participants Receive Coverage
During checkout or registration, participants receive comprehensive coverage. One-click activation with instant protection.
Coverage Activates Automatically
When the event starts—race gun fires, gym check-in, rental begins—coverage goes live. When it ends, coverage deactivates.
Rich Data Flows to You
Activity type, duration, frequency, health signals, and demographic data enhance your underwriting models and customer profiles.
Race Day Coverage Lead Flow
Discover how our embedded platform delivers biometrically-enhanced leads with TCPA consent, health signals, and verified participation data from race event partners.
Underwriting Intelligence
Traditional Carriers Can't Access
Event-triggered coverage generates rich, real-time data that transforms how you assess risk and price policies.
Real-Time Activity Signals
Know when participants are active, what they're doing, and how often
Risk Window Precision
Coverage aligned to actual exposure windows, not estimated time periods
Behavioral Underwriting
Participant history, frequency, and activity type inform risk profiles
Verified Participation
Biometric check-ins and event triggers eliminate fraud and false claims
HIQOR vs Traditional Distribution
See how embedded, event-triggered distribution outperforms legacy channels.
| Metric | Traditional | With HIQOR |
|---|---|---|
| Customer Acquisition Cost | $150-400 | $25-60 |
| Time to First Policy | Days to weeks | Seconds |
| Lead Quality | Cold/Unknown | Warm/Verified |
| Risk Data Available | Self-reported | Real-time verified |
| Renewal Friction | High | Automatic |
| Distribution Cost | Agent commissions | Platform fee only |
Coverage Categories We Support
HIQOR activates coverage across diverse event types—each with unique risk profiles and premium opportunities.
Fitness & Gyms
Tap into the $96B fitness industry with real-time workout data
Running & Race Events
Cover 35M+ annual race participants with event-specific policies
Outdoor & Adventure
Underwrite adventure activities with real-time safety data
Wellness & MedSpa
Cover the $1.8T wellness industry with practitioner-verified policies
Ready to Transform Your Distribution?
Join forward-thinking carriers who are acquiring customers through embedded, event-triggered distribution. Let's build the future of insurance together.
Currently partnered with leading carriers including Mutual of Omaha