Frequently asked questions

Straight answers on coverage parity, pricing, agents, carriers, and the demo — each linked to the product surface that proves it.

Educational demo FAQ — not insurance advice, not a binding offer, and not a licensed brokerage disclosure. Quotes and savings figures in the product are illustrative.

Path /faq · also see pricing FAQ and investors FAQ.

What is Parity?

Parity is a multi-sided insurance marketplace demo: households inventory policies and run exposure-aware compares; agents get quality-scored, opt-in intent; carriers and partners see demand without dialer spam. The promise is same or better coverage for less — without increasing exposure.

• Parity promise
• Moat story
• 90s demo

Is Parity free for consumers?

Yes in this demo — and the product thesis keeps households free. We illustrate agent seats and partner tiers for shaped demand and workflow, never for burying exposure warnings or auctioning phone numbers. See /pricing for illustrative GTM stubs.

• Pricing
• Growth waitlist
• Consumer quick start

How does coverage parity compare work?

Compare walks dimension-by-dimension (limits, deductibles, exclusions) and flags amber/red when a cheaper quote silently cuts exposure. The engine is educational and local — not a live bind. Start from inventory, then open Compare.

• Compare
• How compare works
• Policies inventory

How do independent agents join?

Licensed producers apply at /agents/join, complete the certification checklist stub for a verified chip, then work the intent inbox with SLA timers and quote packs. Seats on /pricing are illustrative until production billing.

• Join as agent
• Certification
• Intent inbox

What do carriers get?

Carriers see appetite-matched intents, fill-rate loops, SLA scorecards, and a sandbox quote simulator. Public invite lands on /carriers/join (waitlist source=carriers). Nothing here is a live submission path.

• Carrier invite
• Appetite editor
• Fill-rate loop

How do partner embeds and affiliates work?

Partners get referral codes, an iframe gap widget, webhook stubs, and an onboarding wizard (API key → webhook → embed → attribution test). Revenue-share estimates are SAMPLE local stubs.

• Partners
• Embed & affiliate
• Onboard wizard

How do referrals and the waitlist work?

Households and partners join via /growth with invite codes and UTM stubs. Attribution feeds the founder waitlist CRM, virality chart, and referral leaderboard — all localStorage, privacy-safe labels.

• Growth loops
• Referral leaderboard
• Waitlist CRM (demo)

Does Parity cover health insurance?

The demo includes an educational health hub with filed vs modeled cost honesty (deductible vs OOP). It is not benefits enrollment, not EOBs, and not medical advice. P&C parity remains the beachhead.

• Health hub
• Deductible vs OOP
• Trust center

Is this a live insurance brokerage?

No. This repository is a production-quality local demo: Next.js, TypeScript, client-first localStorage. No licensed sales, no live carrier binding, no multi-tenant auth. Treat PRODUCT_STATUS.md and /docs as the honest boundary list.

• Docs
• Trust center
• Security posture

Where do I check status, privacy, and accessibility?

Public trust surfaces live at /trust, /privacy, /accessibility, and /status (ops history seed). Consumer export/delete stub is at /app/privacy. Founder internals under /internal/* are noindex demo tools.

• System status
• Privacy
• Accessibility
• Export / delete