Coverage parity. Price progress. Transparent markets.

Parity helps households get the same or better coverage for less — without increasing exposure — and gives independent agents quality-scored, opt-in intent instead of cold-lead auctions. Consumers inventory policies, run dimension-by-dimension parity compares, shop illustrative quotes, and understand health total cost with filed vs modeled honesty.

• Consumers: free advisor → inventory → parity → shop → opt-in agent contact.
• Agents: shaped intent inbox, regional density, quote bridge, trust/SLA stubs.
• Carriers / employers: early-access demand and education — not spam volume.

Personal lines P&C (and adjacent health transparency education) where households overpay, under-insure, or freeze because “cheaper” often means silent exposure cuts. Beachhead: dual-income households in competitive metros (DFW demo) plus boutique agents tired of dialer auctions. Employers and carriers are tertiary early-access surfaces.

• Problem: premium-only shopping hides liability, dwelling, and OOP regressions.
• Lead markets are adversarial — CAC rises while close rates fall.
• GTM: education → advisor → inventory → parity → shop → opt-in intent (demand shaping).

Compounding graphs and workflow embedding — not paid acquisition alone. Late capital can clone UI and buy traffic; it cannot instantly recreate normalized coverage, longitudinal intent, agent trust, or regional demand density.

• Coverage graph: limits, deductibles, exclusions normalized across quotes.
• Intent graph: advisor + inventory + compare sessions scored for agents.
• Trust graph: response time, win rate, ratings, “did exposure increase after bind?”
• Demand density: ZIP/metro clusters of shaped intent, not zip spam.
• Score it yourself on /internal/moat (local 1–5 ratings + notes).

Consumers stay free. Agents and partners pay for shaped demand and workflow — seats / success fees aligned with trust, not placement fees that bury exposure. Illustrative tiers live on /pricing; this demo does not process payments.

• No phone auctions; no ranking quotes by who paid to hide thinner BI.
• Agents: seats for intents that already completed coverage work.
• Partners: early-access demand signals and education — not dialer volume.

This repository is a production-quality product demo: Next.js App Router, client-first, localStorage persistence, rich seeded household, smoke/verify green. It is not a licensed insurance agency, live bind engine, or multi-tenant backend. Treat PRODUCT_STATUS.md as the honest boundary list.

• No real insurance sales or binding; quotes are illustrative.
• No server auth; no live hospital MRF crawl; OpenAPI stubs only.
• PWA offline shell does not sync policies or health data.
• Clearing site data wipes the demo — export JSON like a document.

Insurance distribution is regulated; trust and honesty must stay ahead of growth theater. Key risks are regulatory/licensing, cold-start of coverage and intent graphs, agent supply quality, and the temptation to monetize like a lead mill — which would destroy the brand promise.

• Licensing / producer rules vary by state — demo stubs ≠ production compliance.
• Graphs need real household and agent usage to compound; ads alone do not invent them.
• Health transparency samples are educational (filed | modeled) — not EOBs or advice.
• Misaligned monetization (bury exposure for placement) is an existential brand risk.