The Lead Market Is Broken. We Built the Fix.
No quality intelligence. No conversion insight. Just flat-rate CPA and waste baked into every budget. RiskLync's ZipLync scores leads before you buy. ProLync tells you who will enroll. Together they power the only intelligence layer for Medicare and P&C lead acquisition.
88x
Lead quality lift
<250ms
End-to-end
9 Models
5 verticals
ZipLync Scoring
Phone + ZIP intelligence
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Scoring...
Bid Optimizer
CPA target: $45
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Calculating...
Response time
...
The insurance lead market is flying blind.
$50 billion in annual lead spend. Zero pre-purchase quality scoring. No fraud filtering. No early warning when carriers pull out of markets. RiskLync changes all of it.
You pay the same flat rate for every lead — whether it converts or not. Without scoring, your best leads subsidize the worst. 30-40% of every dollar is wasted on leads that were never going to close.
Recycled leads, spoofed numbers, and incentivized clicks drain budgets. Without identity resolution and fraud detection, bad actors profit while your CPA climbs.
When carriers exit markets or reduce service areas, agents have weeks to find affected policyholders. Without proactive intelligence, renewals are lost and books erode silently.
Score every lead. Resolve every identity.
Know every geography.
RiskLync combines predictive scoring, identity resolution, geographic risk intelligence, and fraud detection across Medicare and P&C insurance — telling you which leads will convert before you spend.
ZipLync Scoring
Every lead · Sub-100ms
Every lead is scored for conversion probability using 29+ predictive signals — before you pay for it. Our models separate high-intent prospects from waste with 88x accuracy between best and worst tiers.
- 88x quality lift from best to worst tier
- Tier 10 leads convert at 9.66%
- Scores returned in under 250 ms
ProLync Scoring Suite
4 models · 256M records · 60ms
Four specialized models score every lead against 256M consumer records. Each model targets a specific Medicare product — MA, DSNP, CSNP, and SNP — with dedicated features and identity resolution.
- ProLync:MA — 750x lift, Medicare Advantage
- ProLync:DSNP — 99.8x lift, Dual Special Needs
- ProLync:CSNP — 49x lift, Chronic Special Needs
- ProLync:SNP — 91x lift, Combined SNP (0.776 AUC)
ZipLync:Homeowner
37K+ ZIPs · Sub-250ms
ZipLync:Homeowner evaluates every P&C lead against 89 features from FEMA hazards, home values, flood claims, crime data, and more. Know which ZIPs have insurable homeowners before you bid.
- 7 government data sources, 89 features
- 8x insurable value separation T10 vs T1
- Adaptive: ZIP + phone + IP scoring
ShieldLync
Market exit intelligence · Proactive alerts
When carriers exit markets, reduce service areas, or terminate plans, RiskLync identifies affected policyholders before open enrollment. Agents get weeks of lead time instead of days to protect their book of business.
- Tracks carrier plan changes across all markets
- Flags at-risk policyholders before they churn
- Suggests replacement options automatically
Quality in. Waste out. Fraud caught.
Whether you're acquiring new customers or protecting existing ones, RiskLync gives you the intelligence to spend smarter, route sharper, and catch problems before they cost you.
More volume. Better quality.
Same budget.
BidLync doesn't make you choose. By declining leads that won't convert, your budget is reallocated to leads that will — giving you more conversions at a fraction of the CPA.
Your daily budget
$5,000
Without BidLync
Flat-rate bidding at $50/lead across all tiers
Leads purchased
100
Blended conversion rate
5.50%
All tiers weighted
Conversions
6
Effective CPA
$833
BidLync
Intelligence
With BidLync
CPA-optimized — T1-3 declined, budget reallocated to T4-10
Leads purchased
178+78
Avg conversion rate (T4-10)
9.00%+3.5%
Conversions
16+10 more
Alpha CPA (T8-10)
$20076% lower
Blended T4-10: $313 (62% lower)
Alpha Tier Breakdown (T8-10)
Leads
50
Conv. rate
14.0%
Conversions
7
Try it yourself
Score a real lead — no signup required.
Try a Live Score
Enter any US phone number and ZIP code. See a real ZipLync score in real time. No signup required.
Intelligence at every stage of the funnel
From the first lead to the final conversion, RiskLync applies predictive scoring, identity verification, and fraud detection to maximize quality and minimize waste.
Predictive Lead Scoring
Every lead is scored for conversion probability before purchase. Our models use 29-45 proprietary behavioral and geographic features including consumer demographics and market signals to separate winners from waste.
Identity Resolution
Leads are matched against 256 million consumer records to verify identity, detect duplicates and recycled leads, and enrich with demographic and behavioral data. Fraudulent leads are caught before they enter your pipeline.
Autonomous Optimization
AI agents continuously recalibrate based on conversion outcomes. As results flow back, the system gets smarter — suppressing low-quality sources and doubling down on what works. Every 15 minutes.
See the impact in days, not months.
Start with a free retro study on your existing leads. We'll show you exactly where the waste is — and how much scoring would save you.
1. Share your data
Send us a disposition file or connect your lead sources. We'll score your historical leads and show you where your budget is going — and where it's being wasted.
2. See your quality map
Within 48 hours, you get a full breakdown: which leads converted, which didn't, which were likely fraud, and how much you could save with pre-purchase scoring.
3. Turn on live scoring
Connect your lead sources to RiskLync. Every lead gets scored in real time. Quality goes up, waste goes down, and the models get smarter with every outcome.
Works with your existing stack
27 live integrations across call tracking, lead distribution, contact centers, and CRMs. Add BidLync as a target in your platform in under 5 minutes.
Set your CPA target.
We handle every bid.
ZipLync pre-bid scoring. ProLync enrollment prediction. ZipLync:Homeowner geographic intelligence. Nine models across five verticals — validated on 131K leads and $4.8M in spend.
Questions buyers ask
How does RiskLync score insurance leads before purchase?
RiskLync's ZipLync model scores lead quality from phone and ZIP in sub-250 ms before a bid is placed, delivering up to an 88x quality lift so buyers pay more only for leads likely to convert.
What is lead quality scoring for Medicare and P&C insurance?
Lead quality scoring uses predictive models to estimate how likely a lead is to convert before you buy it. RiskLync scores Medicare leads (ZipLync/ProLync) and P&C leads (ZipLync:Homeowner) using phone, ZIP, and geographic risk signals.
How fast is RiskLync lead scoring?
Both ZipLync pre-bid scoring and ProLync post-acquisition scoring return results in sub-250 ms P95. The full ping-to-bid pipeline runs under 250 ms end-to-end.
What is the difference between ZipLync and ProLync?
ZipLync is a pre-bid model that scores leads from just phone number and ZIP code in sub-250 ms, ideal for real-time bidding decisions. ProLync is a post-acquisition suite (MA, DSNP, CSNP, SNP models) that uses identity resolution with name, age, and gender for deeper scoring after a lead is purchased.
Does RiskLync work for P&C insurance leads?
Yes. ZipLync:Homeowner scores P&C leads using geographic risk intelligence across 37,000+ ZIP codes, incorporating FEMA natural hazard data, wildfire risk, flood zones, and 89 total features from 7 government data sources.
How much can RiskLync reduce my cost per acquisition?
In validated retro studies, RiskLync's scoring cut effective CPA by roughly 50% by filtering out low-quality leads before purchase. 70% of conversions come from 20% of leads — we find that 20% before you buy. Results vary by lead source and campaign configuration.