Closedblock reads your in-force book — commission statements, case files, carrier PDFs — and turns the policies nobody is watching into ready-to-work opportunities for your producers.
Every brokerage is sitting on orphaned and under-serviced policies: writing agents retired, conversion windows expiring quietly, underfunded ULs drifting toward lapse. The tools that exist are dashboards — they show a person where the problems are, then wait. Meanwhile the book ages, the agent force shrinks, and the opportunities expire unworked.
Your book, in whatever form it exists: AMS exports, commission statement PDFs, carrier portal downloads, scanned case files, a shared folder. No reformatting, no data project, no IT ticket. We take it from there.
Closedblock reconstructs each policy, detects what needs attention — lapse risk, expiring conversion windows, stopped premiums, overdue reviews — and ranks every opportunity in your book.
Each opportunity arrives as a deal packet: the policy, the reason to act now, options prepared for review, a drafted client letter, and call prep. Your reps pull from a ranked pool — highest-priority packet next — have the conversation, and record the outcome. Business, spoon-fed.
Premium has not changed since issue in 1998. Cash value is declining; current funding projects lapse at age 78.
One page. The policy reconstructed from your records. Why now. Options prepared for your producer's review. A client letter, drafted. Every data point tagged with where it came from.
Your reps work in Closedblock. Your clients only ever see you — packets present under your agency's letterhead, and anything that reaches a policyholder carries your name, not ours.
A flat annual fee per policy under management. Covers monitoring, analysis, the producer application, and every packet generated. Deliberately thin — it keeps the lights on.
A success-based share of first-year commission on placements the system sources. If the system doesn't produce closed business, this is zero. And when the right answer for a client is to keep their policy exactly as it is, we take nothing.
A thin platform fee, and upside only when there's upside. Most of our compensation is at risk behind your results — no surprises, that's the model.
Talk through the numbers for your bookPacket options are ranked by fit for the policyholder — never by commission. Conservation, reduced face, and paid-up elections are first-class outcomes, and your licensed producers make every recommendation. Closedblock prepares the analysis; your professionals own the advice.