Five objections partners raise. And the direct answer to each.

Fully transparent, and the math is on the pricing page. Carriers pay the producer directly on every bound policy — Coverly has no stake in your per-policy commission and never takes a cut. Coverly charges a flat monthly fee ($299/mo for Broker and Solo Agent, $2,500/mo starting for Carrier) that covers the AI quoting engine, the nurture sequences, and the partner dashboard. The break-even math on a single quote flow: one additional policy per month more than covers plan cost, and producers retain the full carrier-paid commission, the carrier relationship, and the renewals. Self-serve setup: /partners/signup. See it run first: /quote/start.

Coverly ships live AIG rate-shopping today, with Lincoln Financial, Northwestern Mutual, and Pacific Life connectors registered and live in front of qualified partners (the proof-of-concept connector is wired and passes quote fixtures end to end). The quote engine routes every applicant across all four carriers in parallel and surfaces the top three AI-scored results to the customer. Adding a new carrier to your book is a partner-facing priority: the carrier-side onboarding at /for-carriers lets an MGA or underwriter wire their own API and reach the existing partner base within days, not quarters.

Every quote event is logged in the contact_events table with a timestamp, partner_id, source, and event type — quote_requested, carrier_selected, form_completed — so the full funnel is auditable per partner. The contacts table carries partner_id as a foreign key, so a lead routed through your embed is permanently tagged to your agency rather than dropped into a shared pool. You can see it live at /for-brokers/dashboard: KPI tiles for leads, funnel conversion, AI-tier mix, and a per-contact leads table.

The Broker and Solo Agent tiers are month-to-month with no contract — cancel anytime, no per-quote or per-policy gotchas, downgrade or upgrade with one message. Carrier and Enterprise tiers run on annual agreements because they include dedicated API integrations, white-label branding, and compliance review, and the annual term is what makes those custom builds economically sane. The full tier matrix, including the no-hidden-fee stance, lives at /pricing.

Broker and Solo Agent plans get standard email support with a 48-hour first-response window. Carrier plans get priority email support with a 4-hour SLA and a named technical contact. Growth and Enterprise engagements add a dedicated success manager who holds a recurring check-in and runs quarterly business reviews against your lead and commission data. To start on the highest-touch path: /partners/signup.