70% of AI answers about insurance name no carrier at all. The rest are converging on nine.
Opportunities your agents found
Ranked by how fast you can win them
"Best pet insurance for a puppy"
Nobody cited yet · ~520 asks/month · strong fit for your pet line
Approve fix
"Best rated Medicare Advantage plan in [state]"
High value · CMS Star Ratings dominate the answer · winnable in ~3 weeks
Approve fix
"Cheapest reliable auto insurer for a new driver"
Nobody cited yet · ~410 asks/month · you already compete here
Approve fix
"[Carrier] small-business policy coverage" — Copilot invents a discount that doesn’t exist
The exact pattern that’s already made one company liable for it
Refresh now
"[Carrier] pet insurance" — cited, but drowned inside your parent brand
A pure-play brand is named 7x more often · your line needs its own entity
Fix wording
Agents working overnight
While the desk was closed, five things happened
Scout spotted an invented coverage term on Copilot: "[Carrier] small-business policy"
3 hours ago
Maker published a dedicated entity for your pet line
6 hours ago
Scout re-checked 24 questions across ChatGPT, Copilot, Gemini, Claude and Perplexity
8 hours ago
Anchor got your CMS Star Ratings profile verified and current
yesterday
Maker refreshed a stale rate & eligibility page
yesterday
What visibility is actually worth
Since your agents started working
0
visitors from AI this month
▲ new channel
$0k
premium quoted, traced to AI
▲ 21 quotes
Visitors from AI this month, by engine
Google AI 112Perplexity 94ChatGPT 78Gemini 41Copilot 13
Real policies, closed the loop
Every policy traced to the question that won it
9
policies bound
$62k
premium
$6.9k
avg premium
JA
J. Alvarado · Pet, new puppy
Thu 10:00
via ChatGPT
$340/yr
TM
T. Meyers · Medicare Advantage
Tue
via Google AI
$2,400/yr
LF
L. Ferreira · Auto, new driver
Wed 16:00
via Perplexity
$1,180/yr
PO
P. Okonjo · Small-business BOP
Fri 09:00
via Copilot
$2,600/yr
This is what a carrier like yours sees, once you’re being tracked
Confidential — reviewed by your compliance team before anything goes public
What the engines already show
0%
of AI insurance answers mention no brand at all — the largest unclaimed category in this research⁴
0.0%
of AI Overview citations come from pages outside Google’s own organic top 10²
0
states have adopted the NAIC AI Model Bulletin — covering AI in marketing & distribution⁴
Already happening
Three conversations your carrier doesn’t know it’s having
Even household-name, multi-line carriers lose citations to smaller, better-structured competitors.¹
The Diluted Carrier
A pet-insurance shopper asks ChatGPT for the best option. A pure-play brand gets named seven times more often than your multi-billion-dollar parent carrier — your pet line is drowned inside a generalist domain.
The Invisible Broker
A Medicare Advantage shopper's AI answer is built entirely from CMS Star Ratings and review sites. Your own plan pages, broker network, and direct mail never enter the conversation.
The Invented Coverage
A small-business owner asks Copilot what their policy covers. The answer invents a discount or coverage term that doesn't exist — the exact pattern that's already made one company liable for it.
The method
Scout, Maker, and Anchor — one system, three jobs
Aggregators, star ratings, and editorial sites already dominate what ChatGPT, Copilot, Gemini, Claude, and Perplexity say about your policies and rates.³ Inserviss finds out exactly where you’re losing the citation — and fixes it.
Scout · 20%Maker · 40%Anchor · 40%
Scout
Coverage-accuracy and citation tracking across ChatGPT, Copilot, Gemini, Claude, and Perplexity — weighted toward where insurance is actually cited.
Catches an invented discount before a dispute or complaint files itself.
Maker
Answer-first product & eligibility pages, full schema, a dedicated entity for niche lines, server-side rendering, and llms.txt — the on-domain fix.
Gives your pet, gig, or small-business line its own clear entity.
Anchor
Aggregator and comparison-site placement, star ratings & review programs, Wikidata, and editorial press — the off-domain build.
Wins the Policygenius or CMS Star Ratings citation you can't earn alone.
What Scout actually tracks
Who the engines actually cite — you, or the aggregator
“best pet insurance for a puppy”“best rated Medicare Advantage plan in [state]”“cheapest reliable auto insurer for a new driver”
Illustrative sample report — reflects the published 2026 aggregator-citation findings, not a specific carrier.⁶
What Maker fixes, what Anchor builds
On-domain and off-domain, tracked the same way
Maker — Citable Page AuditSample data
Product / coverage pagesGeneric PDFCitable page
Niche line entity (pet, gig, small-biz)DilutedDedicated line
Rate & eligibility pageStatic, undatedAnswer-first, current
Schema markupMissingLive
llms.txtMissingLive
Anchor — Aggregator & Off-Domain CoverageSample data
Policygenius, The Zebra, InsurifyIncomplete listingComplete profile
CMS Star Ratings & J.D. PowerOutdatedVerified & current
Wikidata & WikipediaSparseEstablished
Verified review volumeSparseBenchmark tier
Brands with 90,000+ verified reviews earned nearly 4x more AI citations than lower-review-volume peers.¹ Anchor treats review volume as a citable input, not a reputation afterthought.
Platform coverage
Three lines of business, three priority orders
One carrier, three very different visibility programs — sharing the same Scout / Maker / Anchor system.
Auto & Home (P&C)
01PerplexityDeepest sourcing behavior — the comparison-shopper's engine of choice.
02Google AILargest single citation pool, dominant first-touch surface.
03ChatGPTGeneral rate-comparison and "who's cheapest" queries.
Life & Pet
01ChatGPTWhere "is it worth it" and purchase-intent questions happen.
02Google AI & GeminiBroad research surface for coverage amount and beneficiary questions.
03ClaudeSmallest share today, fastest-growing for financial-planning research.
Health & Medicare Advantage
01Google AIWhere plan-comparison questions begin during open enrollment.
02PerplexityDeep research into star ratings, reviews, and plan documents.
03CopilotWhere brokers and HR benefits admins research inside Microsoft 365.
Aggregator and ratings-page mentions — Policygenius, The Zebra, CMS Star Ratings — is the connective tissue across all three. It’s what every engine, on every platform, already defaults to citing for comparison questions.
Every AI-facing answer carries the same review your advertising copy already gets — mapped to the NAIC Model Bulletin’s marketing & distribution consumer-notice requirement.⁴
01 Draft
Prepared by Maker & Anchor
02 Review
Against current filings & compliance
03 Publish
With a per-state audit trail
04 Monitor
Scout tracks it everywhere
Illustrative result⁵
9%34%
A regional multi-line carrier’s own-site citation share, five engines, four months — no new advertising claims, just accurate, current, aggregator-anchored content.
Anonymized, aggregated illustrative example.
FAQ
Questions your compliance team asks first
Mostly not. Most of the work is correcting and structuring what's already filed and approved — product pages, rate ranges, eligibility rules — not new promotional claims.
Every AI-facing answer goes through the same review your advertising copy already gets, mapped to the NAIC Model Bulletin’s marketing-and-distribution consumer-notice requirement, with a state-level audit trail — not a one-size-fits-all national claim.
Where the platform allows direct carrier submission, we do the actual rebuild; where it doesn't, we prepare the exact corrected listing for your team to submit and track it until it's live and verified.
Not instantly, and we won't promise that. We publish the correct, structured, current coverage terms, then Scout monitors every engine and flags any invented term as a compliance-severity event, not just a marketing miss.
See exactly who’s winning the citation your carrier should own
One diagnostic, five engines, a compliance-ready read of exactly where you stand.
Inserviss Labs