How It Works — 5 Easy Steps
Put yourself in the driver's seat for your insurance solutions
Florida's Property & Casualty market has over 900 insurance carriers, including more than 20 newly admitted since 2024. How many providers have you received proposals from?
The Problem
Most agents work with only a handful of carriers
When your agent knows just a few carriers best, your application only ever reaches a fraction of the market — leaving better priced, better fit coverage on the table.
What We Solve
Our network works with 120+ providers
Access to larger markets and economies of scale means real competition for your business — and a transparent process that keeps you in control from start to finish.
The Process
Here's how it works in 5 easy steps
- 1
Create your login ID
Set up your account to begin your Request-for-Proposal (RFP). No credit card, no subscription, no obligation.
- 2
Complete the interview
Answer questions and provide documentation on your risk profile so we can present the lowest risk and earn you the most competitive rates.
- 3
Build your short-list
From your dashboard, select the providers you want to receive proposals from and modify your short-list at any time.
- 4
Put our network to work
Our team kicks off the RFP and goes to bat for you, driving competition among carriers to secure the most competitive proposals.
- 5
Review your proposals
Receive and review competitive proposals side by side with an industry expert who works for you, not the carrier.
No cards, no subscriptions, no fees
Access and use our service 100% free. Exigent Insurance is paid only by the participating insurance providers, and they all pay the same fee upon a winning proposal.
Our commitment to transparency
We accept no banner advertising or other incentives from any provider. We are never paid more (or less) to promote one carrier's products over another, so our role in the selection process stays neutral and independent. All fee disclosures are made fully viewable upon request at the time of your registration.
Why It Matters
The industry pitfalls we set out to solve
Sale over service
Commission-based compensation can encourage an agent to prioritize the initial sale, potentially overlooking your best interests.
Short-term incentives
An agent may prioritize the immediate payoff of short-term sales goals over building a long-term client relationship.
Hidden conflicts
Commissions can create conflicts of interest when an agent's financial incentives don't align with the policyholder's.
Can insurance agents be paid higher commissions to sell certain products? In most states — yes, they can.
Without a way to see which carriers your agent actually interacted with and received quotes from, there is likely a degree of missing transparency in the traditional process. With Exigent, you maintain full visibility of the Request-for-Proposal process and are encouraged to reach out at any stage — we will happily provide full disclosure of the fees we collect from the providers in our network.
Ready to take the driver's seat?
Create your login and start your Request-for-Proposal today — free, transparent, and with no obligation to switch.