Every mortgage we fund is a bound-insurance lead for you.
IndiBrick funds mortgages across Ontario. Every one needs bound home insurance to close — and every one is a warm, qualified lead. Claim the ones you want, quote fast, bind faster. 15% referral fee on bound annual premium.
Cold outbound + expensive PPC + rate-shoppers who never bind.
You spend $80–$140 per lead on Google Search "home insurance Ontario," get connected with three people who wanted a comparison quote and ghosted, and burn a half-day on quotes that never bind. The best insurance leads — the ones that MUST bind because a mortgage is closing — go to whoever the borrower's bank happens to recommend. That should be you.
$80–$140
average CPL on Google Search for "home insurance Ontario" (2025 auction data).
12–18%
bind rate on cold PPC insurance leads. Mortgage-triggered leads: 60–80%.
~40 / month
home insurance opportunities IndiBrick generates from Ontario mortgage closings at current volume.
Warm leads from real mortgage closings. Free to receive.
The IndiBrick Insurance Desk sits alongside our mortgage brokerage. Every mortgage we fund generates a claimable home-insurance opportunity in a shared pool. You claim, quote, bind — no monthly fee, no minimum spend. We take 15% of the bound annual premium as a referral fee. That's it.
First-come, first-served claim feed
When a mortgage funds, an insurance opportunity lands in the shared pool with client name, coverage type, and closing date. Every active insurance agent gets a live notification. Click Claim, it's yours — atomically. No double-assignment races.
Bound-required leads only
These aren't rate-shoppers. They HAVE a closing date. They MUST bind coverage to fund. Bind rate on mortgage-triggered leads is 60–80% vs. 12–18% on cold PPC. You know before you quote whether it'll close.
15% of bound annual premium
On a $2,000/yr home policy, that's $300 to IndiBrick, $1,700 to your agency. Paid within 30 days of policy effective date. Renewals in year 2+ are 100% yours.
Runs alongside Applied Epic / EZLynx
You keep your policy management + accounting where it is. IndiBrick Pro is a lead feed + light pipeline for the leads you claim from us. No import, no migration, no data lock-in.
Built-in renewal cadence
120 / 60 / 30 / 7 day escalating alerts before every renewal so you never lose a policy to lapse. Fully automated once the policy is bound in the system.
Live book premium tracker
Your dashboard shows bound + renewed annual premium in real time. Filter by carrier, coverage type, or claim date. Export whenever you want.
From mortgage funding to bound policy in 4 steps.
A qualified client hits our pipeline
IndiBrick funds a mortgage in Ontario. Client name, contact info, and coverage need (Home / Bundle) flow into an opportunity in the shared insurance pool. You get a live notification in the Insurance Desk.
One click, atomically yours
Open the Insurance Desk → click Claim on the lead. First agent wins — everyone else sees "Already claimed." No lead-selling, no bidding, no 4-hour lead-response scramble.
Work the lead in your own carrier portals
You already have BSpoke or Applied Rating or the carrier direct portals. Quote in whatever you use — IndiBrick doesn't force a workflow. When you bind, log carrier + policy # + premium in IndiBrick Pro so the referral fee triggers.
120/60/30/7 day auto-alerts fire in your inbox
Never lose a policy to lapse. When the renewal is within 4 months, we start firing escalating reminders — you decide the follow-up cadence. Renewals in year 2+ are 100% your commission.
Different economics. Different quality.
The leads themselves are different
A mortgage-triggered lead HAS to bind — no coverage, no fund. That's structurally different from a "get 3 quotes" form-fill. Every IndiBrick lead comes with a closing date, verified income for the underwriting, and the phone number their broker already has on file.
You're not competing against every ad tech company for their attention. You're the one insurance agent they'll speak with today.
Cost per bound policy, not per click
PPC: $120 CPL × 6 leads per bind = $720 acquisition cost. IndiBrick: 15% of $2,000 annual premium × 100% bind rate = $300 acquisition cost, and you only pay after the policy binds.
Renewals stay yours: year 2 onward is your full commission. That $2,000 policy compounds every year, on us for the origin.
Ontario insurance agents only. Capacity throttled to mortgage volume.
We cap agent intake at what our mortgage-funding volume can support. If we sign 40 agents in Q1 but only fund 45 mortgages, each agent sees ~1 lead — that's a bad deal for you. We open new spots as our funded volume grows. Priority reviewed in submission order.
Questions insurance agents ask
Do I have to switch off Applied Epic / EZLynx?+
No. IndiBrick Pro doesn't replace your policy management system. It's a lead feed + light pipeline for the specific leads you claim from us. Keep your existing carrier portals, accounting, and CRM — we just hand you warm opportunities that never touched an ad platform.
How does the 15% referral fee work in Ontario?+
Referral compensation between licensed insurance and mortgage professionals is permitted under RIBO Rule 12 with proper disclosure. We disclose to the borrower at claim, and the fee (15% of bound annual premium) is remitted to IndiBrick within 30 days of policy effective date. Renewals in year 2+ are 100% yours — no ongoing residual owed.
What coverage types do these leads need?+
Primarily home insurance (mortgage lenders require it to fund). Some leads add auto or bundle at intake — you'll see the client's indicated coverage on the claimable card. About 30% end up as multi-line (Home + Auto), which most carriers reward with a 15–20% discount you can offer.
What if someone else claims a lead before I do?+
You see "Already claimed" and the card disappears from your pool. Notifications are broadcast to every active agent simultaneously, so it's a real race — usually the agent who responds within 5 minutes of the ping wins. Our fastest partner responded in 42 seconds last month.
What territories are you accepting?+
GTA (Toronto core + Peel + York + Halton + Durham) and Ottawa. Adding Hamilton + Kitchener-Waterloo next quarter based on funded volume there. Submit the form even if you're outside — we'll queue you for the geographic expansion.
Do you also refer life / disability / critical illness?+
Yes — when a mortgage closes, we surface the mortgage-life insurance opportunity to whoever holds the home policy first. Multi-carrier agencies with life licensing get priority. Flag your life-licensing status on the intake form.
Free platform. Warm leads. Ontario only.
The next intake closes when the territory fills.
Request accessRIBO-compliant referrals · Free access · 2-hour response