How J. Hart works
One journey, measured end to end.
Traditional platforms optimize for submissions — they get paid when a form is filled. J. Hart is built to optimize toward policy outcomes, and every stage below exists to serve that difference.
Every stage marked BUILT is implemented and tested. None of it is carrying live consumer traffic yet — that waits on approved disclosure language and on the first admitted agents.
Act I — Acquisition & verification
From inquiry to a record you can trust.
Source
Every origin is disclosed — first-party or partner. Nothing enters anonymously.
BUILT
Consent
Consent language and timestamp are captured and retained as evidence.
BUILT
Dedup
The same person is one consumer, and cannot submit twice in a visit. Across separate visits, not yet.
IN BUILD
Phone verification
The consumer confirms control of the number — a one-time code, not a guess.
BUILT
Qualification
Intent, timeline and product fit — asked directly, recorded honestly.
BUILT
Compliance
Suppression and do-not-contact screening before release.
IN BUILD
Act II — Certification
Six signals. One certification.
When all six squares fill, the opportunity is certified and scored. You will see this mark on every opportunity, everywhere — web, mobile, reports.
Quality scores shown are illustrative until the scoring system ships.
JH Quality
Licensed agent
Exclusive, single-agent delivery. Routing is governed by licence, line of authority, product and capacity — an agent cannot receive what they are not licensed to write.
BUILT
Act III — Outcome
Measured through to the policy.
Contact
Speed to first contact is measured — it is the strongest lever you control.
BUILT
Quote / application
Logged per line of business — a P&C quote and a life application are different events.
BUILT
Bound / placed
The outcome that matters. An agent records it against the opportunity.
BUILT
Attribution to spend
Tying a bound policy back to the acquisition dollar that produced it.
IN BUILD
Economic feedback
What converts steers what gets acquired next — the loop lead vendors never close.
IN BUILD
Submissions are a cost.
Policies are the product.
| Traditional lead platforms | J. Hart | |
|---|---|---|
| What's sold | A form submission | A verified, certified opportunity |
| Distribution | Often shared, rarely provable | Exclusive by design, shown on the record |
| Evidence | Take the vendor's word | Consent, phone control and source — on file |
| Measurement | Ends at delivery | Through quote, application, bind and placement |
| Incentive | Paid on the submission | Built to win only when policies get written |
Lifecycle endings
What “done” looks like, by line.
P&C ending
- Contact
- Quote
- Bound
Life ending
- Application
- Underwriting
- Placed / in force
Life is not offered in the founding pilot.
ACA & Medicare
- Architecture ready
- Compliance-gated
Not offered — and not sold as if they were.
Next step
Apply to the founding pilot.
For licensed producers writing home and auto. Applications are reviewed before admission, and a valid NPN is required. The founding pilot is free.