Growth Lens by Linqura

The submission queue is shaped by habit and relationships — not by your appetite.

The businesses your program was built to write are in your market right now — going somewhere else.

Growth Lens turns your appetite into a pipeline. You decide where your book grows next.

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The Problem

The submission queue is not a growth strategy.

What comes through the door today is shaped by agent relationships, market habit, and whatever happened to cross someone's desk. The businesses your program was built to write are in your market right now — going somewhere else.

What you see · vs · what is there
The submission queue · reactive
agent habit relationships crossed a desk A thin, random slice of the market — shaped by everything except your appetite. ~ what happens to arrive
Your market, scored · Growth Lens
Every business in your footprint, scored. ● qualified against your appetite
You control what you write. You don't control what you see.

The submissions you never see cost more than the ones you decline.

01
Submission Quality Is Outside Your Control

The risks that fit your program and the risks that don't look identical until an underwriter opens the file. Triage takes time. Bad fits take more.

02
Market Expansion Is a Guess

Entering a new state or launching a new program means committing distribution resources before you know if the market is there. Most carriers find out after the fact.

03
Your Top Agents Deliver. Your Full Distribution Doesn't.

Your best agents know your appetite and work it. The rest of your appointed network is leaving qualified business on the table.

The Solution

Find the businesses your program was built to write. See the white space before anyone else does.

Proactive Distribution
Find the businesses your program was built to write.
01
You Control the Flow

Identify every business in your footprint that fits your appetite. Push pre-underwritten accounts to your best agents instead of waiting for submissions.

02
Speed of Placement Wins Agents

Agents don't choose on price. They choose on ease. Hand them a pre-underwritten account and you become their first call.

03
Activate Your Full Distribution

Give every appointed agent a pipeline scored against your appetite.

Market Simulation
See the market before you enter it.
01
Expand with Confidence

Know your total addressable market in a new geography or line before you invest in distribution.

02
Simulate Before You Commit

New program, refined criteria, expanded class — see how the qualified population changes before capacity is committed.

03
Evidence for Capital

Walk into a capacity conversation with market data, not instinct.

Market Simulation · Growth Lens
Restaurant & Food Service GL Program
appetite_id: apt_8f2c1a · baseline_job: disc_4419 · all states · 30,142,118 businesses scored
Current Appetite
12 states — active footprint
NAICS 722511 · 722513 · 722514
Revenue $250K–$8M
Excl. nightclubs · bars · liquor primary
Max 3 locations per insured
Identified847,293
Scored847,293
Qualified12,847
Disqualified834,446
1.5%
qualified fit rate
→
Simulated Change
12 states — active footprint
+ TX · FL · AZ added
NAICS 722511 · 722513 · 722514
+ 722330 food trucks included
Revenue $250K–$8M
Excl. nightclubs · bars · liquor primary
Max 3 locations per insured
Identified1,124,891
Scored1,124,891
Qualified19,204 +6,357
Disqualified1,105,687
1.7%
qualified fit rate
Qualified market impact
+49.5%
6,357 additional qualified businesses · before capacity committed
See exactly how your market changes before a single agent appointment or capacity decision is made. Your appetite. Your call.
How It Works

Your appetite in. Your pipeline out.

STEP 01

Upload Your Guideline

Growth Lens ingests your actual underwriting guideline. Not a manually configured search form. The real program document — parsed, interpreted, and translated into scoring criteria.

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STEP 02

Score the Market

30M+ commercial businesses scored against your appetite across four domains simultaneously — operational profile, risk, coverage, and carrier fit. Every record ranked. Every record confidence-scored.

→
STEP 03

Build Your Pipeline

A pipeline of specific businesses matched to your program, ready to act on. Hand to agents as warm prospects, pair with a preliminary quote, or drive direct outreach. Your distribution model, your choice.

Step 01 in detail · your document becomes your appetite
Restaurant & Food Service GL Program UNDERWRITING GUIDELINE · PDF

§2.1 Eligible classes. Full-service restaurants (722511), limited-service (722513), cafeterias and buffets (722514) operating within the program's approved 12-state footprint.

§2.3 Revenue bands. Annual gross receipts between $250,000 and $8,000,000 per insured entity.

§3.2 Exclusions. Nightclubs, bars, and operations deriving primary revenue from liquor sales are ineligible. Risks with more than three locations per insured are referred.

→ parsed
Scoring criteria · appetite_id: apt_8f2c1a
12 states — active footprint
NAICS 722511 · 722513 · 722514
Revenue $250K–$8M
Excl. nightclubs · bars · liquor primary
Max 3 locations per insured
These criteria are the appetite behind the market simulation — same program, same numbers.
Your actual program document — eligibility classes, revenue bands, exclusions — parsed into the criteria that score every business in your footprint.
01
3 Patent-Pending Engines

Operational Profile, Risk & Coverage, and Carrier Fit — three novel multi-agent architectures filed for patent protection.

02
Fine-Tuned Models

Not generic LLMs. Purpose-built models trained specifically for commercial insurance intelligence.

03
30M+ Businesses

Continuously monitored. Every record confidence-scored. Refreshed every 90 days.

See what your market looks like against your actual appetite.

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