// Lead detail
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The Operating System · For independent insurance brokers
You show up for your clients.
AInstein shows up
for everything else.
Right now, AInstein is
answering a client's 3 a.m. text.
AInstein works IN your business, allowing you to work ON your business.
Your clients
24 / 7
Every inbound answered in seconds — with full plan & history context.
Your leads
1.4M + 60M
In your database on day one · plus 60M more on demand across all 50 states.
Your book
Watched live
Retention scored per client, every day. Churn signals surface before they cost you.
Meet AInstein →
AInstein
Scroll
Live platform metrics As of this session · 50 states active
01 / 05
0
Leads in your database
Plus 60 million more on demand across 50 states. FMCSA trucking, state licensing, new business filings, Microsoft / Yelp / Google — updated daily.
02 / 05
24 / 7
AInstein never sleeps
Every client message answered within seconds. Nights, weekends, holidays — AInstein holds the line.
03 / 05
5×
Cheaper to keep vs. acquire
The math most brokers never run. Your existing book is your most profitable asset — we protect it.
04 / 05
0
States with coverage
FMCSA trucking, Yelp businesses, state licensing, new-filing feeds — active coverage nationwide.
05 / 05
$0
Leads fall through cracks
Every inbound, every form submission, every SMS — logged, scored, and followed up. Nothing lost.
02 —

Built for brokers.
Powered by AI.

RelativityOS is the only platform purpose-built for independent health insurance brokers. Not a CRM. Not a dialer. Not a generic tool adapted for insurance. A complete operating system — where every lead, client, and conversation is handled automatically.

01
AInstein responds to every client instantly
Carrier questions, plan lookups, deductibles, scheduling — answered automatically, 24/7, personalized to each client's specific plan.
02
The Retention Engine protects your book
AI monitors every client relationship and alerts you before someone cancels. Your book has a health score — and you see it every Monday morning.
03
1.4 million leads in your database. 60 million more on demand.
Plumbers, contractors, truckers, solo operators, small business owners, licensed professionals — fresh leads across 50 states, searchable by business type, city, license status, and more. Every tier. No extra cost.
04
60-second first touch on every new lead
Import a lead from the database or run a Meta ad — AInstein fires the first message within 60 seconds. Speed to lead is the single biggest predictor of close rate.
Platform Status
All Systems Live
01AInstein CSA PipelineLive
02Retention EngineLive
03Book of Business HealthLive
04Monday Morning BriefLive
051.4M + 60M Lead SystemLive
06Meta Ad Funnel EngineSoon
07Voice AIQ2 2026
03 —

Meet AInstein.

Before we go any further — you need to know what AInstein actually is, because he is not the thing you're probably thinking.

This is not a chatbot.

Every other CRM on the market bolts on a generic chatbot — trained on the internet, bluffing its way through client questions, giving canned replies that could apply to anyone. AInstein is the opposite of that, and the difference matters more than anything else on this page.

AInstein knows
01
Every message your client has ever sent you, historically — and picks up exactly where the last conversation left off. No client ever has to repeat themselves.
02
Their specific plan, carrier, and deductible — not the carrier's generic brochure. The actual plan this client bought from you, with the actual numbers on their actual ID card.
03
Their carrier's formulary — whether their medication is covered, at what tier, and what the alternative is if the price just went up.
04
Their in-network providers — whether the specific doctor they're asking about is in-network, in their city, right now.
05
Their live retention score — and responds differently based on it. This is the one nobody else does, and it changes everything.
06
When to stop and hand off to you — AInstein Pause kicks in the moment a conversation escalates, and texts you directly so you can take over.
The retention score example
34 retention score

A client with a 34 is already frustrated, already halfway out the door. When she messages about a billing issue, AInstein answers with urgency — and immediately schedules a call with you so you can save the account before she calls a competitor.

90 retention score

A client with a 90 asking the same billing question gets a calm, complete answer — no escalation, no panic. The relationship is healthy and AInstein knows it doesn't need to pull the emergency lever.

Same question. Two different responses.
Because AInstein knows the difference.

Underneath every message is a sentiment intelligence layer most brokers have never had access to. A medication pricing engine. An underwriting assistant trained on your specific carriers. And a million-name lead database. This page only scratches the surface — the full picture lives at ainstein.fyi.

"An AI workforce that answers your clients, watches your book, finds your leads, and reads the room."
85%
Of client service
handled automatically
2
Specialized agents
CSA + Underwriting
100%
Personal to every
individual client
Visit ainstein.fyi →
The full story lives at ainstein.fyi — the sentiment intelligence layer, live medication pricing, the UW assistant, the CSA pipeline, and the complete capabilities matrix.
AInstein
The moat competitors can't copy

Emotional consistency across every single interaction, forever.

Every broker in America has the same problem: the third frustrated client in a row doesn't get the same response as the first. Even the best broker on their best day will snap eventually. It's not a character flaw — it's being human with a finite emotional battery dealing with an infinite queue of problems. AInstein doesn't have that problem. Message #1 of the day and message #50 of the day get the same exact tone.

3:00 AM
Scared about a diagnosis
A client who just got a biopsy result texts in at 3am. AInstein answers with warmth and the exact coverage facts — calmly, carefully, without a hint of "this is the fourteenth thing on my plate tonight." Because to AInstein, it isn't.
2:00 PM
Deductible question
A different client texts at 2pm asking what their deductible is. Same exact tone. Same care. Same precision. No irritation bleeding through from the fourth TPA complaint that morning. The fourteenth client of the day gets the first client's answer.

The pitch isn't "24/7 availability." Competitors can copy that. The pitch isn't "instant response." Competitors can copy that too. The pitch is consistency across every single interaction, forever — something no human broker can deliver and no static chatbot can fake.

AInstein
04 —

Your clients get answers.
You get your time back.

Now that you know AInstein isn't a generic chatbot, here's what he actually does every single day. Each of these is powered by the deep client knowledge we just described — plan details, communication history, health score, carrier KB, the whole picture.

Cap 01
SMS & Email
Responses
Every inbound message answered within seconds. Carrier questions, billing disputes, network lookups — all handled with full knowledge of that specific client's plan and history.
Cap 02
Appointment
Scheduling
AInstein gives clients your calendar link at exactly the right moment — faster for at-risk clients, patient for healthy ones. Never manually schedule a discovery call again.
Cap 03
AInstein
Pause
When a conversation escalates, AInstein stops, texts you immediately, and holds the line until you take over. The safety net under every client conversation.
Cap 04
Carrier
Knowledge Base
Deep carrier-specific knowledge — plans, formularies, network details, member portals. AInstein knows your book cold, down to the specific ID cards your clients carry.
Cap 05
Context-Aware
Memory
Every conversation remembered, historically. AInstein picks up exactly where the last message ended. No client ever has to re-explain who they are or what their plan is.
Cap 06
Invisible
to Clients
Your clients think they're texting you. Your brand, your voice, your relationship — AInstein is your silent partner, trained on how you actually talk.
05 —

AInstein knows
who's calling,
and everything about them.

Your staff can't remember what you did last Tuesday. AInstein remembers every conversation, every plan change, every promise, every family detail, every complaint, every appointment — for every client you've ever worked with. Here's what that looks like in the three moments that matter most.

Scene 01 / 03

Your phone rings.
Unknown number.
AInstein hands you the entire file.

Type the last four digits. Or let caller ID auto-match against your book. AInstein pulls the full client record in under a second — who they are, their plan, their family, their last conversation, their renewal date, their retention score, and every commitment you've made to them. All before you say hello.

  • Last-4-digit lookup. Glance at the incoming number, type four digits, get the full file.
  • Auto-match on caller ID. Known numbers are recognized instantly — the file opens before the phone rings twice.
  • Retention score inline. You walk into the call knowing whether this is a routine question or a save-the-account moment.
  • Unknown callers flagged safely. If the number isn't in your book, AInstein says so — never hallucinates a match.
10:47
Tue · Apr 21
Incoming call
(•••) •••-4418
Matched by AInstein
Bob Smith
Allstate Gold PPO $5,000 · active 3 yrs
FamilyWife Sarah · 2 kids (9, 7)
Renewal47 days
Last spoke9 days ago · knee surgery q
AppointmentTomorrow 2:30 pm
Retention 88 · Healthy
Scene 02 / 03

Ask AInstein anything.
In plain English.
Get the complete picture.

Type "tell me everything about Bob Smith" or the short form "/brief Bob Smith" — you get the complete picture in three seconds. Plan, family, last ten messages, pending promises, appointment history, retention signals, cross-sell opportunities. No digging through notes. No piecing together screens. The whole client, on one screen, on demand.

  • Natural language OR slash commands. Type like you'd talk to a colleague, or use the short form when you want speed.
  • Everything you've ever logged. Every message, every note, every tag, every sale — surfaced, not searched.
  • Cross-sell opportunities flagged. Dental expired? No vision on file? Dependent aging out? AInstein calls it out on every briefing.
  • Open promises tracked. The follow-up you mentioned offhand three weeks ago — still on the list, still on you.
AInstein · Contact briefing
>
Tell me everything about Bob Smith
Identity
Bob Smith, 42Self-employed · Nashville, TN
Primary coverage
Allstate Gold PPO $5,000Since Jan 2023 · renews Jun 5 · primary only
Family on plan
Wife Sarah, 40
Kids: Emma (9), Noah (7)
Retention
88 — healthyNo frustration signals in 90 days
Open with you
Pre-op questions for knee surgery (raised 9 days ago — you said you'd follow up)Unresolved. Appointment tomorrow 2:30 pm.
Cross-sell flag
No dental or vision on fileFamily of 4 — worth a mention at the appointment
Last 10 messages
Billing, ID card reprint, knee surgery q, formulary check × 2All resolved except knee surgery
Referred from
Tom Wilson (2022)Likely ask: "how's Tom doing these days?"
Briefing · 2.3s · sourced from 847 conversation entries Live
Scene 03 / 03

Fifteen minutes before every call,
your phone lights up with
everything you need.

AInstein auto-fires a push briefing to your phone fifteen minutes before every scheduled appointment. What's new since you last talked. What they're worried about. What you promised them. What to mention. What to avoid. You walk into the room armed. They feel seen. Every single time.

  • Automatic on every appointment. Nothing to set up. Nothing to remember. Every calendar event fires a briefing.
  • What to ask. What to avoid. Specific prompts based on this client's current situation, not a generic checklist.
  • Unresolved promises front and center. No more walking in and getting caught unprepared on something you said last month.
  • Live retention signal. Score changed since last appointment? AInstein tells you before you sit down.
2:15
Wed · Apr 22
AI
AInstein · Pre-meeting briefing
now
Bob Smith — 2:30 pm
Unresolved: knee surgery pre-op questions (you said you'd follow up). Open door: no dental/vision on family of 4. Warm note: referred by Tom Wilson 2022. Score 88, healthy — no save needed. Tap to open full briefing.
AI
AInstein · Promise follow-up
2h ago
Linda Chen — open commitment
You told Linda on Apr 19 you'd send her the new UHC formulary PDF by end of week. Not sent yet. Want AInstein to draft it now?
Your staff can't remember what you did last Tuesday.
AInstein remembers every conversation, every plan, every promise.
06 —

AInstein works for you,
not just for your clients.

Section 04 showed you what AInstein does for your clients. Section 05 showed you what AInstein remembers about your clients. Here's what AInstein does for you — the research desk that saves you forty-five-minute phone calls to carrier reps, the sniper that flags cross-sell openings the second they appear, and the commitment tracker that makes sure nothing you promised ever falls through the cracks.

Broker Tool 01
Ask anything about
any carrier.
"Is Ozempic covered on UHC Copay Select?" · "What's Allstate's tobacco rule for the past 12 months?" · "What does UHC's formulary say about Mounjaro?" — AInstein answers in plain English with exact source references. No tab-switching. No holding for a carrier rep. No guessing.
Broker Tool 02
Every PDF.
On demand.
Plan summaries, formulary PDFs, claim forms, appeal forms, pre-auth forms — just ask. AInstein pulls the document from the carrier knowledge base and texts it, emails it, or attaches it directly to a client message in seconds.
Broker Tool 03
Real-time
Rx pricing.
"What's cash price for 30-day Ozempic?" → exact numbers across pharmacies, discount card pricing, 90-day alternatives, generic availability. Live-sourced, not stale lookup tables. The client needs an answer now; you have one in three seconds.
Broker Tool 04
Medication
research.
"What's Mounjaro typically prescribed for?" · "Cheaper alternative to Ozempic on UHC's formulary?" · "Side-effect profile for beta blockers?" — AInstein handles the pharmacist-level research you used to ship to a friend with a PharmD.
Broker Tool 05
AInstein Sniper.
Cross-sell openings
surface themselves.
Family of four with no dental on file? Life policy gap in a client who just had a kid? Dependent aging off a parent plan in 47 days? AInstein reads every conversation for cross-sell patterns and flags them at the exact moment to bring them up — not in a generic monthly digest you'll ignore.
Broker Tool 06
Missed commitments.
Nothing falls through.
Every time you tell a client "I'll get back to you on that," AInstein logs it. If the follow-up doesn't happen, you get a notification — or AInstein drafts it and asks you to approve the send. The commitment tracker you always wished you had, running in the background on every conversation.
07 —

The most overlooked asset
in your business is the one
you already have.

Most brokers spend 80% of their energy chasing new clients — while quietly losing 12–15% of their existing book every single year. RelativityOS's Retention Engine changes that equation permanently.

Stat 01
5×
Cheaper to keep
than acquire
Getting a new health insurance client costs 5× more in time, marketing, and effort than retaining an existing one. Your current book is your most profitable asset.
Stat 02
67%
More likely to buy
additional coverage
An existing client is 67% more likely to add dental, vision, or life coverage than a brand-new prospect. Your retention is your upsell engine.
Stat 03
5×
More referrals from
existing clients
A satisfied existing client refers 5× more often. And referred clients close faster, stay longer, and complain less. Retention is your referral engine.
07 —

AInstein knows who's
about to leave
before they do.

Every conversation your clients have with AInstein is scored for sentiment, frustration, and churn signals. A health score from 0–100 is maintained for every client, every day — and feeds directly back into how AInstein responds to them.

Real-Time Health Scoring
Every client scored 0–100. Green means healthy. Yellow means watch them. Red means act now — before they call a competitor.
Monday Morning Brief
Every Monday at 8am, an email showing your entire book's health — who's at risk, who's silent, and who needs your personal attention this week.
AInstein Pause — Your Safety Net
The moment a conversation escalates, AInstein pauses, texts you immediately, and holds the line until you take over.
Proactive Renewal Outreach
Reaches out 30 days before renewal, at open enrollment, and when carrier networks change — so you never miss a touchpoint that matters.
Book Health
Mon · Apr 13 · 2026
14
Healthy
6
Watch
2
At-risk
SM
Sarah Mitchell
Allstate · Gold PPO $5,000
87
MC
Mike Chen
UHC · Copay Select $7,500
54
JT
Jennifer Torres
Allstate · Silver PPO $8,000
28
Mike Chen has expressed billing frustration three times in the last ten days. Consider personal outreach this week.
08 —

You never buy a
junk lead again.

The cost of buying leads today
$47 per name. Sold to eight other agents the same morning.

You bought the lead Monday morning. Six other agents bought the same name. By Monday afternoon that prospect had blocked three numbers and told the fourth caller to lose his number. That's forty-seven dollars you won't get back, and it's the twelfth time this month. Most brokers have given up on paid leads entirely. They work their referrals, pray for new ones, and watch their book plateau.

$40–50
Cost per name on most platforms
6–10×
Times the same lead is resold
< 2%
Contact rate by the fifth hand
The Free Way · No ad budget required
1.4 million leads. Already yours.

RelativityOS ships with a live database of 1.4 million self-employed Americans across 50 states — and another 60 million more on demand via integrated APIs. Filterable by business type, city, licensing status, industry, SIC code. No ad spend. No agency. No waiting. Just a broker and the holy grail of health insurance prospects.

Self-employed
Truckers / FMCSA
New business filings
Licensed contractors
Restaurants
Auto body
Salons
Plumbers
50M+
Google Maps
businesses
7.75M
Yelp business
database
2.5M
Microsoft
business index
1.04M
Trucking
carrier records
291K+
New business
filings (daily)
62K+
State licensing
(verified)
14.6K
Small-biz
funding records
Or flip the switch.
The Funded Way · Your ads, your leads, never resold
Your own Meta funnel.
Your leads. Nobody else's.

When you're ready to scale, turn on the Meta Ad Funnel Engine. Pre-built, proven Facebook and Instagram funnels designed specifically for health insurance brokers. Connect your ad account, set your budget, and turn it on. Your ads. Your landing pages. Your leads — never sold to anyone else.

Step 01
Your ad runs
Pre-built, broker-funded templates. Your ad account, your budget, your pixel.
Step 02
Click lands here
Your branded landing page, not a shared form on a lead-broker's site.
Step 03
Lead hits ROS
The lead enters your CRM instantly. Tagged, routed, attributed.
Step 04
AInstein fires
First SMS out within 60 seconds — while the ad is still in their hand.
Step 05
Booking happens
AInstein qualifies, answers questions, drops your calendar link.
Step 06
You close
They show up warm. You enroll them. ROS handles the rest.
Pre-built templates, broker-funded
No agency needed. No designer. Connect your own Facebook Ads account, set your own budget, and the proven funnel templates are ready to run. Your pixel, your audience, your asset.
Multi-state variants
Targeted funnel variants for TN, TX, FL, and every state you're licensed in. New variants added as new markets come online.
Performance dashboard
Real-time cost-per-lead, speed-to-first-touch, contact rate, appointment rate, and close rate — per campaign and per state.
Your leads only, never resold
Every name you generate through Meta is yours and yours alone. Nothing shared. Nothing burnt. Nothing $47 per name.
Either way,
you never buy
a junk lead again.
Free database or funded funnel — both lanes feed directly into AInstein, which fires the first message within 60 seconds. You choose the lane. The machine does the work.
09 —

From lead to
long-term client.

Every step automated. Every touchpoint personalized. The machine runs 24 hours a day — on all your leads and all your clients simultaneously.

01 —
Lead
enters
02 —
60-sec
first touch
03 —
AInstein
qualifies
04 —
Appointment
books
05 —
Client
enrolled
06 —
Retention
begins
07 —
Referral
loop
Every lead followed up. Every client served.
Every renewal protected.

RelativityOS doesn't just help you grow — it makes sure you don't shrink. The same platform that brings in new leads watches your existing book every day and alerts you the moment someone needs attention.

10 —

Your clients carry
AInstein in their pocket.

🔒 Your Branded Client App
AInstein
AInstein · Your Agency
Online 24/7
Does my plan cover my daughter's specialist visits?
Yes — your Allstate Gold PPO $5,000 plan covers in-network specialist visits at a $45 copay after deductible. I can text you the specialist lookup link if you'd like.
Is Dr. Martinez in-network in Nashville?
Pulling that up right now — one moment…
Installs like a native app
One tap from Safari or Chrome — your branded AInstein app appears on every client's home screen. No App Store. No friction.
Your brand. Your name.
Clients see your agency name, your logo, your custom URL. AInstein is your silent employee — they never know there's AI involved.
Push notifications
AInstein can proactively notify clients about renewal dates, open enrollment windows, and carrier network changes — from their home screen.
Referral mode built in
With one tap, clients can refer a friend — AInstein collects the referral, creates the contact in your CRM, and fires the first outreach automatically.
11 —

Your professional
broker website.
Built in.

Every broker on RelativityOS gets a professional, mobile-optimized website with integrated lead capture. When someone fills out your form, they land in AInstein's pipeline — automatically.

youragency.com — powered by ROS
Your Agency
Name Here
Independent health insurance specialists
Get a free quote →
01
Mobile-optimized & SEO-ready
Looks great on every device. Configured for local search visibility out of the box.
02
Lead forms → AInstein pipeline
Every form submission fires AInstein within 60 seconds. No manual follow-up required.
03
Carrier showcase & plan info
Display the carriers you represent, the plans you offer, and the states you serve.
04
Calendar booking embed
Clients book directly from your website. AInstein sends confirmation and reminders automatically.
12 —

Write every client email
in seconds.

AInstein Mail lives in your Gmail. Start typing and AInstein completes your client emails — carrier-aware, tone-matched, and accurate to their specific plan.

Smart autocomplete — carrier aware
AInstein knows your clients and their carriers. Start typing "Sarah's deductible is…" and it completes the sentence accurately.
Tone matching per client
AInstein matches the tone of your previous emails to each client — warm with some, professional with others, always appropriate.
One-click response drafts
Open a client email, click the AInstein button. A complete, accurate draft appears — ready to review and send in seconds.
Gmail — AInstein Mail active
SM
Sarah Mitchell
Re: Specialist coverage for my daughter
Drafted
MC
Mike Chen
Question about my premium increase
Drafting
RT
Robert Torres
Open enrollment — what are my options?
Drafted
JT
Jennifer Torres
Network change notification
Drafted
13 —

Pick your plan.
Start growing today.

Every plan includes AInstein CSA, the lead database, your broker website, and the client PWA. Upgrade as you grow. No contracts. No hidden fees.

Tier 01
Core
$XX/ MO
Everything you need to get started. AInstein handles your clients while you focus on growing your book.
✓
AInstein CSA — 24/7 Client ServiceSMS + email responses, carrier KB, scheduling
✓
Contact briefings + caller IDLast-4 lookup, natural-language briefings, meeting push
✓
Lead Database Access1.4M in your DB + 60M on demand · 50 states
✓
Client PWA (your branded app)Installs on client phones, AInstein lives there
✓
Broker WebsiteProfessional site with lead capture
✓
Full CRM & PipelineContacts, calendar, opportunities
Most chosen
Tier 02
Pro
$XX/ MO
The full platform. AInstein handles your clients AND watches your book. Built for brokers serious about retention and growth.
✓
Everything in CoreFull AInstein CSA + briefings + leads + PWA + website
✓
Retention EngineHealth scoring, at-risk alerts, Monday Morning Brief
✓
Follow-up Discipline EngineAuto-tracks every commitment you make to a client
✓
Automated Outreach (6 flows)Renewal, birthday, review, holidays, missed appt, referral ask
✓
AInstein Pause + Broker AlertsInstant text when a client escalates
✓
AInstein Mail (Gmail Extension)AI email drafting in your Gmail inbox
Tier 03
Elite
$XX/ MO
The full platform at full power. Unlimited prospecting, advanced retention intelligence, real-time lead bucket access.
✓
Everything in ProFull retention engine + all Pro features
✓
Unlimited Prospecting CreditsNo monthly caps on searches or imports
✓
Advanced Retention IntelligenceNightly AI sweep — early warning system
✓
Self-Serve Meta Funnel TemplatesPre-built funnels you fund with your own ad budget · your leads, never resold
✓
Real-Time Lead Bucket (Elite-only)First-come first-served across the platform · pay-as-you-claim
✓
Priority Onboarding & SupportWhite-glove setup, dedicated support line
All plans include a free onboarding call. No credit card required to request access. Speak with a real person within 24 hours.
14 —
AInstein

Your clients are served.
Your leads are followed up.
Your book is protected.
The machine never stops.

Built for brokers who play to win