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Now live — independent brokers in 50 states

The Operating
System
for independent
insurance brokers.

RelativityOS is the complete business platform built for independent health insurance brokers. AInstein handles your clients 24/7. The Retention Engine watches your book while you sleep. And over a million self-employed leads are waiting across 50 states — right now.

Meet AInstein
AInstein
Scroll
Live platform metrics As of this session · 50 states active
01 / 05
0
Self-employed leads ready
Across 50 states. Updated daily from FMCSA, state licensing boards, and new business filings.
02 / 05
24 / 7
AInstein never sleeps
Every client message answered within seconds. Nights, weekends, holidays — AInstein holds the line.
03 / 05
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
A million self-employed leads at your fingertips
Plumbers, contractors, truckers, solo operators — fresh leads across 50 states, searchable by business type and location. 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
051M+ Lead DatabaseLive
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
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 —

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
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
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.
05 —

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
Enroll Prime · GI Silver
87
MC
Mike Chen
BlueCross · Bronze PPO
54
JT
Jennifer Torres
Ambetter · Silver HMO
28
Mike Chen has expressed billing frustration three times in the last ten days. Consider personal outreach this week.
06 —

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
A million leads. Already yours.

RelativityOS ships with a live database of over one million self-employed Americans across 50 states — filterable by business type, city, licensing status, and industry. 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
320K+
FMCSA
trucking carriers
291K+
New business
filings (daily)
62K+
State licensing
data (verified)
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
Done-for-you creative and copy, targeted by state and segment.
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.
Done-for-you creative, copy, and landing pages
No agency. No designer. No guesswork. Connect your Facebook Ads account in one click and the funnels are ready to run.
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.
07 —

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.

08 —

Your clients carry
AInstein in their pocket.

🔒 abc.ainstein.fyi
AInstein
AInstein · ABC Health
Online 24/7
Does my plan cover my daughter's specialist visits?
Yes — your Enroll Prime GI Silver plan covers specialist visits at $45 per visit after deductible. Find in-network specialists at enrollprime.com/find-a-doctor.
Is Dr. Martinez in-network in Nashville?
I'm pulling that up for you 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.
09 —

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.

jmrhealthagency.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.
10 —

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
11 —

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
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
Lead Database AccessSearch & import self-employed leads in 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
Tier 03
Elite
The full platform at full power. Unlimited prospecting, advanced retention intelligence, priority support.
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
Meta Ad Funnel EngineDone-for-you advertising funnels
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.
12 —
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