The marketplace
Browse Leads
Your first question may be “why would I browse leads?” The short answer is that finding new customers is expensive and time consuming — and a cold list is not a referral.
Why
Matching specific needs to the right provider
Kiv Broker is about connecting parties with very specific needs to providers who can solve their problems. On one side somebody needs help; on the other side there is somebody looking for exactly that kind of business. They know the cost to acquire a new customer, and they have worked out the lifetime value of that customer.
Your interest in browsing leads posted by fellow professionals is to find the exact fit: the right size of client, in the right location, where you can leverage your skills — technical or linguistic.
As you respond favourably to a lead provider you will be ranked on the quality of the services you provide, therefore attracting more clients of that type. Think of it as compound interest applied to virtual networking.
What you have probably already tried
Yes, but why?
Simply because finding new customers is expensive and time consuming.
The channels you have tested
- Yelp, Upwork, Google and Facebook ads — how did that work?
- Building a presence on social media
- Buying leads from companies whose business is making phone calls and scraping the internet
- Cold calling the list you bought
Networking, and its limits
- Fundraising events, chamber of commerce cocktails, golf tournaments — sometimes you are good at that, but it is not for everybody and it is extremely time consuming
- How many times have you been “referred” to a client too small, or outside your expertise?
- And the person who referred them expects something in return — which is fair, until the match is a bad one
Where the idea came from
“How do you insure clinical trials in Egypt?”
Kiv Broker is built around matching needs with solutions. The idea came to JB Duler as friends and acquaintances kept asking him questions like that one — along with where to find a cost-effective valuation, a good IP lawyer, how to reduce health insurance costs, or how to reduce the assessed value of a building.
He was willing to make connections, but it was becoming time consuming — so he started working on a system that would match skilled professionals with needs. The marketplace concept is nothing new: eBay, Uber and Airbnb are examples.
But financial services is a complex world where the quality and skills of the individual make the difference, and where long term relationships are based on trust and results.
Why insurance specifically
Insurance is regulated sometimes by states and sometimes by the federal government. A few examples:
- Coverage for your home is regulated by your state — but flood coverage is a federal plan
- Disputes over health insurance or life policies are handled in your local state court
- Benefits plans and group life policies are regulated by HIPAA, and disputes are handled in federal courts
The regulations are complex enough that you see captive agents, independent agents, brokers, wholesalers, specialty writers, clusters, third party adjusters, non-admitted insurers and excess and surplus writers. Our goal is to bring efficiency to that industry — by connecting you with somebody looking for exactly your skills and experience.
Why you have to sign up
We are fighting fake profiles and bad actors
It is a constant fight, and if we stop, your experience on Kiv Broker will rapidly deteriorate. Scammers will try everything to take you off the platform and extract money from you.
Email verification
We have put processes in place to control that you are a human being. That is why we ask you to verify your email.
Keep the conversation here
Try to keep all discussions on Kiv Broker. Our chat system is secure and compliant with both CCPA in California and GDPR in Europe, and we archive all discussions and documents.
Payments on Stripe
Our subscription payment is secure and runs on Stripe, the largest and most widely used API today. We do not see and do not store your credit card information.
We are super concerned — even paranoid — about privacy issues. Do not give your personal cell phone number, your personal address or email, your bank information or PayPal account. Nothing beyond what is required in our application process. If you have the slightest doubt, reach out to us.
Reputation
We are building a ranking system for all interactions
The goal is to work with the very best, in a cost effective way.
You will rate the quality of the lead — did you waste your time, or did you acquire a great client in your specialty — and the quality of the professional: level of knowledge, how quick they were to react and adapt, and how cost effective they turned out to be.
One of the reasons several providers want to transact direct is that there were problems in the past related to previous transactions. A public ranking is how that gets fixed rather than repeated.
What is rated
- Quality of the leadWas it worth your time?
- KnowledgeDid they know the subject?
- Reaction speedQuick to react and adapt
- Cost effectivenessWas the outcome worth the fee?
Ratings feed the match, so the next lead you see is better chosen than the last.
Cost
Who can browse a lead?
You need to sign up for one of the plans we offer. We have a cost effective plan at $9 a month if you sign up for an annual subscription.
We can also cut that cost to zero:
- For every lead you post, you get a month off
- For every professional you refer, you get a month off — if they subscribe to any of the plans we offer
Why pay for leads at all?
A voluntary system, inside the rules
Kiv Broker is built around the need to interact and solve problems in a difficult economic environment. We are building a totally voluntary system: if you acquire a great client, we will ask you to provide a donation.
There are rules around insurance commission sharing — you can only share commissions with a licensed individual in that state — and around rebating. We must comply 100% with state and federal laws.
You may also enter into an agreement with the lead provider, and we facilitate payments directly on Kiv Broker using Stripe. Funds are kept in escrow until you tell us the information has been received by you.
Do not share your credit card information or bank credentials with anybody.
Help
Help is one or two clicks away
Kiv Broker is a small community.
Sign up for free, or browse leads
A public profile costs nothing. Browsing leads is $9 a month on an annual subscription, and posting a lead earns a month back.