In-force intelligence · For the people who own the books
Deal packets that turn orphaned and under-serviced policies into placed business for your producers. Send the files you already have. Closedblock reads the whole book and hands each opportunity back as one page, ready to work.
01 · The problem
Writing agents retire or leave. Their clients keep paying premiums, and nobody calls them.
Term conversion deadlines pass quietly, and the option expires with them.
Underfunded universal life policies lose value year after year until they lapse.
Today's tools are dashboards. They show where the problems are, then wait for someone to act. Meanwhile the book ages, the agent force shrinks, and the opportunities expire unworked.
02 · How it works
AMS exports, carrier downloads, statements, PDFs. No reformatting. For priority policies, you request in-force illustrations under your agent-of-record standing.
Each policy is rebuilt and checked for lapse risk, closing conversion windows, stopped premiums and overdue reviews, then ranked.
Each opportunity arrives as a one-page deal packet. A producer pulls it, has the conversation, and records the outcome.
What you never do
Reformat data, fill in templates, involve your IT team or change your CRM.
03 · The deal packet
Your reps work in Closedblock. Your clients only ever see you. Packets and letters carry your letterhead, and Closedblock never contacts a policyholder.
Projected to lapse at 78 on the current premium.
| Field | Value | Source |
|---|---|---|
| Product | Universal life, 1998 | Agency record |
| Face amount | $250,000 | Agency record |
| Premium | Unchanged 28 years | Carrier portal |
| Cash value | Declining | Illustration |
Options · Indicative quotes
| Keep, funded to age 100 | $8,900 per year |
| Reduce face to $150,000 | $4,700 per year |
| New guaranteed UL, $250,000 | $6,300–$7,400 / yr, 3 carriers |
04 · Day to day
05 · Compliance & security
Keeping, reducing or taking paid-up coverage are full outcomes. Closedblock earns nothing when a client keeps a policy as is.
Packets and letters carry your letterhead. Closedblock never contacts a policyholder.
Run by a licensed Massachusetts producer. Your writing producers handle suitability, replacement forms and disclosures.
No Social Security numbers, bank details or medical records. Encrypted storage under a 201 CMR 17.00 security program.
06 · Pricing
Per policy per year: monitoring, analysis, quotes and every packet.
Of your first-year compensation on placed policies from Closedblock packets.
When a client keeps their policy as is.
A thin base, and upside only when there's upside: the way you already pay your own producers. Invoiced against your commission statements.
Talk through the numbers for your book07 · Founder
James Hilton
Founder, Closedblock
Next step
Send a sample of your existing files and you'll see packets built from your own book. No data moves until the agreement is in writing.