The channel you’ve been looking for.
VFIntel is an embedded distribution surface and verified data source for every regulated counterparty who underwrites, insures, or lends to the rental economy: carriers, MGAs, credit bureaus, underwriters, and BNPL providers. It is one connected record the rental economy can act on: the regulated financial data behind every lease, turned into intelligence you can price, score, and lend on.
Embedded at the point of legal obligation.
VFIntel delivers renters insurance at lease signing, the moment the renter is required to hold coverage. It is the highest-receptivity distribution moment in the industry, and it has not been accessible at scale until now. It also survives the shift to AI agents: placement lives inside the surface where the agent acts, not in a separate funnel outside where the agent works.
| Metric | Today: traditional distribution | VFIntel: embedded distribution |
|---|---|---|
| Acquisition cost | High-cost outbound acquisition, purchased lead by lead | Embedded acquisition through the lease integration itself |
| Attach rate | 2 to 5% through cold and broker-led outbound | About 58% embedded at lease signing (industry research) |
| Expense ratio | Elevated by outbound acquisition drag | Compressed by embedded, integration-based distribution |
| Churn at move | Renewal is lost at every move; re-acquisition starts over | The policy travels with the renter’s Wallet, not the property |
| Payment cost | Roughly $9 to $10 to process a $300 annual premium by credit card | About $1 on the same ACH rail as rent |
| Timing | Weeks after move-in, past peak receptivity | At signing, the moment of legal obligation |
Attach rate: embedded-insurance industry research, 2025 to 2026. Payment cost: dollar comparison on a $300 annual premium.
Backed by an established pipeline of about 275,000 units already secured without marketing spend, anchored by a family-office real estate network and the Saskatchewan proof of concept.
Position 1 locks at founding.
The first carrier to found a partnership secures Position 1, the recommended product shown at lease signing, in their chosen geography. Position 1 is not offered again after the founding round closes.
Recommended product
The product shown first at the lease moment
The recommended product carries the majority of accepted coverage at the lease moment. Locked at founding with province and state exclusivity. No competitive displacement after the round closes.
Alternative offer
The second offer a renter sees
Presented as the alternative offer. Full economics minus the Position 1 conversion advantage. Access to cross-sell triggers and portfolio data.
Renters insurance conversion by distribution channel, percent of eligible renters
The lease moment, not the product, drives conversion
Conversion at the lease moment runs about 58%, versus low single digits through outbound channels.
About 73% of renters are more likely to buy when coverage is bundled with rent.
Source: embedded-insurance industry research, 2025 to 2026; industry channel benchmarks. Bundled-purchase stat: market reporting, 2025 to 2026.
Retention tax, distribution cost replaced, cross-sell GWP. Run the carrier-specific levers against your own book, every assumption editable.
A single channel for your entire shelf.
VFIntel carries every product line on the MGA shelf, renters through warranty, on one rental-economy channel triggered by verified lease signals rather than cold outreach.
| Product | What it does | Trigger signal | Distribution |
|---|---|---|---|
| Renters insurance | Core liability and contents coverage | Lease signing, anchor | Position 1 |
| Auto insurance | Vehicle coverage tied to a declared parking spot | Parking spot declared | Cross-sell trigger |
| Pet insurance | Coverage for a pet declared on the lease | Pet declared on lease | Cross-sell trigger |
| Life insurance | Term life offer surfaced through wallet tenure | Wallet tenure signal | Wallet offer |
| Home insurance | Homeowner coverage at the ownership transition | Homeownership transition | Lifecycle trigger |
| Landlord warranty | Landlord-side protection sold through the PMC | PMC integration | Landlord-side offer |
| Renter warranty | Appliance and system protection bundled with the anchor | Lease signing | Bundled with anchor |
| Gap coverage | Coverage that replaces a security deposit | Deposit replacement | Deposit workflow |
Multi-carrier shelf, all geographies
A multi-carrier MGA can fill every position across every VFIntel geography through one integration, with no separate carrier negotiations per market.
Cross-sell velocity that did not exist
One anchor conversion unlocks auto, pet, and life eligibility. The MGA earns across all three without additional outreach.
Verified renter data lifts underwriting
Every inbound is pre-verified on regulated rails: identity, income, banking. A higher-quality cohort improves loss ratios and program economics.
MGA economics ride the same carrier rail: retention tax, distribution cost replaced, cross-sell GWP across your shelf. Run the numbers against your own book.
A new signal. From the largest gap in consumer credit.
87% of rent payments are invisible to credit bureaus today. VFIntel furnishes verified, lease-attached rent payment data toward the major bureaus: a behavioral signal from a financial event not systematically captured at scale until now. VFIntel is designed to be reported to all three bureaus: Equifax, TransUnion, and Experian, under an FCRA-aligned framework.
A verified data stream at scale
Identity-confirmed, income-validated, continuously current payment records from a cohort that produces no reportable data under any existing system.
Thin file enrichment
Millions of renters are credit invisible. VFIntel’s verified rent history is designed to thicken those files with a new class of behavioral data.
Multi-dimensional lease signal
Every lease event generates identity, income, payment, insurance, and banking signals at once. Richer than any single-source renter record a bureau receives today.
Better underwriting on a new cohort
Renters have historically been underwritten against thin or proxy data. Continuous verified history is designed to enable actuarially sound pricing.
FCRA-aligned governance by design
Built around an FCRA-aligned furnishment framework: renter-consented, audit-ready, scoped per bureau relationship. No cross-partner leakage.
Payment-rail savings, origination cost replaced, default improvement: the lender-specific levers, every assumption editable against your own volume.
Credit that fits the rental cash-flow pattern.
Rental households have predictable, recurring payment obligations and thin access to rate-appropriate credit. Once a Wallet carries verified rent history and live income signals, a new product surface opens: not generic consumer BNPL, but credit purpose-built for the events inside a lease. One regulated entity fronts the relationship: one consent, one compliance surface, one renter view.
Deposit financing
Move-in deposits smoothed across the first quarter of the lease, underwritten against the signal that matters: the lease itself and verified income on rails.
Rent-smoothing credit
Narrow-purpose short-term credit for verified Wallet holders with a continuous on-time rent signal, a cohort existing bureau models cannot see.
Lease-gap coverage products
Lease turnover, between leases and between geographies, creates predictable credit needs. The Wallet makes them underwritable by design.
BNPL and short-term credit ride the same lender rail: payment rails, origination cost, default delta on verified-renter accounts. Directional math, every assumption editable.
Common questions, direct answers.
Lease signing is the moment a renter is legally required to hold coverage. Embedded distribution at that moment converts at about 58%, versus 2 to 5% through cold or broker-led outbound channels, per embedded-insurance industry research.
Verified, lease-attached rent payment data under an FCRA-aligned furnishment framework. VFIntel is designed to be reported to all three major bureaus, Equifax, TransUnion, and Experian, with bureau partnerships in development.
The first carrier to found a partnership secures Position 1, the recommended product shown at lease signing in their chosen geography, locked at founding with no competitive displacement after the round closes. A second carrier can hold Position 2, the alternative offer.
Once a Wallet carries verified rent history and live income signals, purpose-built credit becomes underwritable: deposit financing, rent-smoothing credit, and lease-gap coverage products, all fronted by one regulated entity.
Fifteen minutes. The map of what’s available.
Tell us whether you are a carrier, an MGA, a bureau, or a credit provider, and bring your sharpest question about how the integration would look against your specific program or product line.
Further reading: Why Regulated Infrastructure Gets More Valuable in an AI World, the case for distribution built on licensed rails. And The Most Valuable Position in AI Is Not the Model, why the surface where agents act is the durable layer.