Introduction to RevEngine
RevEngine gives insurance brokers a live intelligence layer over their entire policy portfolio — tracking coverage gaps, renewal risk, churn signals, and cross-sell opportunities across every carrier and line of business.
How RevEngine works
RevEngine connects to your carrier data sources and runs a three-step process to build and maintain your policy portfolio intelligence layer.
ingest → Policy data in from CSV, GoHighLevel, AMS, or carrier feeds
enrich → Policyholders matched, coverage scored, renewal dates indexed
surface → Opportunities, risks, and scores delivered to the app + API
Quick start
Get your first carrier export into RevEngine and see your portfolio intelligence in under 10 minutes.
policyholder_name, carrier, product_type, effective_date, and agent_id. Optional fields like annual_premium and policy_status unlock additional analytics.CSV import
CSV import is the universal starting point. If you can export a spreadsheet from your AMS or carrier portal, RevEngine can ingest it — regardless of column names or file format.
Supported file types
RevEngine accepts .csv, .xls, and .xlsx files up to 50MB. Files with multiple sheets use the first sheet by default; you can select a different sheet during the import flow.
Required fields
These five fields must be present (under any column name — the mapper handles the matching):
| Field | Description | Example values |
|---|---|---|
| policyholder_name | Full name of the insured client | string |
| carrier | Insurance carrier name | string |
| product_type | Line of business or product category | Medicare, Life, Annuity, LTC… |
| effective_date | Policy effective/start date | YYYY-MM-DD or MM/DD/YYYY |
| agent_id | Identifier for the writing agent | string or numeric ID |
Optional fields
Including these fields unlocks additional analytics layers:
| Field | Unlocks |
|---|---|
| annual_premium | Revenue analytics, opportunity math, commission calculations |
| policy_status | Churn detection, lapse tracking, retention scoring |
| termination_date | Lapse identification, re-engagement flagging |
| policyholder_dob | Age-based scenario scoring (e.g. Medicare eligibility) |
| state | Geographic coverage maps and state-level analytics |
Re-importing to refresh data
Uploading a new export refreshes your portfolio. RevEngine diffs the new file against the previous import to detect additions, lapses, carrier changes, and coverage updates. Policyholders matched by name (and optionally by carrier or agent) are updated in place rather than duplicated.
GoHighLevel setup
The GoHighLevel integration syncs your GHL contact records with your RevEngine portfolio — writing cross-sell opportunity tags, coverage gap flags, and payout status back to GHL so your agents see them where they work.
Prerequisites
You need a GoHighLevel account with API access enabled. RevEngine connects via the GHL API v2 — no developer tools or webhooks to configure manually.
Setup steps
What syncs
| Direction | Data |
|---|---|
| GHL → RevEngine | Contact records, agent assignments, contact custom fields |
| RevEngine → GHL | Cross-sell opportunity tags, coverage gap flags, payout status, campaign trigger events |
| Bidirectional | Smart list membership, exception flags, campaign response status |
Agent scorecards
Scorecards give each agent — and agency leadership — a snapshot of portfolio health for any rolling period. They update automatically whenever portfolio data changes and require no manual configuration beyond the initial data import.
What's in a scorecard
| Metric | What it measures |
|---|---|
| Total policies | All active policies attributed to the agent across all carriers and lines |
| Policyholders | Distinct clients — one policyholder may have multiple policies |
| Open opportunities | Count of unaddressed coverage gaps for this agent's book |
| Opportunity penetration | Percentage of policyholders with at least one open cross-sell scenario |
| 13-month persistency | Percentage of policies still active 13 months after effective date |
| 25-month persistency | Same metric at 25 months — industry-standard retention benchmark |
| Renewals in 90 days | Policies entering renewal window — advance notice for outreach planning |
| Avg policies per client | Cross-sell depth across the agent's book; higher = stronger multi-line penetration |
Scorecard periods
Scorecards are computed for three rolling windows simultaneously: current month to date, current quarter to date, and year to date. Historical scorecard snapshots are retained for trend comparison — use the period selector in the Scorecards view to compare any two periods side by side.
Leaderboard view
The Scorecards leaderboard ranks all agents in your book on a configurable primary metric — opportunity penetration, persistency, or opportunity count. Use it to identify top performers to replicate and lagging agents who may need coaching or book reassignment. Leaderboard data is available via the /v1/scorecards API endpoint and the MCP agent_leaderboard tool.
Cross-sell opportunity engine
The opportunity engine scans every policyholder in your book against a library of coverage scenarios and surfaces the ones that represent a real cross-sell opening. Each policyholder gets scored by fit — not just flagged — so your agents know who to call first.
How it works
Opportunity lifecycle
| Status | Meaning |
|---|---|
| Open | Coverage gap exists, no outreach started |
| Contacted | Agent or campaign has initiated outreach |
| In Progress | Quote issued or appointment booked |
| Won | Policy bound — opportunity closed successfully |
| Lost / Declined | Policyholder declined or is ineligible |
| Snoozed | Deferred to a future date — resurfaces automatically |
Coverage scenarios
Coverage scenarios are the rules that define what a cross-sell or gap-fill opportunity looks like for your book. RevEngine ships with a standard library of insurance-specific scenarios; you can also create custom scenarios for your carriers and product lines.
Built-in scenario library
| Scenario | Condition | Typical opportunity |
|---|---|---|
| Medicare → No Life | Has Medicare Supplement or Advantage, no Life policy | Term or whole life upsell |
| Medicare → No Annuity | Has Medicare, no annuity of any type | Fixed or MYGA annuity |
| Life → No Annuity | Has Life policy, no deferred or income annuity | Retirement income planning |
| Annuity → No LTC | Has annuity, no long-term care coverage | LTC or hybrid product |
| Single product only | Only one policy across all carriers and lines | Any second line — broadest opportunity |
| No hospital indemnity | Has health or Medicare, no hospital indemnity supplement | Hospital indemnity add-on |
| Lapse re-engagement | Had a policy that lapsed within the last 18 months | Re-quote and win back |
Custom scenarios
Go to Settings → Coverage Scenarios to create your own. A custom scenario defines: a required product condition (what the policyholder must have), an absence condition (what they're missing), and an optional age range or state filter to narrow eligibility. Custom scenarios run alongside the built-in library on every analysis pass.
Churn & renewal signals
RevEngine monitors your portfolio continuously for signs of churn risk and upcoming renewals, so your agents can intervene before a policy lapses rather than discovering it after the fact.
Signal types
| Signal | Severity | Trigger condition |
|---|---|---|
| Policy lapsed | Critical | Policy moved to lapsed/cancelled status with no renewal on record |
| Renewal window open | Warning | Policy renewing within 60 days, no agent contact logged in past 30 days |
| Premium decrease | Warning | Annual premium dropped >10% vs prior period — possible coverage downgrade |
| Carrier transfer | Warning | Carrier changed on a policy without a corresponding agent-initiated event |
| No-contact risk | Watch | Policyholder with 3+ policies and no agent activity in 90 days |
| Persistency at risk | Watch | Policy approaching 13-month mark with low engagement signal |
Alerts dashboard
The Churn Signals view in your RevEngine dashboard lists all active alerts sorted by severity. Each alert shows the policyholder, policy, agent, and the specific condition that triggered it. Click any alert to see the full policy context and take action — log a contact, snooze the alert, or trigger a retention campaign.
Retention campaigns
Churn signals can trigger automated retention outreach via the campaign add-on. When RevEngine detects a renewal window or lapse risk, it can automatically enqueue a multi-touch sequence in GoHighLevel — reaching the policyholder before the renewal date with agent-reviewed messaging. See the campaign add-on page for the full performance fee model and attribution details.
Commission processing
RevEngine can ingest carrier commission statements, apply your rate schedules, calculate agent payouts, and surface variance between what carriers paid and what was expected. Commission processing is available on the Professional plan and above.
How commission data flows
import → Carrier statement (CSV, XLS, or PDF parse)
match → Each row matched to a policy in your RevEngine book
apply → Rate schedules applied per carrier, line, and agent tier
calculate → Agent payout amounts computed and batched
reconcile → Variance flagged between expected vs received amounts
Reconciliation and variance
RevEngine tracks what each carrier owes based on your rate schedules and compares it to what was actually paid. Discrepancies are surfaced as reconciliation exceptions — with the policy, expected amount, received amount, and variance — so you can dispute or write off each one individually. Every exception has a full audit trail from carrier statement to payout decision.
Agent payouts
Once a commission batch is approved, RevEngine can generate payout records for each agent. Payout batches are exportable as CSV and — for Professional plan users with Stripe connected — can trigger direct agent transfers automatically via the POST /v1/payouts/batch endpoint.
Weekly digest
The weekly digest is an auto-generated summary email sent to agency principals, managers, or any configured recipient every Monday morning. It distills the week's portfolio activity into a single scannable report — no login required to see what changed.
What's included
| Section | Contents |
|---|---|
| New lapses | Policies that lapsed or cancelled in the past 7 days, grouped by agent |
| Upcoming renewals | Policies renewing in the next 30 days with no logged agent contact |
| Top opportunities | Highest-scored cross-sell opportunities across the book — a ready-made call list |
| Agent scorecard changes | Which agents improved or declined vs the prior week on key metrics |
| Exceptions to resolve | Import errors or unmatched records that need attention before they affect reporting |
| Portfolio summary | Total active policies, policyholders, open opportunity count — week-over-week comparison |
Enabling the digest
Go to Settings → Notifications → Weekly Digest. Enter recipient emails (comma-separated for multiple recipients), select the delivery time, and toggle it on. Digest emails are sent at 7:00 AM in your configured timezone every Monday. You can also trigger an on-demand digest from the same settings screen.
Key concepts
Policyholders
The core entity in RevEngine. A policyholder is a client with one or more active policies across any number of carriers and lines of business. RevEngine builds a unified record per policyholder — deduplicating across data sources and tracking their full coverage history over time.
Policies
A single coverage contract. Each policy has a carrier, line of business, effective date, premium, and status. Policies are the raw data RevEngine ingests — from CSV uploads, AMS integrations, or direct carrier feeds — and the foundation of all portfolio analysis.
Coverage Scenarios
A configurable rule that defines a cross-sell or gap-fill opportunity. For example: "policyholder has Medicare but no Life or Annuity product." RevEngine evaluates every policyholder against your configured scenarios and surfaces matches as actionable opportunities in the dashboard and API.
Scorecards
A per-agent or per-team summary of portfolio health: total policies, retention rate, open opportunity count, carrier concentration, and penetration rate. Scorecards update automatically as the underlying portfolio data changes.
Carriers
The insurance companies whose policies appear in your portfolio. Each carrier is configured in RevEngine with its line mappings and data format details, allowing RevEngine to normalize coverage data across your entire book into a consistent structure.
Exceptions
A record that RevEngine could not enrich automatically — due to missing policyholder matching data, an unrecognized carrier, or a malformed import. Exceptions are surfaced in the dashboard and must be resolved before the affected records are included in portfolio analysis.
API overview
The RevEngine REST API gives you programmatic access to your policy portfolio: policyholder records, coverage gaps, opportunity signals, and agent scorecards. Full API reference documentation is coming soon — available to early access partners on request.
Authentication
All API requests are authenticated using an API key sent in the request header:
Authorization: Bearer re_live_xxxxxxxxxxxx
Content-Type: application/json
Core endpoints
| Endpoint | Method | Description | Status |
|---|---|---|---|
| /v1/policyholders | GET | List all policyholders with coverage summary | Available |
| /v1/policyholders/:id | GET | Get full coverage history for a policyholder | Available |
| /v1/opportunities | GET | List open coverage gaps and cross-sell signals | Available |
| /v1/scorecards | GET | Get agent scorecards for current period | Coming soon |
| /v1/carriers | GET | List configured carriers and line mappings | Coming soon |
| /v1/webhooks | POST | Register a webhook for opportunity or renewal events | Coming soon |
MCP Access
RevEngine exposes a Model Context Protocol (MCP) server that gives any MCP-compatible AI agent — Claude, Cursor, or your own — live read access to your policy portfolio: policyholder records, coverage gaps, renewal timelines, and opportunity signals.
What you can do with the MCP
- Ask natural language questions about your book of business
- Pull coverage gap lists directly into Claude or Cursor
- Automate outreach triggers by querying renewal risk scores
- Build custom AI workflows on top of live portfolio data
Quick setup
Add the following to your Claude Desktop or Cursor MCP settings file, then restart the application:
{
"mcpServers": {
"revengine": {
"command": "npx",
"args": ["-y", "@revengine/mcp"],
"env": {
"REVENGINE_API_KEY": "re_live_xxxxxxxxxxxx"
}
}
}
}
Your API key is in Settings → API Keys inside your RevEngine dashboard. MCP access is available to all early access users at no additional cost.