Peach Pilot
Right Quote - Marketecture and Roadmap - 2026-06-04

Right Quote - Marketecture and Roadmap

Top: Right Quote's place in the full Peach Pilot pipeline, left-to-right lead-to-cash. Bottom: Right Quote's internals, exploded. Phase tags show what ships in v1 (now), v1.5, and v2+. Peach Live and Chargeback Prevention bolt onto the core.

PP Product Pipeline left to right is lead-to-cash flow

Lead
TodayFB / Google ads, walk-ins (Google→Zendesk, Meta→GoHighLevel, direct→raw)
PP buildLead-normalization layer (open Q)
→
CRMP4
TodayGoHighLevel
PP buildCustom CRM later
→
DialerP3
TodayZendesk / Wave
PP buildWebhook integration v1.5; replacement later
→
Right QuoteP1 - BUILDING
TodaySafeLife "Insurance Toolkits" - swivel-chair across carrier portals
PP buildOne browser app + admin replaces toolkits
→
Peach LiveP2 - bolt-on
TodayNone - agents work from memory + paper scripts
PP buildLive AI coaching overlay that bolts onto Right Quote (LiveKit + Deepgram + Groq)
→
App Submission
TodayManual agent login to carrier portals
PP buildAPI submission via substrate (Hexure FireLight / iPipeline) v1.5+; RPA dropped
→
CommissionP5
TodayFintary + offshore team (manual reconcile)
PP buildCalc + reconcile system (later phase)
→
Chargeback Preventionbolt-on
TodayNo proactive win-back; chargebacks run high on FEX
PP buildConvert churned customers back: analyze the original call → why they lapsed → AI outbound → self-buy link, at ~40-50% commission. Grayson analyzing the data.
→ → → Right Quote, exploded ↓→ → → →

Right Quote up close the funnel, the bolt-ons, and the roadmap

S0
Login
Google sign-in; Azure SSO direction
→
S1
New Lead
Manual entry: name + phone
→
S2
Demographics
DOB, ZIP, gender, tobacco
→
S3
Health Screening
Conditions + follow-ups
→
S4
Coverage + recs
Quote engine; commission-ranked, inline
→
S5
Banking & Submit
SMS secure entry; sent/opened/submitted
Then a manual carrier-application handoff - the agent submits in the carrier portal (no API submission in v1).
Admin UI - the second Right Quote surface (settings, role-gated; "we become the source"):
A1
Carriers
+
A1.3
Products + comp grids
+
A2
Commissions
+
A3
Agents + state auth
+
A4
Users + roles
Health logic admin + agent profile = v1.5; every admin write hits the audit log.

Data model (GCP / Postgres)

  • Agent profiles (state Y/N, level)
  • Comp grids (per level)
  • Carriers + products
  • Health questions + elimination rules
  • Customers / leads, audit log

Quoting + external

  • FEX Quotes - Final Expense (CSV cache)
  • CompuLife - Term (live API)
  • IUL - deferred (phase 2)
  • Twilio - SMS secure entry
  • Carrier portals - manual login
↓ bolts onto the Right Quote core ↓
Bolt-on - live coaching

Peach Live

formerly "Pal / PAL Coach"

A live-call coaching layer beside the Right Quote funnel. Reads the health flags the agent is entering and suggests the next question + objection handling in real time.

Call audio (LiveKit)→Transcribe (Deepgram)→Recommend (Groq)→Overlay beside Right Quote

Plus a sales-qualification scorecard (agency-configured) and an inline wiki seeded with carrier / underwriting docs. Productized across customers - the cross-customer recommendation engine is PP's value.

Bolt-on - win-back

Chargeback Prevention

convert churned customers back after a chargeback

When a policy lapses, the customer is not gone. We analyze why they churned and re-engage them - turning a chargeback into a fresh sale at a higher PP commission.

Historical calls (incl. original sale call)→Why they churned→AI outbound→Q&A + self-buy link

The AI cannot legally close, so it does the Q&A and sends a link the customer clicks to buy. PP can capture roughly 40-50% commission vs the typical ~10%.

Safe Life: ~7,000 chargebacks ≈ $800K-$1M. Grayson is running a full data analysis, back to the original call, to find the patterns. (started 2026-06-03)

Roadmap how it layers

v1 - now

MVP, shipping to first agents

v2+

platform expansion

Right Quote - Internal Architecture shipping now · phase badges show v1 / v1.5 / v2 / open

FrontendReact / Next.js - role-gated
Agent flow /app/*v1
The funnel the writing agent runs during a live call.
  • S0 Login (Google sign-in; Azure SSO direction)
  • S1 New Lead (manual name + phone)
  • S2 Demographics (DOB, ZIP, gender, tobacco)
  • S3 Health Screening (conditions + follow-ups)
  • S4 Coverage + inline recs (commission-ranked)
  • S5 Banking & Submit (SMS secure entry)
Admin /admin/*v1
Settings within Right Quote, role-gated - not a separate app. Mike's "we become the source" surface.
  • Carriers (enable / disable, metadata)
  • Products + comp grids
  • Agents + state / carrier authorization
  • Health logic admin v1.5
  • Agent profile screen v1.5
  • Audit log feed
Peach Live overlaybolt-on
Live AI coaching pop-up over the agent flow (formerly Pal Coach). Reads the health flags being entered, suggests the next question + objection handling. Agency-configured scorecard + inline wiki. Show / hide controls.
Backend & DataGCP / Postgres
Databasev1
Postgres on GCP / GKE Autopilot - the existing backend. V1 brings Avi's UI together with this backend in one repo (the convergence).
  • Customers / leads, quotes, health responses
  • Carriers, products, comp grids
  • Agents, state auth, product appointments
  • Admin users (5 roles)
  • Audit log (append-only)
  • SMS handoff sessions
Auth + RBACv1
Server-side enforcement. Five roles: super admin, admin, agent, agent+downline, PP staff. Azure SSO direction for identity.
PII encryptionv1
SSN + banking encrypted at rest, never returned to agent / admin APIs. Customer sees only last 4 on confirmation.
External IntegrationsSMS, quoting, telephony, licensing
Twilio SMSv1
Sends the customer-side link for SSN + banking entry. Sent / opened / submitted tracking on the agent screen.
Quoting substratev1
FEX Quotes - Final Expense (CSV cache, ~monthly refresh). CompuLife - Term (live API, rate-limited). IUL deferred to phase 2.
Zendesk webhookv1.5
Inbound call event opens Right Quote with name + phone pre-filled. Manual entry only in v1.
Carrier portalsv1
Manual login by agent for application submission. RPA dropped from v1; API submission TBD with the substrate decision.
SureLC (agent licensing)open
Source of truth for which states / carriers each agent is appointed for. Per-agency account; integration model TBD (no cross-agency visibility).
Identity verificationopen
Placeholder flag in v1; pricing-blocked. Proov / similar deferred to v1.5+.

Out of scope (this marketecture)

Right Quote (P1, focus)
Bolt-on PP build (Peach Live)
Chargeback Prevention
External / current state
v1 Ships now
v1.5 Next minor
bolt-on Peach Live
open Open / blocked

Source: PP product roadmap (priorities P1-P5), Right Quote App Spec, Admin Dashboard Spec, v1.5 backlog, the 2026-06-02 Safe Life + dev-consolidation calls.
v1 brings Avi's UI together with the GCP / Postgres backend in one repo (the convergence). Quoting: FEX Quotes for Final Expense + CompuLife for Term; IUL deferred.
Chargeback Prevention: Safe Life carries ~7,000 chargebacks (roughly $800K-$1M). Grayson is running a full data analysis back to the original call to find the win-back patterns.
Marketecture intentionally readable by non-engineers - if a component is shown, the reader should understand its purpose without an engineering background.