Five AI agents run the full final expense lifecycle — sourcing, closing, submitting, retaining. You host a node. The flat fee lands.
A licensed inbound lead — a customer-service call flipped from a partner agency or a fresh inbound — enters the LegacyCore platform. The Lead Harvester logs it, runs TCPA / DNC checks, and routes it to the AI Closer queue. No human touches the lead before the AI does. Compliance Monitor watches the entire intake for state-by-state disclosure rules (Texas TRAIGA AI-disclosure, federal TCPA, internal DNC).
The AI Closer (Retell AI voice + ElevenLabs cloned voice) places the outbound call within seconds. It runs the discovery, walks the carrier waterfall (Tier 1 best-health → Tier 2 mid-health → Tier 3 guaranteed-issue), handles every objection, and closes the sale logic-first — not emotion-first. Calls can run an hour or longer if the close is progressing. The AI never transfers the client to a human verifier — it owns the close end-to-end.
While the AI Closer keeps the client on the line for the 5-7 minute post-close hold bridge, NemoClaw Portal Worker — a hardened browser agent running on the licensed node operator's PC — opens the chosen carrier portal, fills the entire e-application from structured pipeline data, runs the underwriting questions, and submits. Parallel carrier staging means the top four eligible carriers are queued at once: if the first declines, NemoClaw pivots in seconds.
Once the policy is bound, the Conservation Agent (Hermes) takes over post-submission. It sends a humanized welcome SMS and policy summary email, monitors GoHighLevel for CS conversations, drafts retention replies on missed-payment flags, schedules Handwrytten thank-you cards, and triggers proactive retention calls if the policy goes Needs-Attention. Every outbound message is approval-pending until the agency owner clicks Approve.
Licensed submission-node operators earn a flat fee per issued policy. CS leads pay the higher tier, regular inbound leads pay the standard tier, guaranteed-issue products sit at a separate lower tier. A 60-day clawback window applies — if a policy lapses before day 61, the fee is auto-deducted from your next cycle. After day 61, the fee is fully earned. No splits, no graduated tiers, no carrier-by-carrier reconciliation.
Limited to 5-10 licensed submission-node operators per quarter. Applications reviewed within 72 hours.