Protect the book of business you built.
The sale is just the start. EverKeep gets your clients into a branded vault where their policies, beneficiaries, and your contact info live side by side — so coverage is findable when it matters, your name stays in front of the family, and the next agent who calls can't replace what you built.
Free for 30 days · then $29/mo · cancel anytime
The numbers agents don't talk about
Every independent agent knows these problems. Nobody has solved them. Until now.
Of life insurance policies lapse in the first three years. Every one of those lapses is a chargeback waiting to happen — and you get no warning before it does.
The average gap between meaningful contact with an existing client. In that window, competitors move in, clients forget who you are, and relationships quietly disappear.
Estimated annual commission loss for the average independent agent due to preventable policy lapses and chargebacks. Money you already earned — taken back.
Policyholders ever update their beneficiary after a major life event. Beneficiaries who never see the vault never become referrals — and families who can't find the policy at claim time can't prove the value of what you sold them.
Two ways to get your client into their vault
Activation starts the moment the policy is in flight. Pick whichever flow fits the client — both land them inside a branded vault with you as their agent for life.
Overview
Your book at a glance — what needs attention today.
Tuesday, June 16
Good morning, Sarah
2 renewals today · 7 in next 30d · 3 at-risk · 1 new signup
62 total · 9 pending
AP across book
invited → active
12 · 18 in 60/90
5 dormant
logged this week
Today
4- CallJames MitchellUrgent
Premium lapse risk · Banner Life Term · last paid 41 days ago
- ReviewLinda & Carlos Vega
Renewal in 6 days · Mutual of Omaha · $412/mo whole life
- NudgePriya Shah
Invite stalled · Sent 9 days ago · 2 opens, no signup
- ScheduleMarcus Hill
New client — welcome call · Activated vault yesterday · 2 policies loaded
Recent activity
LiveMarcus Hill accepted vault invite
2m ago
Linda Vega uploaded MoO policy PDF
1h ago
Logged call with Priya Shah
3h ago
Renewal reminder sent — 7 clients
Yesterday
A live look at your agent dashboard. Sample data shown.
Pre-fill their vault, then send the invite
Drop in the carrier, product, face amount, premium, beneficiaries, and policy number right after the app is submitted. When your client clicks the invite, every detail is already there waiting for them — no homework, no friction, no reason to put it off. Most clients activate the same day they get the link.
- You stay in control of the data — clean records from day one
- Zero work asked of the client to "get value"
- Best for newly issued policies and white-glove practices
Send a personalized link, let them fill it in
Generate a personalized link branded to you and text or email it to the client. They walk through a guided flow that captures every policy they own — including the ones you didn't sell them. You instantly see the full picture of their household coverage and every gap inside it.
- Captures outside policies your CRM has never seen
- Perfect for existing book activation and orphan clients
- Every new policy added pings your dashboard in real time
What it costs vs. what it saves
$29/month flat. Move the sliders to see what one quiet save is worth.
Lapses saved, coverage gaps closed, chargebacks prevented, and surrender-window saves combined.
First-year commission modeled at 100% of AP.
And the upside you can't put on a slider: deeper credibility with every client who sees you proactively protecting their coverage — turning your book into your best referral engine.
"Every activated client is a policy that doesn't lapse, a replacement that doesn't happen, and a beneficiary who already knows my name."
Up and running in one afternoon
Set up your branded profile
Add your name, photo, contact information, and agency branding. Your clients see a professional, personalized experience that reflects your practice — not a generic app.
Invite your clients
Send a simple text or email to your book of business. One click and your clients are in their vault. Most agents see 40–60% of clients activate within two weeks.
Watch your dashboard
As clients upload their policies, your dashboard populates automatically. Coverage gaps, lapse risks, outdated beneficiaries, and surrender windows surface in real time.
Act before the problem
When an alert fires, reach out. Your client gets a message from their trusted advisor at exactly the moment they need one. That is not sales. That is service.
Simple, transparent pricing
One plan. Everything included. No hidden fees. No per-client charges. No long-term contracts.
- Branded client-facing vault with your name and photo
- Unlimited client invitations
- Pre-fill client vaults and send branded invites
- Personalized client capture links
- Automated annual policy reviews with AI meeting notes
- Full book-of-business dashboard
- Real-time lapse risk alerts
- Coverage gap notifications
- Beneficiary flag alerts
- Annuity surrender window tracker
- Client engagement scores
- Referral attribution tracking
- Priority support
Cancel anytime. No long-term contracts. Your client data is always yours.
Managing a network of agents?
EverKeep offers IMO and agency-level licensing that covers your entire agent network under one agreement — with network-wide persistency reporting, agency branding, and dedicated support.
What agents are saying
Real stories from agents, agencies, and distribution leaders who use EverKeep to protect persistency, deepen trust, and grow referrals.
We rolled EverKeep out across 180 producers and saw chargebacks drop by a third in the first six months. The branded vault keeps our agents in front of clients between meetings — that is what moved persistency.
I got a lapse alert on a $750K UL policy two weeks before the grace period closed. One phone call, one updated draft date, policy stays in force. That single save paid for EverKeep for the next decade.
Our BGA was bleeding business to the orphan-policy problem. EverKeep gave every agent a real book-of-business view for the first time. Referrals from existing clients are up 41% year over year.
Clients used to forget my name between annual reviews. Now they open the app, see my face, and text me directly. I have closed four cross-sells this quarter from conversations that started inside their vault.
The surrender window tracker alone is worth the subscription. We are reaching annuity clients 90 days before their window opens — before any competitor has a chance to. Our retention numbers have never looked better.
I built my book one handshake at a time over 22 years. EverKeep is the first tool that actually respects that — it protects relationships instead of trying to automate them away. My clients love it. So do I.
Built specifically for independent agents
EverKeep was built by people who understand independent distribution. You built your book relationship by relationship — and you protect it the same way.
The established agent with 200+ clients
You built it relationship by relationship — and replacement agents are circling every one of them. Activating your existing book inside EverKeep locks in persistency, keeps you in front of every household, and turns twenty years of trust into a moat competitors can't cross.
The growing agent building a practice
Every new policy you write should compound. The agents with the highest activation rates turn each sale into a long-term relationship, every beneficiary into a future client, and every claim into a referral story. The vault is how you build that flywheel from day one.
The agency owner managing multiple agents
EverKeep scales across your entire team. Every agent gets their own branded dashboard, you get agency-level visibility into activation rates, persistency, and book health — and you can finally answer the question every IMO asks: how many of our clients are still ours a year from now?
Your book stays yours
Built with the security and data controls independent agents need — no IT department required.
Your book, your data
Export every client and policy to CSV anytime. Cancel and you walk out with everything you walked in with.
Bank-grade encryption
AES-256 at rest, TLS 1.3 in transit. US-hosted infrastructure. Client data never sold, never shared, never used to train AI.
SOC 2 & HIPAA-aligned
Built to SOC 2 Type II and HIPAA controls. Carrier-agnostic — EverKeep doesn't quote, bind, or replace, so it sits cleanly alongside every appointment you hold.
Questions agents ask us
Articles you can share with clients
The 5-minute policy review that wins client trust
A repeatable structure that uncovers gaps and reopens conversations.
BeneficiariesHow to update your life insurance beneficiary
A natural reason to call any client whose situation has changed.
Policy basicsWhat happens to life insurance when you change jobs
The conversation starter for every recent hire or layoff in your book.
Your book of business built this career. Activation protects it.
Every client you get into EverKeep is a policy that doesn't lapse, a replacement that doesn't happen, and a beneficiary who already knows your name. Start activating today — 30 days free.
Cancel anytime. No long-term contracts.