Email verification for insurers and agencies
Policy documents, renewal reminders and claim updates often go to an address collected at quote time, sometimes years earlier. If that mailbox has died, the renewal reminder bounces and nobody notices until the policy lapses. Verification checks the address at the quote and again before the moments that matter, without contacting the policyholder.
- Nothing is sent to the inbox
- Catch-all and unknown are free
- 100 free credits, no card
Where bad addresses come from
Online quote forms
People who want a price without the follow-up calls and emails type throwaway or made-up addresses. Some of those quotes still turn into policies.
Agent-entered applications
Addresses read out over the phone or copied from paper forms pick up typos that nobody spots until the first document fails to arrive.
Long policy terms
A home or life policy can run for years with the same address on file, while the policyholder changes jobs or email providers in the meantime.
Bought leads and book transfers
Leads from comparison sites and lead vendors, and books of business acquired from other agencies, come with data of unknown age and quality.
Where to verify, and what to do with the answer
| Where | How | What to do |
|---|---|---|
| Online quote and application forms | Real-time API check | Ask for a real address when the result is disposable or invalid, before documents are issued to it; offer the suggested typo fix for typos. |
| Policies renewing in the next 60 days | Bulk check of the renewal list | Flag invalid addresses for an agent call or a letter, so the reminder still reaches the policyholder. |
| When a claim is opened | Single API check of the address on file | If it comes back invalid, ask for a current address on the first call, before status updates start going out. |
| Purchased leads and transferred books | Bulk check before import into your CRM | Keep invalid and disposable addresses out of the CRM and out of your sending reputation. |
Real-time checks use the email verification API; lists go through bulk verification (CSV or Excel, up to 500,000 addresses per file).
What to watch for in the results
Disposable addresses at quote time
Temporary-inbox addresses are flagged as disposable and use a credit like any definite answer. They are the clearest sign that a quote request will not become a reachable customer.
Role addresses on commercial lines
accounts@ or office@ is often the right contact for a business policy. The role flag lets you keep them on commercial lists and treat them differently in personal lines.
Risky is not a reason to rely on email alone
Catch-all and unknown results are free and mean the mailbox could not be confirmed. Keep the address, but send anything time-critical, such as a renewal notice, by a second channel too.
Every result comes with a quality to act on: good (send), risky (catch-all or unknown) or bad (invalid or disposable), plus a 0-100 risk score and the reason behind it. Read how catch-all detection works.
What it costs
Checking a book of 100,000 policyholders needs at most 100,000 credits: $120 at pay-as-you-go prices, about $0.0012 per address. Only definite answers (valid, invalid or disposable) use a credit; catch-all, unknown and error results are free, so the same pack often covers more. Credits never expire.
See every volume on the price list, or see how we compare with other verifiers.
Works with the tools you already use
Not on the list? Export a CSV, verify it, and import the results: your original columns come back with the verdict added. See all integrations.
Questions from insurers and agencies
Do policyholders see anything when we verify them?
No. The check talks to the recipient's mail server and disconnects before any message is sent, so nothing reaches the policyholder.
Does verification satisfy regulatory delivery requirements?
No. It tells you whether an address can receive mail; it is not proof of delivery. Confirm notice requirements with your compliance team. This page is general information, not legal advice.
How often should we verify the policyholder list?
Before each renewal cycle for the policies involved, at every claim, and whenever leads or books are imported. Checking only the policies due for renewal keeps the cost low.
Should policy documents and marketing share a sending setup?
It is safer to keep them apart, for example on separate subdomains or sending streams, so a marketing campaign cannot affect the delivery of policy documents. Verify both lists either way.
Further reading
- Transactional vs Marketing Email: Key Differences
- Email List Decay Rate: How Fast Lists Actually Die and Why It Matters
- What Are Disposable Email Addresses and How to Block Them
- Email List Cleaning: How Often to Do It and Why 90 Days Is the Rule
- Email verification for law firms
- Email verification for dealerships and dealer groups
- Email verification for colleges and universities
- Email verification for hotels, tour operators and travel brands
- Email verification for publishers and newsletter teams
Check a sample of your list before your next send
Free credits on sign-up. No card. You only pay for definite answers.
Start free