Second
Look Program
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Once a client is ready to leave, give your agency one more chance to preserve the relationship before they’re gone for good.
Don’t lose them completely.
Most Agencies Lose Clients Without a Second Path.
When a client has to move outside your current carrier options, your agency risks losing more than the policy — you risk losing the relationship.
1. A Client Is Already on the Way Out
When price, underwriting, eligibility, or coverage fit becomes an issue, some clients may leave before your agency has another option to offer.
2. Your Agency Has No Backup Path
Without another place to send them, they may shop alone, land with another agency, and leave your ecosystem completely.
3. That Client Gets Harder to Win Back
Once the relationship goes cold, future renewal opportunities, re-quotes, and future business become harder to recover.
You do not have to lose the relationship just because your current carrier is no longer the right fit.
How the Second Look Program Helps Agencies
The Second Look Program gives your agency a structured, trust-based handoff path for clients who need options outside your current carrier fit.
1. Refer At-Risk Clients
Instead of sending an at-risk client into the open market alone, your agency can introduce them to Harmony for a professional second look.
2. Keep the Relationship Managed
If coverage is placed, Harmony manages the client relationship and keeps the original agency source tagged internally in their file.
3. Get Future Re-Quote Opportunities
When the client consents and is ready to review coverage again, your agency will be included as an option to compete for the new business.
The goal is not just to save today’s policy. The goal is to preserve tomorrow’s opportunity.
Built for Future Business
The Second Look Program is designed to create a referral relationship that has more long-term value than a one-time referral fee.
Instead of a small lead payment, your agency may preserve the relationship and earn a future opportunity to compete for the account again when the client is ready to review coverage.
Because a preserved relationship keeps future business opportunities in play.
How the Client Handoff Works
The process is designed to be simple, professional, and easy to introduce when a client needs options outside your current carrier fit.
1. You Identify a Second Look Candidate
When price, underwriting, eligibility, or coverage fit becomes an issue, your agency identifies the client as a Second Look candidate.
2. You Get Client Permission
Your agency explains the Second Look option and gets permission to have the client’s information reviewed.
3. You Complete a Warm Handoff
Once the client agrees, your agency contacts Harmony and shares the key details needed to begin the review.
4. Harmony Provides the Second Look
Harmony reviews the information, asks any final questions if needed, and follows up with the client about available options.
When you refer an at-risk client, the person handling that relationship should protect the trust your agency has already built.
Meet Your Second Look Program Partner
Shakari Granberry
Licensed Insurance Advisor
“My goal is simple: give the client a real second option without making your agency disappear from the relationship.”
Schedule a Partnership Call
A short conversation to see whether a Second Look partnership makes sense for your agency.
1. Discuss Retention Gaps
We’ll talk through the situations where clients leave because your current carrier options no longer fit.
2. Review Handoff Process
We’ll review how to introduce the Second Look Program and complete a warm handoff.
3. Decide Next Steps
If the program fits, we’ll discuss how to start using it with future Second Look candidates.
Keep the door open.
Common Questions
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A good fit is a client who may leave because of price, underwriting, eligibility, coverage fit, or limited carrier options inside your current agency.
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No. The Second Look Program is positioned as a professional second path when your current carrier options no longer fit. The goal is to help the client feel supported, not abandoned.
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When the client consents and is ready to review coverage again, your agency may be included as an option to compete for the business.
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No. The program is built around relationship preservation and future re-quote opportunities, not one-time referral fees.
Ready to Create Future Re-Quote Opportunities?
Schedule a partnership call to see how the Second Look Program can help your agency preserve at-risk relationships and keep future business in play.
Preserve the relationship.