Client
Experience
One Powerful Opportunity. Built for Growth.
COST clients are turning premium finance into more than a service function. They are using it to create recurring revenue, deepen client relationships, strengthen retention and deliver better overall customer experience.
The opportunity looks different across the distribution channel – but the outcome is consistent: more value from the business you already write.
One Platform. Three Paths to Greater Enterprise Value.
Retail Agencies
Created a New Recurring Revenue Stream
For retail agencies, the COST platform creates an opportunity to retain economics from premium financing while giving producers and account teams another reason to engage clients. Financing conversations can open the door to broader account reviews, additional coverage opportunities and deeper relationships.
That matters in a market where service increasingly influences retention. J.D. Power reports that 16% of small-commercial customers identify good service as their most common retention driver, ahead of price, coverage options and reputation.
MGAs
Turn Premium Volume into an Additional Profit Center
For MGAs, premium finance can become an extension of the value proposition – not simply another transaction in the policy lifecycle. A streamlined financing experience can make doing business easier for retail partners, create additional touchpoints with insureds and generate recurring revenue from premium already being placed.
The opportunity is particularly compelling as the MGA channel continues to expand. Conning estimates U.S. MGA premium reached approximately $128 billion in 2025, underscoring the scale of premium flowing through the channel.
COST helps MGAs turn growing premium volume into a broader, more valuable revenue relationship.
Wholesale Brokers
Differentiate Through Service. Deliver More Value.
For wholesale brokers, the premium finance experience can become a meaningful differentiator. Fast, consistent financing support reduces friction for retail partners, improves the overall placement experience and creates another reason for agents to bring business back.
That matters because responsiveness is rated the most important attribute by retail brokers in evaluating wholesale partners, yet the industry still shows a significant performance gap in responsiveness.
The opportunity is bigger than financing: make the transaction easier, strengthen the relationship and create a recurring revenue stream from the premium you already place.
Whether you are a Retail Agency, MGA or Wholesale Broker, the premise is the same:
You already generate the premium. COST helps you capture more of the economics.
And because deeper customer relationships correlate with stronger retention and cross-sell performance, MarshBerry research, for example, found retention rising from 77.1% for single-policy customers to 84.7% for customers with five or more policies – premium finance can become part of a broader strategy to deepen relationships and grow customer value.
That is the COST client experience: recurring revenue, stronger retention, more cross-sell opportunity and a better way to serve the customer – all from an asset your organization is already creating.