For Insurers
Distribution meets underwriting signal.
SMEs score themselves in two minutes. You see scored, gap-ranked leads — not a scan of your in-force book. Distribution intelligence for the long tail that never files a complete application.
What you get from OPAL. Invited operators can open a demand desk of SMEs who scored in OPAL. We do not ingest your in-force portfolio, and we do not invent waitlist or seed numbers to look bigger.
Targeted distribution
Reach the SMEs whose risk profile matches your product — not everyone with a Google ad.
SME-scored leads
Each lead arrives with a 0–100 score, three SGD gaps, and five pillar scores from twelve questions. That is the signal today — not a scan of your in-force book.
Broker-safe close
Opal does not bind. The SME (or their broker) takes three numbers into a licensed channel. You keep the relationship.
Zurich-first pilot
Built for Problem 3 of the 2026 Hackcelerator — closing the SEA SME protection gap. Dual surface: SME dashboard plus this insurer page. We do not claim a Zurich book SCAN.
What a live lead looks like. Industry, headcount, OPAL Score, three SGD gaps, advisor-request count. Empty until an SME scores. That is the product — not a scan of your book.