I think USA
Lead is using a different model ... seems to me they are calling existing clients with the carriers permission and offering additional lines, simple "account rounding". I do not know if they are orphaned policies or if they have the ability to solicit additional lines on all policyholders.
"And Don’t Forget – We have all their Billing and Pertinent Info as they are Already Existing Clients of the Firms We Work "
"For Companies that are interested in monetizing their Existing Client Base and that Have Sales Centers we would be very interested in speaking with you about our System and how we might be able to work together to Offer Your Clients Additional Products and Services where it Makes Sense."