MargindeX watches public federal business filings and sells the change — the moment a company is legally required to buy something, or has just moved its account to a competitor.
Sold to licensed insurance producers, employee-benefits brokers, third-party administrators, ERISA counsel and CPA firms. Never to consumers.
Each one is a dated event in a public federal filing that forces somebody to act — and each is invisible unless you were watching when it happened.
Carriers that have applied for operating authority and cannot activate it until an insurance filing is on record. They are legally barred from earning until they buy a policy, and have not chosen an insurer.
Employer health plans that moved their broker of record between filing years. Not a list of plans — a list of plans that have already proven they will move, with the commission attached.
Plans that filed their federal return late and never corrected it, and plans that just crossed the participant threshold that triggers a mandatory independent audit.
The underlying files are free. We will say that on the first phone call, because it is true and because the value is somewhere else.
Each record is checked against the federal source before it goes out, and stamped with the time of the check.
On lead products, one record goes to one buyer in a territory. Never shared, never resold to a second subscriber.
The federal files move daily. A record that is three weeks old has usually stopped being a lead.
Some of what we sell exists in no published file at all. It only exists because we held two years and compared them.
There is no checkout on this site, and that is deliberate.
Every subscription starts with a conversation, so we know who we are supplying and what they intend to use it for. You are then invoiced — payable in advance, by cheque or bank transfer. We hold no card and take no payment automatically.
It is slower than a shopping cart. It is also the reason we can tell you honestly who our data does and does not go to.
We would rather show you records than describe them. Tell us the state or the practice area and we will send a short sample to look at — free, no invoice, and we will not add you to a list.