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FAQs

Here is the comprehensive list of services provided by MPA:

Core Ai-Powered Analysis

  • Unlimited Ai Policy & Quote Analysis: You can upload an unlimited number of policies or quotes to receive a plain-language analysis. Our Ai flags potential risks, confusing language, and coverage exclusions for you to review with your agent.
  • Ai Insurance Assistant “Clara”: Get fast, plain-English answers about any part of your insurance—anytime, day or night. You can ask Clara questions by typing or using your voice.
  • Side-by-Side Comparisons: We analyze multiple insurance policies and quotes and will soon offer a feature to show them next to each other for easy comparison.
  • Broad Document Support: Our system works equally well for modern digital PDFs and scanned paper documents.
  • Comprehensive Coverage: We analyze a vast range of personal, commercial, and specialty insurance policies.

Human Support & Personal Advocacy

  • 24/7 Live Human Support: Call our published number and speak directly with a kind, knowledgeable person without navigating menus or bots. We offer live chat and phone support around the clock.
  • Dedicated Advocacy Agents: Our trained staff will go to extraordinary lengths to ensure you feel supported day or night.
  • Personalized Technical Help: If you need help finding your policies online, our agents can guide you through the process on a secure Zoom call.

Secure Document Management

  • Your Personal Policy Tracker Cabinet: We provide a single, secure place to store, search, and manage all your insurance documents with bank-level encryption on Google Cloud.
  • Guaranteed Data Privacy: Your data is always private, anonymous, and will never be sold. If you cancel your subscription, you can have all of your data permanently deleted.

Exclusive Member Insights & Education

  • Consumer Advocacy Notes: Get insights on your insurer’s reputation using real-world data from the NAIC, SEC filings, consumer advocacy sites, social media, and current news.
  • Private Verified Member Reviews: Read authentic, experience-based feedback from other members who have uploaded real policies from the same insurance carriers.
  • Continuous Learning: Stay informed with monthly newsletters, webinars, events, podcasts, and guides designed to turn insurance complexity into confidence.
  • Dispute & Communication Templates: We provide publicly available template letters to help you communicate effectively with insurers regarding disputes.

Proactive Service & Reminders

  • Renewal & Payment Alerts: We remind you 60 days before your policies are set to renew and also send reminders when premium payments are due so you never miss one.
  • Personalized Check-ins: We use satisfaction surveys and a semi-annual questionnaire to see if you’ve had any life changes that might require a policy review.

Simple, Transparent, and Risk-Free

  • One Flat Fee: Your membership includes everything for a single annual fee with no hidden costs, tiered plans, or upsells.
  • 30-Day Satisfaction Guarantee: You can try our full service risk-free. If you’re not completely satisfied within 30 days, we will refund your entire annual fee, no questions asked.

Renewal Discount: All renewing members receive a 20% discount on their annual fee.

Absolutely not. We are 100% independent and have no financial relationships with anyone in the insurance industry. Our only loyalty is to you, our member.

Never. Our only source of income is your membership fee. This ensures our analysis is always unbiased and focused on your best interests.

Yes, in two key ways. First, our Ai-assisted review is built from the ground up to be fair and neutral. Second, our work is regularly reviewed by licensed insurance professionals and our legal team who make sure we follow strict compliance rules to ensure our analysis remains unbiased.

We protect your information with bank-grade security on Google Cloud. Our compliance experts may occasionally review the Ai’s anonymous output to ensure accuracy, but only you can ever access your specific, uploaded documents.

No, we will never sell your personal data. The only time essential information is shared is when our trusted partner, Stripe, securely processes your subscription payment. We never see or store your financial details.

Your data always belongs to you. If you cancel, we can promptly send you a copy of everything you’ve uploaded and then permanently delete all of your information from our systems at your request.

It’s incredibly fast! In five minutes or less, your analysis will be ready. You can then immediately start asking our Ai assistant, Clara, questions about your coverage by typing or simply using your voice.

You have several convenient options: read them directly on our platform, download them as a PDF, or, with your written permission, we can send a copy directly to your agent or broker for you.

Yes! You can upload and analyze multiple policies and quotes right now. Within our first month, we’re rolling out a feature that will let you see them in a direct, side-by-side comparison.

Our Ai automatically performs a deep scan of your entire policy for common issues like coverage gaps, tricky exclusions, and confusing language. You can then ask our Ai assistant, Clara, to dig deeper into any area that concerns you, like deductibles or specific limits.

Yes, it handles both perfectly. You can upload any of your current policies or new quotes to see if you can find better coverage or pricing. Your membership includes unlimited uploads and support.

It will definitely flag if you’re missing key documents, like the main policy contract or declaration pages. While it can’t know about an endorsement you haven’t uploaded, as soon as you add one, our Ai understands that it updates your original policy and will include that in its analysis.

For your security and privacy, you are the only one who can upload your documents. We believe you should always be in complete control of your personal information.

Yes, it works great with both! Whether your policy is a digital PDF or a scanned paper copy, our technology reads it with 99% accuracy in our testing.

You can access our full platform on both your desktop and your mobile phone’s web browser. We are waiting to build native iOS and Android apps until we learn more about how our members use the service, so we can make the apps perfect for your needs.

Real, caring human help is at the heart of what we do. Our team of trained advocates is available 24/7 by phone or chat to help you with anything you need. We will always go the extra mile to make sure you feel completely supported.

Yes, absolutely. You can easily download your policy analysis to save, print, or share. You always have full control over your information.

We’ve designed our Ai to be objective. However, no technology is perfect. That’s why every report includes a disclaimer reminding you that our service is a powerful educational tool, not a substitute for professional legal or insurance advice.

Think of our Ai as a tireless expert that has spent years studying insurance policies. It reads every single line to spot confusing legal phrases or clauses that might contradict each other—things that are very easy for most people to miss.

Finding these is one of our most powerful features! Your report has a specific section that points out conflicting language that could lead to confusion or even a denied claim down the road.

No, it cannot predict the future or guarantee claim outcomes. Its purpose is to give you knowledge by highlighting potential risks in your policy before you ever need to file a claim. This helps you have smarter conversations with your agent to improve your coverage.

Yes, everything is unlimited! Your annual fee includes unlimited policy and quote uploads, plus unlimited access to our human support team by phone, chat, or even a scheduled Zoom call.

Yes! We offer a 30-day, no-questions-asked, money-back guarantee. You can try everything, and if you’re not completely happy, we’ll refund your fee in full. Our primary goal is to provide a service you find truly valuable.

The key difference is why we exist. Comparison sites are designed to sell you credit cards and insurance policies, often for a commission. We are a subscription service that works only for you. We don’t sell anything—we provide clarity, service, and peace of mind.

While we don’t handle appeals directly, we empower you with the right resources. Our platform has an educational section to help you understand the appeals process and includes a link to find a licensed public adjuster in your area who can advocate on your behalf.

Our advocacy is focused on education. We provide you with clear, comprehensive information so you can make confident, informed decisions. To ensure we remain completely independent and unbiased, we don’t have partnerships with any outside firms except our own attorneys and compliance officers who ensure we are compliant with all Privacy Policies, Terms of Service, and compliance for all 50 states.

We don’t get involved directly with claims, but our entire service is designed to help you before that happens. By helping you understand your policy and identify potential risks upfront, we aim to reduce the likelihood of a claim being denied or delayed in the first place.

To maintain our independence and keep you in the driver’s seat, we don’t speak with insurers on your behalf. However, we do provide you with helpful templates and guides you can use for your own communications with them.

Yes, we have both! We want to make insurance easy to understand. You can explore our free library of guides, articles, and podcasts, or quickly find answers to common questions in our detailed FAQ section.

We have a dedicated legal team, and we are licensed in all 50 states. Their job is to stay on top of every change in insurance regulations and new products, ensuring our platform and information are always current.

We have a dedicated legal team, and we are licensed in all 50 states. Their job is to stay on top of every change in insurance regulations and new products, ensuring our platform and information are always current.

Yes, we will be available nationwide in all 50 states from day one. We cover a vast range of personal, commercial, and specialty insurance policies and quotes, including the following:

 

Personal Insurance

  • Whole Life Insurance 
  • Universal Life Insurance 
  • Disability Insurance 
  • Long-Term Care Insurance 
  • Homeowners Insurance 
  • Renters Insurance 
  • Auto Insurance 
  • Motorcycle Insurance c
  • Boat Insurance 
  • Umbrella Insurance 
  • Flood Insurance 
  • Earthquake Insurance 
  • Pet Insurance 
  • Identity Theft Insurance 
  • Travel Insurance

Commercial & Business Insurance

  • General Liability Insurance 
  • Workers’ Compensation 
  • Cyber Liability Insurance 
  • Business Interruption Insurance 
  • Professional Liability (E&O) Insurance 
  • Commercial Auto Insurance 
  • Product Liability Insurance 
  • Directors & Officers (D&O) Insurance 
  • Employment Practices Liability (EPLI) 
  • Key Person Insurance 
  • Commercial Crime Insurance 

Specialty Insurance

  • Inland Marine Insurance 
  • Environmental Liability Insurance 
  • Cargo Insurance

Take Control of Your Insurance Risk-Free Today

Get clarity, confidence, and peace of mind for just $99 a year backed by our 30-day satisfaction guarantee.

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