Consumers You Want.
The Data You Need.
HIQOR delivers verified, high-intent consumers at the exact moment a coverage need surfaces — embedded inside the gyms, races, and wellness platforms where they already live.
Behavioral and Biomarker Intelligence
Signals the Market Has Never Seen.
Traditional channels give you demographics. HIQOR gives you behavioral context — what people are actively doing, how often, and real-time health vitals captured through biometric face scan technology. That's the risk calculus in the exact moment it matters.
Activity Type
Marathon, gym, ski run — we know the activity and intensity. Different activities = different risk.
Participation Frequency & Context
Weekly regulars vs. seasonal participants. Location context reveals behavioral consistency and exposure.
Biometric Face Scan Data
Real-time vitals: BP, HR, HRV, RR, SpO2, stress index — FDA-approved health metrics for underwriting precision.
Consent & Compliance
First-party, consent-verified data. HIPAA-ready. No scraped lists. No regulatory gray areas.
Coverage Intent Score
Proprietary model synthesizing behavior, health signals, and participation. True underwriting intent.
Demographic Profile
Age, activity tier, event category, engagement history. Who they are + what they actually do.
Consumer Access
An Untapped Pool of High-Value Lives.
Active lifestyle adults are among the most underserved and underwritten segments in the US. They're healthy, engaged, and spending — but traditional distribution has never reached them in context.
4.2M
participants annually
Race & Endurance
72M
active US members
Gym & Fitness
18M
enrolled participants
Wellness Programs
6.8M
event participants
Cycling & Outdoor
9.1M
high-intent travelers
Adventure & Travel
11M
club & league members
Community Fitness
Why It Converts
Context Changes Everything.
Intent-Matched Distribution
Your policy surfaces only when the behavioral signals confirm a live coverage need. No spray-and-pray. Every impression earns its place.
Zero Cold Acquisition
These consumers discovered coverage through a platform they already trust. Your brand enters a warm relationship — not a cold pitch.
Verified & Compliant
HIQOR manages consent collection, regulatory compliance, and data handling. You get clean, policy-ready consumer records.
Recurring Touchpoints
Active lifestyle consumers engage with their platforms weekly. HIQOR creates compounding touchpoints across the member lifecycle.
The HIQOR Advantage
Built for Carriers Who Want to Win.
HIQOR isn't an aggregator. It's a proprietary channel — one that traditional distribution simply cannot replicate. Here's what makes it categorically different.
A New Distribution Channel
HIQOR is not a lead gen vendor. We're a permanent, embedded distribution layer living inside partner platforms — producing consistent, compounding policy volume.
Proprietary Risk Context
The behavioral signals HIQOR captures exist nowhere else. Activity type, frequency, and coverage intent — structured and delivered to power smarter underwriting decisions.
Carrier-Native Integration
HIQOR connects directly to carrier underwriting and distribution workflows — delivering verified consumer context and eligibility signals without requiring new infrastructure.
Comprehensive Reporting
Detailed transaction-level reporting on every activated policy, consumer segment, and payout. The data clarity actuaries need — without building any infrastructure yourself.
Ready to Access the Channel
The Market Is Moving.
Join The Carriers Leading It.
Built for carriers and licensed distributors, HIQOR enables the next generation of insurance distribution through real-world risk intelligence.