AUSTIN, Texas — February 19, 2026
Executive Summary
PerfectQuote, Inc. has entered into an agreement with OneAmerica Financial® to expand digital access to group life, disability and voluntary benefits products through the PerfectQuote Request-for-Proposal (RFP) platform. The integration allows brokers nationwide to request, manage and compare OneAmerica Financial product quotes within a standardized digital workflow, reducing administrative friction and accelerating turnaround times. Through this collaboration, OneAmerica Financial gains access to the more than 125,000 employer groups serviced through the PerfectQuote platform, along with insurance firms, general agencies and professional employer organizations operating within its network. The agreement reflects continued momentum in digital distribution across the commercial group benefits sector, where carriers and brokers are prioritizing speed, data integrity and streamlined quoting processes.
Announcement Overview
PerfectQuote, Inc., a digital quoting and distribution platform serving the commercial group health and ancillary insurance markets, announced an agreement with OneAmerica Financial® that brings the carrier’s suite of group life insurance, disability insurance and voluntary benefits products directly into the PerfectQuote RFP workflow. The integration enables brokers using the platform to access OneAmerica Financial products through a structured digital intake and quoting process designed to eliminate manual data entry and redundant system usage.
Under the agreement, OneAmerica Financial will leverage PerfectQuote’s digital distribution capabilities to engage more directly with insurance firms, general agencies and professional employer organizations operating within the platform’s ecosystem. The collaboration expands distribution channels for OneAmerica Financial while enhancing quoting efficiency for brokers and employer clients nationwide.
The integration builds on PerfectQuote’s continued expansion of its RFP toolset since launching its platform in 2018. The company has positioned its software as a centralized marketplace that standardizes the exchange of quote requests and responses between brokers and carriers, creating a digital bridge between employer demand and insurance product supply.
Key Announcement Details
- Announcement Type: Strategic platform integration and digital distribution agreement
- Announcement Classification: Company update focused on technology-enabled distribution expansion within the commercial group benefits insurance market
- Companies Involved: PerfectQuote, Inc. and OneAmerica Financial®
- Date Announced: February 19, 2026
- Announcement Source: PerfectQuote, Inc.
- Headquarters of Primary Announcing Company: Austin, Texas
- Industry Segment: Commercial group health and ancillary insurance quoting and digital distribution
- Platform Integrated: PerfectQuote Request-for-Proposal (RFP) digital workflow toolset
- Carrier Added to Platform: OneAmerica Financial®
- Underwriting Entity Referenced: American United Life Insurance Company® (AUL), Indianapolis, Indiana
- Product Lines Added Through Integration:
- Group life insurance
- Group disability insurance
- Voluntary benefits products
- Primary Functional Impact: Enables brokers to request, manage, compare and negotiate OneAmerica Financial product quotes within a standardized digital RFP workflow
- Distribution Channels Affected:
- Insurance firms
- General agencies
- Professional employer organizations (PEOs)
- Independent brokers
- Employer Reach Through Platform: More than 125,000 employer groups serviced via the PerfectQuote platform
- Digital Workflow Capabilities Enabled:
- Secure submission of structured RFP case data
- Standardized quote intake and review
- Email-based quote response without manual data re-entry
- Quote comparison within platform interface
- Proposal generation for employer clients
- Online enrollment activation via Employee Navigator
- Operational Efficiency Claim: Reduction of manual broker workload by up to 95 percent
- Carrier Benefits Highlighted:
- Daily lead-generation visibility
- Enhanced quote volume analytics
- Close ratio reporting
- Regional trend insights
- Opportunity prioritization for underwriting teams
- Pricing refinement support
- Strengthened broker engagement
- Broker Experience Enhancements:
- Multi-line coverage requests within a single workflow
- Structured case submission
- Streamlined negotiation process
- Faster turnaround times relative to legacy workflows
- Platform Launch Year: 2018
- Company Founding Year (PerfectQuote): 2017
- Technology Infrastructure: Cloud-based quoting marketplace with standardized digital intake and response architecture
- Strategic Objective of Agreement: Expand digital access to OneAmerica Financial products, accelerate quote response speed, and simplify the end-to-end RFP lifecycle for brokers nationwide
- Geographic Scope: Nationwide United States distribution through digital broker network
- Market Segment Served: Large, medium and small employer groups within the commercial benefits market
- Primary Users of Integrated System: Broker sales teams, carrier underwriting teams, general agency administrators and employer benefit advisors
- Stated Strategic Outcome: Simplified quoting, accelerated distribution, increased connectivity between brokers and carrier sales teams
Digital Distribution and Workflow Integration
The agreement enables brokers using PerfectQuote to submit RFPs for OneAmerica Financial products within a standardized digital environment. PerfectQuote’s workflow allows insurance companies to receive structured case data, review quote requests and respond directly via email without rekeying information into separate systems. By centralizing intake and response channels, the platform reduces administrative overhead and minimizes potential data discrepancies.
According to PerfectQuote, the RFP toolset is designed to streamline the full quoting cycle, including submission, review, comparison and presentation. Brokers can request multiple lines of coverage, compare responses across carriers and generate client-ready proposals from within the same environment. The system standardizes data fields, creating consistency in how case information is presented to underwriting and sales teams.
For OneAmerica Financial, the integration provides a channel to engage brokers digitally at the point of quote initiation. The structured data intake supports faster evaluation and response times while enabling sales and underwriting teams to prioritize opportunities based on standardized case information.
Expanding Market Access and Carrier Reach
Through this agreement, OneAmerica Financial gains expanded digital access to a broker network that services more than 125,000 employer groups via the PerfectQuote platform. The collaboration broadens OneAmerica Financial’s exposure across insurance firms, general agencies and professional employer organizations operating within PerfectQuote’s marketplace.
The digital connection allows brokers to request proposals from OneAmerica Financial within a workflow that aligns with their existing quoting habits, reducing the need to switch between portals or manually transmit case data. For carriers, the structured case data supports more efficient triage and quote delivery.
John Crowley, vice president of national sales and service at OneAmerica Financial, stated that the collaboration strengthens the carrier’s ability to deliver a connected experience while preserving its established service model. The integration aligns digital distribution capabilities with relationship-driven service delivery, a priority within the competitive group benefits landscape.
Broker Experience and Efficiency Gains
PerfectQuote reports that its platform can reduce manual quoting work for brokers by up to 95 percent. The RFP toolset consolidates intake, comparison and presentation functions into a unified environment. Brokers can request additional coverage lines, compare carrier responses side by side and produce polished client proposals without exporting data across multiple systems.
The digital standardization is intended to reduce time spent on administrative tasks, allowing brokers to focus on strategy, client engagement and business development. Automated workflows replace manual data entry, while centralized case management improves transparency across quoting stages.
Justin Sylvester, Chief Executive Officer of PerfectQuote, emphasized that the agreement enables clients to collaborate directly with OneAmerica Financial within the RFP lifecycle, including proposal presentation and online enrollment activation through Employee Navigator. The expanded connectivity keeps brokers and carriers synchronized throughout the quoting process.
Data Visibility and Sales Analytics
Beyond workflow automation, PerfectQuote provides daily lead-generation insights and performance analytics to participating carriers. These analytics include visibility into quote volumes, close ratios and regional activity trends. By consolidating structured data within a centralized system, carriers can evaluate demand patterns and allocate resources more effectively.
For OneAmerica Financial, enhanced visibility into quoting metrics supports sales planning and underwriting prioritization. Access to structured data enables analysis of response times, win rates and geographic performance. These insights can inform pricing refinement and relationship management strategies across broker channels.
The analytics component of the platform reflects broader industry movement toward data-informed distribution models, where digital systems provide both operational efficiency and actionable intelligence.
Technology Infrastructure and Secure Workflow
PerfectQuote’s platform operates as a cloud-based quoting marketplace designed specifically for commercial group health and ancillary insurance. The system emphasizes secure data exchange, standardized information formatting and frictionless communication between brokers and carriers.
Sales representatives receive clean case data and can respond directly via email, eliminating the need to log into multiple portals or reenter identical information. This structure reduces processing delays and supports faster turnaround times.
Since launching in 2018, PerfectQuote has expanded its RFP capabilities to drive digital distribution and market exposure for carrier partners. The integration with OneAmerica Financial represents an additional extension of that infrastructure, adding new product categories and expanding distribution depth.
Product Suite Integration
Through the agreement, the OneAmerica Financial suite of group life insurance, disability insurance and voluntary benefits products becomes accessible within the PerfectQuote RFP toolset. These product lines complement existing health and ancillary offerings available on the platform, broadening the scope of coverage brokers can request through a single workflow.
The inclusion of life, disability and voluntary benefits products supports employers seeking comprehensive employee benefit solutions. By integrating these offerings into the digital RFP process, the agreement simplifies how brokers assemble multi-line proposals.
The collaboration reflects continued integration between digital distribution platforms and established national carriers, reinforcing the role of technology in shaping benefits quoting processes.
Market Positioning and Industry Context
The commercial group benefits market has increasingly emphasized speed, data standardization and digital engagement. Brokers managing multiple employer accounts often face fragmented quoting systems and inconsistent data requirements across carriers. Platforms that centralize intake and response functions address these operational inefficiencies.
PerfectQuote’s positioning as a de facto digital marketplace aligns with these industry dynamics. By connecting carriers and brokers within a standardized workflow, the platform seeks to streamline commercial health insurance selling across employer segments ranging from small to large groups.
The agreement with OneAmerica Financial adds scale and depth to the platform’s carrier ecosystem, while expanding digital distribution channels for OneAmerica Financial within the broker community.
Leadership Commentary
“PerfectQuote’s digital workflow helps us meet brokers where they are and respond with the speed today’s marketplace demands,” said John Crowley, vice president of national sales and service at OneAmerica Financial. “This collaboration strengthens our ability to deliver a simpler, more connected experience while preserving the personal service and trusted relationships that define OneAmerica Financial.”
“With this agreement, our clients can now collaborate directly with OneAmerica Financial to request and manage RFPs, present proposals seamlessly and activate online enrollment instantly in Employee Navigator,” said Justin Sylvester, Chief Executive Officer of PerfectQuote. “OneAmerica Financial is among the most frequently quoted companies across our agencies on the PerfectQuote platform, and we’re thrilled to introduce a new level of connectivity that keeps brokers and insurance companies in sync throughout the entire RFP process with them.”
About PerfectQuote, Inc.
Founded in 2017 and headquartered in Austin, Texas, PerfectQuote, Inc. was established by brokers seeking to modernize the commercial group health insurance quoting and distribution process through standardized digital infrastructure. The company launched its cloud-based PerfectQuote platform in 2018, introducing a centralized Request-for-Proposal (RFP) workflow designed to connect brokers, general agencies and insurance carriers within a secure, structured digital environment.
The PerfectQuote platform functions as a digital marketplace for commercial group benefits, enabling standardized case submission, quote comparison, negotiation management and proposal generation across large, medium and small employer segments. The system centralizes RFP intake and response, reducing manual data entry and consolidating carrier communication within a unified workflow.
Several of the top 10 largest U.S.-based agencies utilize the PerfectQuote application, collectively servicing more than 125,000 employer groups through the platform. The company’s infrastructure emphasizes secure data handling, structured case formatting and analytics-driven visibility across the quoting lifecycle, providing carriers with daily lead insights and brokers with streamlined proposal tools.
PerfectQuote operates at the intersection of technology and distribution, focusing on operational precision, digital efficiency and structured collaboration between brokers and carriers in the commercial group health and ancillary insurance markets.
About OneAmerica Financial®
OneAmerica Financial® is a national financial services organization headquartered in Indianapolis, Indiana, with nearly 150 years of operating history supporting financial security for individuals and businesses across the United States. The companies operating under the OneAmerica Financial brand provide solutions spanning life insurance, retirement services, employee benefits and long-term care.
Structured as a mutual organization, OneAmerica Financial operates with a long-term orientation centered on financial stability and customer alignment. The organization serves millions of customers nationwide through its affiliated companies, delivering employer-sponsored and individual financial protection products across multiple benefit categories.
Within its employee benefits portfolio, OneAmerica Financial provides group life and disability insurance offerings distributed nationally. Products referenced in the PerfectQuote platform integration are issued and underwritten by American United Life Insurance Company® (AUL), headquartered in Indianapolis, Indiana, a OneAmerica Financial company.
OneAmerica Financial® functions as the marketing name for the companies within the OneAmerica Financial organization.
Media Contacts
For additional information, visit perfectquote.io & oneamerica.com.
Source Attribution
Source: Company announcement