Get disability insurance quotes that match your real freelance income.
Gig workers' disability insurance undervalues their freelance earnings and denies claims easily, leaving them financially vulnerable during injury or illness.
FlexCover analyzes your connected income data to generate personalized disability insurance quotes from specialized carriers. It negotiates fair valuations based on proven earnings history, avoiding denials. Users apply directly through the platform with pre-vetted policies.
Gig workers and freelancers with variable, non-traditional income streams
AI-driven quote matching using actual income volatility data, not self-reported estimates.
professional
Auto-pull from gigs/banks for accurate profiling.
Compare 10+ insurers with custom rates.
AI suggests best coverage based on income patterns.
Pre-fill forms with verified data.
Monitor quotes, renewals, and changes.
In-app negotiation support.
See avg premiums for your gig type.
Access freelancer group rates.
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| text | No | |
| profile_complete | bool | No |
Relationships:
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| user_id | uuid | No |
| monthly_avg | int | No |
| volatility_score | int | No |
Relationships:
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| user_id | uuid | No |
| carrier | text | No |
| premium | int | No |
| status | text | No |
Relationships:
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| quote_id | uuid | No |
| submitted_at | timestamp | Yes |
Relationships:
/api/quotesGenerate quotes
/api/incomes/syncSync income data
/api/quotesList user quotes
/api/applicationsSubmit application
No AI recs
| Month | Users | Conversion | MRR | ARR |
|---|---|---|---|---|
| Month 1 | 150 | 4% | $150 | $1,800 |
| Month 6 | 1,200 | 7% | $2,500 | $30,000 |
Fair quotes based on your gig earnings—no more undervaluation.
Run Twitter ads targeting 'freelancer insurance' searches, offer free quotes. Email list from freelancer newsletters. Partner with 3 gig podcasts for shoutouts with affiliate links.
Broad comparison
No gig income handling
Freelance-specific data integration
Fast digital
Limited disability for gigs
Income-proofed quotes
Proprietary income volatility algorithms trained on gig data
Insurers adapting to gig economy regulations requiring fair income assessment.
Carrier partnerships slow
Start with affiliates
AI accuracy
Human review tier
Low conversions
Free tier funnel
Success: 70% interested in tool
Success: 20% apply
Success: 100 paid users
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