Public qualifier

Life, ACA, and Medicaid signals, filed only with consent.

The score updates as the household changes. The TCPA box starts unchecked. A verified agent receives the row only after that consent is explicit.

• New home mortgage

  +40. Usually points at term sized to the note, not a permanent plan.

• Newborn

  +30. Income replacement for the years the child is dependent.

• Business principal

  +25, plus +20 when the email domain is the company domain.