HiQOR — Strategy Brief

The Next Layer of HiQOR

A proprietary consumer relationship, built around infrastructure we already operate.

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01Today

The infrastructure already exists.

HiQOR already has the partners, integrations, brokerage relationship, carrier connectivity, and insurance products required to operate.

Race / Event Partner → HiQOR → EDL → Insurance Carriers

Race / Event Partner
  • Owns registration
  • Racer portal
  • AD&D opt-in
HiQOR
  • Integration layer
  • Data orchestration
  • Not the broker
EDL
  • Licensed brokerage
  • Insurance workflows
  • Carrier connectivity
Insurance Carriers
  • Products
  • Underwriting
Already connectedSpartanEvent LabsTicketSocketActiveEDL brokerageCarrier connectivity

Upstream partners own registration.

EDL owns regulated insurance distribution.

HiQOR connects the ecosystem.

02The Gap

The model is viable.
It is still transactional.

HiQOR participates in the transaction, but the relationship does not continue with the consumer after the initial journey completes.
GAP 01

Thin proprietary layer

Distribution
HiQORRoute + Orchestrate
Insurance Workflow
Underwriting

HiQOR participates in the transaction today, but owns a relatively thin proprietary layer.

GAP 02

Continuity breaks

Initial journey

Register
AD&D Opt-In
EDL Journey
AD&D + Training
Complete

Later / separate journeys

  • Term Life
  • Whole Life

The initial transaction completes. Future offers require a separate re-engagement rather than continuing the HiQOR relationship.

03Consumer Journey

The opportunity is to extend the consumer relationship.

Instead of ending after the insurance transaction, the consumer enters HiQOR, establishes a relationship, accesses protection through that experience, and has a destination afterward.
01Discover
Partner owned

Kiley discovers a partner event.

02Register
Partner owned

Kiley registers with the race / event partner.

  • Registration remains upstream
  • AD&D opt-in can originate here
03Enter HiQOR
HiQOR owned
Persistent HiQOR relationship

Kiley enters the HiQOR Protection portal — her persistent identity and consumer relationship are established.

04Protect
HiQOR owned

Insurance is accessed from inside the HiQOR experience.

Embedded EDL
  • Race-Day AD&D
  • Training Insurance
  • Term Life
  • Whole Life

Carriers underwrite

05Expand
HiQOR owned
  • Additional events
  • Relevant protection
  • Partner / member benefits
  • Resources / expert support
  • Future products & services
06Return
HiQOR owned

Kiley returns with her identity, protection, and relationship already recognized.

Existing protection recognized

Partnerregistration

HiQORconsumer journey, identity + destination

EDLregulated insurance workflows

Carriersproducts + underwriting

04The Platform

HiQOR becomes the persistent consumer layer.

The HiQOR account is the product expression of that relationship.

Over time, that account can become her Protection Wallet — the persistent place she understands coverage, related activity, and future insurance relationships.

HIQOR Active Lifestyle Protection

Member Portal

KM
Kiley on the trail

Welcome back, Kiley.

Your active life,
connected and protected.

My Protection

View protection

Protected

$25,000

Active Lifestyle Protection

Active through Nov. 30, 2026

My Benefits & Purchases

  • Hydro Flask

    15% member benefit

    Purchased

  • Training Plan

    Personalized for running

    Purchased

  • Recovery Consultation

    With a HiQOR expert

    Booked
Outdoor mobility and recovery

Recommended for You

Make time to recover

A short mobility session for your running, hiking and gym days.

Explore

My Active Life

Manage my activities

  • Running

    Protected

  • Walking

    Protected

  • Hiking

    Protected

  • Gym / Fitness

    Protected

  • Pilates

    Protected

  • Cycling

    Explore protection

The persistent consumer destination — the account experience.

05Same Ecosystem

The existing ecosystem becomes more valuable.

We are not replacing partners, brokerage, carriers, or products. We are adding a HiQOR layer that creates more value from the same distribution and consumer relationships.
Existing roles

What does not change

Partners keep registration and distribution
EDL keeps licensed insurance workflows
Carriers keep products and underwriting
Same integration path
Same commercial model
HiQOR does not replace these parties

The existing parties keep their roles. HiQOR sits between them — it does not become the partner, the broker, or the carrier.

HiQOR

What HiQOR adds

Persistent consumer identity
Protection Wallet / protection context
Consumer and event context
Cross-platform recognition
Experience and orchestration

The proprietary layer between them — identity, protection context, and recognition that persist beyond a single event.

Consumer

What that unlocks

Renewals
Additional protection
Future events
Partner services and benefits
Future insurance products

A persistent relationship creates more value from the same partners, products, and distribution.

The event remains the acquisition point, but it no longer has to define the relationship.

No partner displacement.

No fundamental integration rewrite.

No change to the insurance model.

06HiQOR IP

This is where HiQOR builds enterprise value.

Insurance products remain with EDL and the carriers. HiQOR owns the proprietary layer around the consumer — identity, Protection Wallet, intelligence, orchestration, marketplace, and the continuing relationship.
H

HiQOR Platform

Proprietary consumer infrastructure

01

Persistent Identity

One consumer identity across participating events, partners, products, and interactions — the foundation of the relationship.

KM
Bubble RunSpartanMuddy DashOther Events
02

Protection Wallet

The persistent protection context associated with the consumer — not merely a portal page.

Coverage contextRelated activityDocumentsRenewal state
03

Consumer Intelligence

Intelligence built around the consumer and population over time, rather than a one-time transactional record.

Event participationEngagementDemographicsRelationship contextPopulation signals
04

Protection Intelligence

The capability to understand existing protection context and, over time, how it relates to later events or protection needs.

Existing contextLater eventsLater needs
05

Experience & Orchestration

HiQOR coordinates the consumer experience across partners, EDL, carriers, and services while those parties keep their roles.

HiQOR Experience Layer
Event Partners
EDL
Carriers + services
06

Partner Marketplace

Relevant future events, member benefits, expert support, and partner opportunities inside the persistent relationship.

Future eventsMember benefitsExpert supportPartner services
07

Integration Network

Reusable connectivity across event partners, brokerage infrastructure, carriers, and future service providers.

Partner APIs
HiQOR
Services
08

Relationship Engine

Continue serving and monetizing an existing relationship over time, rather than reacquiring the consumer at every event.

RenewalsAdditional protectionFuture productsPartner services

Partners, brokerage, and carriers keep their roles.

HiQOR builds enterprise value in the persistent consumer layer between them.