Right Quote - Marketecture

Top: Right Quote's place in the full Peach Pilot product pipeline. Bottom: Right Quote's internal architecture, exploded. Phase tags on each component show what ships in v1 (now), v1.5 (pricing API), and v2 (Zendesk + PAL Coaching).

PP Product Pipeline left to right is lead-to-cash flow

Lead
Sources FB Ads, Google Ads, walk-ins
Today Three pipes (Google→Zendesk, Meta→GoHighLevel, direct→raw)
PP build Lead-normalization layer (open Q)
→
CRMP3
Today GoHighLevel
PP build Custom CRM later, "built on GoHighLevel or whatever"
→
DialerP4
Today Zendesk (telephony back end)
PP build No replacement planned in v1; webhook integration in v2
→
Right QuoteP1 ยท BUILDING
Today SafeLife "Insurance Toolkits" (swivel-chair across carrier portals)
PP build Replaces toolkits with one browser app + admin dashboard
→
PAL CoachingP2
Today None - agents work from memory + paper scripts
PP build Live AI overlay (LiveKit + Deepgram + Groq) · Soham, latency tuning
→
CommissionP5
Today Fintary + offshore team (manual reconcile)
PP build Calc + reconcile system (later phase, Veneet/Handson getting started)
→
Chargeback Prevention
Today No proactive nurture - chargebacks hit 18-25% on FEX
PP build Likely CRM-adjacent: payment reminders, stay-on-radar nurture touches to prevent lapse
Zoom in → Right Quote internals

Right Quote - Internal Architecture v1 ships ~2026-05-20 · phase badges show what's in v1 / v1.5 / v2 / open

Frontend Next.js · role-gated routes
Agent flow (`/app/*`) v1
Six-screen flow the writing agent runs during a live call.
  • Login
  • Lead capture (manual name + phone)
  • Demographics (DOB, ZIP, gender, tobacco)
  • Health screen (with elimination rules)
  • Quote results (price blank in v1)
  • SMS handoff (banking link to customer)
Admin dashboard (`/admin/*`) v1
Same Next.js app, role-gated. Mike's "we become the source" surface.
  • Carriers (enable / disable, metadata)
  • Products + comp grids (CSV upload)
  • Agents + state authorization (per agent / per carrier / per state)
  • Health logic (questions + elimination rules)
  • Audit log feed
PAL Coach overlay v2
Live AI coaching pop-up over the agent flow. Show / hide controls per Mario's SVA Loom reference.
Backend & Data Postgres · GCP + GKE Autopilot
Database v1
Single Postgres DB, tenant-aware via `agency_id`. Stack call (Postgres vs Supabase) pending Ben's review of Avi's prototype.
  • Customers, quotes, health responses
  • Carriers, products, comp grids
  • Agents, state auth, product appointments
  • Admin users (5 roles)
  • Audit log (append-only)
  • SMS handoff sessions
Auth + RBAC v1
Server-side enforcement. Five roles: super admin, admin, agent, agent+downline, PP staff.
Audit log v1
Append-only. Every admin write captured with before / after value. PP-staff actions surfaced separately to agency super admin.
PII encryption v1
Postgres `pgcrypto` AES-256 for name, phone, DOB, SSN, banking. SSN + banking never returned to agent / admin APIs.
External Integrations SMS, pricing, telephony, licensing
Twilio SMS v1
Sends customer-side link for SSN + banking entry. A2P registration started 2026-05-06 (7-9 day clock).
Pricing API (substrate) v1.5
Real-time carrier quote pricing. Vendor decision pending: iPipeline LifePipe, CompuLife, or FE Quote. Until live, v1 ships with price blank - agents fall back to logging into carrier portal.
Zendesk webhook v2
Inbound call event triggers Right Quote with name + phone pre-filled. Replaces manual lead capture in v1.
SureLC (agent licensing) open
Source of truth for which states / carriers each agent is appointed for. Integration model TBD: API pull, scheduled export, or manual maintenance.
Carrier portals v1
Manual login by agent for application submission. RPA dropped from v1. API submission TBD with substrate decision.
Identity verification (Proov) open
Placeholder flag in carrier settings. Build deferred until Proov contract review lands.

Out of scope (this marketecture)

Right Quote (P1, focus of this diagram)
Adjacent PP build (PAL Coaching)
External / current state
v1 Ships now (~2026-05-20)
v1.5 Pricing API integration
v2 Zendesk webhook + PAL Coach overlay
open Open question / blocked

Source: PP product roadmap (priorities P1-P5), Right Quote App Spec (`product/right-quote-app-spec.md`), Admin Dashboard Spec (`product/admin-dashboard-spec.md`), May 6 impromptu Ben+Mario architecture chat.
v1 stack call (Postgres vs Supabase) pending Ben's review of Avi's existing prototype - decision due 2026-05-09.
Pricing substrate decision (iPipeline / CompuLife / FE Quote) pending vendor outreach now that peachpilot.ai email is live.
Marketecture intentionally readable by non-engineers - if a component is shown, the reader should understand its purpose without engineering background.