Carrier procurement, long cycles, and a relationship that predates the deal.
The argument
Insurance buying combines financial services controls with a relationship culture. Buying process is weighted heavily for the same vendor risk reasons as fintech, but conversation intelligence stays high because carrier relationships are long and the deal is usually won in conversation before it is processed. Regulatory review and legal are amplified. Cycles are long enough that stalls are weak evidence rather than strong, so the stall penalty is reduced against the fintech pack it otherwise resembles.
The weights
78% of the score comes from what the company does, 22% from what named people do. Within each side, these are the shares.
The demo loads with these weights. Move them and watch the deals reorder.