X-Date Data vs Done-for-You Outreach: Two Different Products in the Same Workflow
An x-date is the expiration date on a business's current P&C policy, the single most valuable data point in commercial prospecting because it tells a producer when a prospect is legally free to switch. Platforms like miEdge and Insurance Xdate sell you that data as a file: miEdge pulls 4 million-plus employer profiles from DOT, DOL, OSHA, and WHD sources, but the outreach itself still has to happen, and Datamangroup's own guidance is that "one touch isn't enough," recommending mail, email, and phone starting 45 to 60 days before renewal. VA Horizon sells the finished product instead: a scheduled, double-confirmed meeting near a prospect's x-date, for a $300 one-time setup plus $300 to $550 per held meeting.
Pay per booked meeting. No retainer.
VA Horizon vs X-Date Data Platforms
| Decision Point | VA Horizon | X-Date Data Platforms |
|---|---|---|
| What you actually receive | A scheduled, double-confirmed meeting with a business owner near their x-date. | A data file. miEdge pulls 4 million-plus employer profiles and 400 million-plus data points from DOT, DOL, OSHA, and WHD sources, but delivers records, not conversations. (source) |
| What you still have to do | Nothing. The outreach, the 45 to 90 day timing, and the qualification all happen before the meeting lands on your calendar. | Work the list yourself. Datamangroup's own guidance is to start 45 to 60 days out and combine mail, email, and phone, since "one touch isn't enough." (source) |
| Pricing model | $300 one-time setup, then $300 to $550 per held, double-confirmed meeting, published in full on this page. | Insurance Xdate offers a free trial with no public price. miEdge is enterprise, quote-only. LeO starts at $59/mo for a 14-day trial and 750 annual credits. (source) |
| Data segment weighting | Not applicable. We build the list and run the outreach together, scoped to commercial P&C from the start. | Ally Data Group also sells x-date contact lists, but its own public case studies skew personal-lines (auto/home) rather than commercial. (source) |
| Where WC x-date data specifically comes from | Sourced and worked as part of our own in-house list building, not resold as a standalone product. | Insurance Xdate covers workers' comp x-date data across 28-plus states, pulled from rating-bureau filings, alongside group-health and nonprofit-990 data. (source) |
| Billing | $300 setup, then $300 to $550 per held meeting, backed by an SMS transcript. | Enterprise and quote-only (miEdge, Insurance Xdate) or a software subscription (LeO) that covers data access, not delivered meetings. |
What an x-date data platform actually sells, and what still has to happen after.
What miEdge is actually built to sell
miEdge, now owned by Zywave, describes itself as "the only prospecting platform built specifically for insurance," fusing 4 million-plus employer profiles and 400 million-plus data points pulled from DOT, DOL, OSHA, and WHD sources, with CRM push into Salesforce and Dynamics. It is an enterprise data and workflow tool, quote-only, built for producers who will run their own outreach against it.
Insurance Xdate's workers' comp specialty
Insurance Xdate covers workers' comp x-date data across 28-plus states, including carrier and rate history, plus group-health and nonprofit-990 data, offered on a free trial with no public price. It is a data license, not a delivered conversation.
LeO's AI-personalized approach, and its price point
LeO, tied to FirstConnect, markets itself as an "AI Sales Assistant for Commercial Insurance Agents," combining 150-plus filters, including x-dates, with AI-personalized outreach tooling, starting at a $59/mo promo tier with a 14-day trial and 750 annual credits. It sits closer to a software product than a fulfillment service.
Why data alone does not close the gap
Datamangroup, one of the practitioner sources behind this cadence guidance, states plainly that "one touch isn't enough," recommending mail, email, and phone starting 45 to 60 days before a prospect's renewal. Owning good x-date data is only the first step; the discipline to run that multi-touch cadence consistently, at scale, is a second, separate problem, and it is the layer VA Horizon's done-for-you outreach replaces.
Match the purchase to who runs the cadence.
Choose an x-date data platform when
You have producers disciplined enough to run the 45 to 90 day, multi-touch cadence Datamangroup describes, and you want to own that data license and workflow long-term inside your own agency.
Choose done-for-you outreach when
You want the data-to-meeting work handled end to end, without licensing a data platform and staffing the outreach cadence yourself, for a published per-meeting rate instead of a quote-only or software subscription price.
X-date data vs done-for-you outreach, answered.
What is an x-date in commercial insurance?
How do I find companies' insurance renewal dates?
What is the difference between x-date data and done-for-you outreach?
How much does x-date data cost?
Does VA Horizon sell x-date data?
Skip the data license, get the meeting.
Book a 15-minute call. We confirm your $300 to $550 per meeting rate and your qualification bar before the first SMS conversation starts.
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