Insurance intake, automated.
You answer once. RateShield pulls the property and vehicle data, assembles a complete file, and hands it to a licensed producer at Lakeshore Risk Advisors, an independent Illinois brokerage. They quote the carriers and place the policy.
- Intake received0:00
- Property record matched0:04
- Prior coverage parsed0:11
- Carrier appetite ranked0:19
- Routed to a licensed producer0:23
Lakeshore Risk Advisors LLC, independent Illinois brokerage. They quote the carriers and place the policy.
Illinois only
Licensed and appointed in IL
One producer
Never a panel, never resold
Same day
Proof of insurance when it fits
IL #22256937
Producer license, verifiable
What RateShield does
We are the front door. They are the brokerage.
RateShield handles the part that wastes your time: the intake, the data pulls, the paperwork. The moment that is done, a licensed producer at Lakeshore Risk Advisors takes over and everything after that point is theirs.
You tell RateShield
Sixty seconds: your vehicle or your home, your ZIP, who is covered. No documents, no account, no login. This is the only part we handle.
We prepare and connect
We pull the property and vehicle data, assemble a complete file, and hand it to one licensed producer at Lakeshore Risk Advisors. Your details go nowhere else.
They quote and place it
A licensed producer compares the carriers, calls you with bindable numbers, writes the policy, and services it at renewal and at claim time.
Lakeshore Risk Advisors places auto, home, condo, renters, landlord, and umbrella coverage across Illinois. Read our guides to each one
Worth knowing
What actually moves your rate
Quotes feel random. They are not. Six factors drive most of the price of auto insurance, and every one is a lever. Pick one to see how it works.
Your driving record
Impact on your price
Accidents and tickets from roughly the last three to five years count against you, then age off.
The same system runs the agency.
What makes a quote fast for a client is the same thing that makes the work manageable for the people placing it. Both sides run on one platform, which is why the producer already has the context when they call.
RateShield OS, for agencies →The file assembles and checks itself
Records about a home routinely contradict each other and the person who owns it. Sorting out which version is true is most of the work in a good quote, and it happens before anyone picks up a phone.
Markets chosen first
Quoting starts with the carriers that can actually win the risk.
One agency workspace
The day's work, the history, and the follow-ups in one place. Nothing gets re-keyed and nothing goes cold.
Who does what
Technology here. Licensed advice there.
RateShield is an insurance technology company based in Chicago, founded by Jack Ray. We build the front door: the intake, the data work, and the routing that gets your request to a licensed producer in minutes instead of days.
Every licensed act belongs to Lakeshore Risk Advisors LLC, an independent Illinois brokerage. Their producers compare the market, explain the trade-offs in plain English, place the policy, and service it afterward. Independent means they are not owned by a carrier and they do not push one company's products.
How everyone gets paid
Carriers pay Lakeshore Risk Advisors a commission when you choose a policy. RateShield is paid by the brokerage for the technology and the marketing. Comparing is free and you never pay either of us directly.
Who holds your policy
Lakeshore Risk Advisors LLC, an independent Illinois brokerage. They are the ones on your declarations page, the ones you call at renewal, and the ones who handle a claim with you.
Straight answers
If staying with your current carrier is your best move, that is exactly what your producer will tell you.
Common questions
Straight answers. If yours is not here, call us at (773) 850-3801 and ask a person.
No. RateShield is a technology company. We take your request, do the data work, and route it to a licensed producer at Lakeshore Risk Advisors LLC, an independent Illinois brokerage. Every quote, recommendation, and policy comes from them.
Yes. Comparing quotes costs nothing and carries no obligation. If you choose a policy, the carrier pays the brokerage a commission. You never pay RateShield directly.
A licensed Illinois producer at Lakeshore Risk Advisors, calling from a local 773 number. We text you their name and direct number as soon as you submit. No call centers, no pressure, one conversation.
During business hours (9am to 6pm, Monday through Friday) your producer calls you within the hour, and once you pick a quote the policy itself takes minutes. After hours, first thing the next business day.
No. If your current policy is the better deal, your producer will tell you exactly that and leave it there.
The basics: your ZIP, your vehicle or home, and how to reach you. Your producer handles everything else.
Your details go to one place: the licensed producer at Lakeshore Risk Advisors handling your quote. We never sell your information.
For business owners
Run a dealership?
Your customers need insurance at exactly the moment they are with you. RateShield gives your business a simple way to hand them to a licensed producer at Lakeshore Risk Advisors and get them covered in minutes, with zero extra work for your team.
Ready when you are.
Sixty seconds to start. A licensed producer at Lakeshore Risk Advisors does the rest.