Better customers who'll choose you.

Committed customer groups. Lower acquisition costs. Higher retention, without pressure on margins. Cell service and insurance are the planned launch categories.

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Better customers.  Lower acquisition costs.

The economics of acquiring customers are broken.

Across insurance, cell service, healthcare, and financial services, the cost of acquiring a single customer keeps climbing, while churn keeps eroding the customers companies already paid to win.

$1,280

average customer acquisition cost in the insurance industry.

20–40%

annual customer churn rate in the U.S. cell service industry.

$15B

U.S. insurance industry digital advertising spend in 2024 alone.

First Page Sage Average CAC by Industry (2025) · PLOS ONE / CustomerGauge · Ringy Insurance Industry Analysis (2024)

Here's how the math will change for partners.

ForCommon is built to bring committed members directly to partner companies, bypassing the channels, bidding wars, and short-tenure customers that drive acquisition costs out of control. Once founding partner deals close, group commitments will unlock retention partners can't buy any other way.

What partners will gain

Lower customer acquisition cost

ForCommon will deliver pre-qualified, high-intent members at a fraction of typical CAC. No bidding against competitors on ad platforms. No long sales cycles. Members will come ready to transact.

Retention earned through value

Members will commit to the group, not just the partner. They'll stay because leaving means giving up household savings across every category, retention earned through the value the membership delivers, not contracts, lock-in, or pricing tricks. The same mechanism addresses the 20–40% annual churn problem at its root.

Stable, predictable volume

Once launched, partners will receive a forecastable flow of new members tied to ForCommon's waitlist and rolling onboarding. No seasonality spikes. No platform-policy risk. No campaign optimization treadmill.

Aligned incentives

ForCommon's public-benefit structure means we succeed when members and partners both succeed. We don't profit from churn. We don't resell member data. The partnership scales as trust scales, on both sides.

Category leadership

Founding partners shape the category. Pricing structures, service standards, and member benefits in cell service, insurance, food, healthcare, and housing will be defined by the partners who join first.

Simple by design.

1

You join

Sign up in 30 seconds. As more families join, the group becomes larger, and larger groups access better pricing.

2

Partners join

Founding partners will work with ForCommon to reach committed households without the cost of chasing them. Cell service and auto/home insurance first; food, healthcare, and housing planned for later phases.

3

Everyone wins

Founding partners will reach committed households without acquisition cost. Households will get the group rate. No partner's margin is squeezed, the savings come from eliminating customer-acquisition waste, not from cutting into the partner.

ForCommon is incorporated as a Public Benefit Corporation. Under PBC law, directors have a legal duty to consider the impact of company decisions on member households alongside shareholder interests. The same structure used by Patagonia, Kickstarter, and Allbirds.

How it Works

What committed members are worth to a partner.

Across insurance, cell service, and financial services, partners spend more to acquire customers than they used to, and lose more of them, faster, than they used to. ForCommon is built to change both halves of the equation.

~$9M

annual CAC avoided on a 10,000-member ForCommon cohort

The average insurance company spends $1,280 to acquire each new policyholder, the second-highest CAC of any industry, behind only fintech. ForCommon doesn't replace a carrier's whole acquisition funnel; it delivers a committed cohort alongside it. For a 10,000-member ForCommon cohort, that's $12.8M in CAC the carrier doesn't have to spend at all. At a conservative 30% reduction (the lower end of channel-partnership savings in B2C marketing literature), that's ~$9M back in the budget per cohort, and the number scales with channel adoption.

Industry-average insurance CAC: First Page Sage Average Customer Acquisition Cost by Industry Report, 2025. Channel-partnership CAC reductions of 30–80% are well-documented in B2C marketing literature; we model at the conservative end.

~$6.7M

annual value from a conservative churn improvement on a 100K-subscriber cohort

A cell service carrier with 1 million subscribers and 25% annual churn loses 250,000 customers a year, $150M in revenue at $50/month ARPU, plus replacement-CAC spend on top. ForCommon members commit to a group, not just a provider. Model a conservative improvement on a 100,000-subscriber ForCommon cohort, churn drops from 25% to 18% (a 28% improvement, not the optimistic ceiling), and that's 7,000 fewer subscribers churning per year, ~$4.2M in protected revenue plus ~$2.45M in CAC avoided. Roughly $6.7M in annual value from one cohort.

Industry churn rate: 20–40% annually, range cited across CustomerGauge 2024 industry report and PLOS ONE Churn Prediction in Telecommunication Industry, 2022. Cell-service replacement CAC: industry estimates around $350/subscriber.

3–5x

typical LTV multiplier when retention extends from 4 to 12+ years

Lifetime value scales with how long a customer stays. In verticals where average retention sits at 3–4 years, extending to 10–12 years through group commitment structurally multiplies LTV by 3–5x, even before factoring in reduced re-acquisition costs. ForCommon's group model is designed to make members stick. Long retention isn't a marketing claim; it's a structural property of how the membership works.

LTV-to-retention relationship: standard SaaS and subscription LTV models. The 3–5x range reflects the linear relationship between retention duration and lifetime value, holding ARPU constant.

Lower acquisition cost. Longer-tenured customers. More valuable members. Three independent scenarios under conservative assumptions, not additive, illustrating distinct ways a ForCommon partnership creates value. Founding partners shape these economics for their category.

Public Benefit Corporation

Directors have a legal duty to act in service of member households, not just financial returns.

Free to cancel anytime

No contracts, no commitments. Stay because the savings are worth it, not because you're locked in.

Every dollar verified

Savings are measured against your actual prior spending, not estimates. We'll bring in independent annual audits once we launch.

We never sell your data

ForCommon is funded by member subscriptions, full stop. Member data is never sold to providers, advertisers, or any third party.

From the founders

We're Gunner and Luke. We started ForCommon because group pricing has always worked better for everyone, companies reach committed customers at lower cost, and those customers get institutional rates. We're just building the place where families and providers can finally meet on those terms.

Got a question? hello@forcommon.com , we read every message.

Build the group with us.

ForCommon is in active conversations with founding partners across all five categories. If your company serves households in housing, healthcare, cell service, food, or insurance, we'd like to talk.

Replies typically within two business days. We treat partner conversations confidentially.

Common questions

ForCommon brings group pricing to the bills your household already pays. We're starting with cell service and auto/home insurance, where industry benchmarks place group-rate discounts at roughly 15–25% on phone/internet plans and 10–20% on insurance compared to standard individual rates. Healthcare, mortgage, and groceries are planned future pillars. As we add categories, the cumulative effect compounds, group-rate access across most major household expenses can reduce total household spending by an estimated 8–12% once all pillars are active. These figures reflect industry-standard group-rate economics; actual member savings will vary by household and will be published transparently as ForCommon onboards founding members.

ForCommon's pilot launches in 2026, once the founding waitlist reaches the threshold needed to secure group rates. Waitlist members get priority access, the more families who join, the stronger our position to arrange great group pricing with partners from day one.

It depends on who you're with today, we can't say without knowing. If you're already with one of our partners, joining gets you the group rate without switching anything. If you're not, you'll see what our partner's price looks like for that category and decide for yourself. Switching is always optional, never required, the savings only count if they're worth it to you.

You pay your partners directly, the same way you do today, the billing relationship stays between you and them. ForCommon arranges the group rate; we don't sit in the middle of the money. Down the road we'd like to consolidate billing through ForCommon so households see one statement instead of many, but that requires the state-by-state licenses to handle members' money on their behalf, a multi-year regulatory process. For now, the simpler arrangement keeps everything straightforward.

If ForCommon hasn't saved you more than your first-month membership fee within your first 30 days as a member, email support@forcommon.com and we'll refund the fee, no questions asked. The guarantee is a refund commitment, not a savings claim, so the math is simple: if the value isn't there in month one, you don't pay for month one.

The first 1,000 paid members are founding members and get a permanent $10/month rate for life, independent of household size. Once those 1,000 spots are filled, new subscribers move to the household-size tiers (Tier 1: 1–2 members, Tier 2: 3–4, Tier 3: 5+). Founding members keep their rate even as their household grows.

Savings ranges shown reflect industry-standard group-rate discounts published by carriers and the Insurance Information Institute. Member savings will vary by household, current spending, and the partnerships ForCommon secures, and will be published as we onboard founding members. Numbers shown are projections, not guaranteed outcomes.