Insurance optimal quote recognition is provided to customers or potential customers seeking insurance. The customer contacts an agent about an insurance policy. The agent provides a system with contact information of the customer. The system sends a link, a notification, and/or the like to the customer via the contact information. The customer follows the link and provides a snapshot, digital version, or other documentation of a present or lapsed insurance policy. The system analyzes and extracts data about the policy and/or the customer using optimal quote recognition. The system generates an insurance policy quote using the extracted data. The policy quote is sent to the customer. The customer can accept the quote and bind the insurance policy. A notification and/or commission is sent to the agent upon binding.