Email Verification for Insurance Quote Forms

const MAILBEAM_KEY = process.env.MAILBEAM_KEY!;

interface VerifyResult {
  valid: boolean;
  disposable: boolean;
  role: boolean;
  score: number;
  status: "deliverable" | "risky" | "undeliverable" | "unknown";
  suggestion: string | null;
}

async function verifyEmail(email: string): Promise<VerifyResult> {
  const res = await fetch("https://api.mailbeam.dev/v1/verify", {
    method: "POST",
    headers: {
      "Authorization": `Bearer ${MAILBEAM_KEY}`,
      "Content-Type": "application/json",
    },
    body: JSON.stringify({ email }),
  });
  return res.json();
}

// Called before the rating engine runs and before the lead is sold to an agent
export async function intakeQuoteLead(input: {
  email: string;
  line: "auto" | "home" | "life";
  zip: string;
}) {
  const check = await verifyEmail(input.email);

  if (!check.valid) {
    return {
      accepted: false,
      reason: "unreachable_email",
      suggestion: check.suggestion,
    };
  }

  // Route by email quality instead of blanket-blocking
  const routing =
    check.disposable || check.role || check.score < 45
      ? "nurture_queue"        // do not spend agent time yet
      : "licensed_agent";      // hand off a high-intent, reachable prospect

  const lead = await crm.leads.create({
    ...input,
    emailScore: check.score,
    emailStatus: check.status,
    routing,
  });

  await quoting.run(lead.id);   // rate + email the quote
  return { accepted: true, leadId: lead.id, routing };
}