A Lower Mainland insurance brokerage, May 2022–May 2026. Client withheld by NDA — every number below is pulled straight from the live Google Ads account.
The client had been in business for over twenty years. Strong referral base, two locations, a small but loyal walk-in flow. They were not in trouble — they were in stasis. Every year looked like the one before.
Their previous Google Ads account had been managed by a generalist agency on a percent-of-spend model. Broad-match keywords, near-zero negative-keyword work, no conversion tracking beyond “click on phone number”. The account ran $2,400/month for eighteen months and produced maybe forty bound policies. The math wasn't close to working.
What we inherited at kickoff:
One campaign. Three ad groups. 247 broad-match keywords, half of which were irrelevant (“insurance jobs vancouver”, “icbc claim form”, “life insurance for dogs”). No negative keyword list. No conversion tracking inside Google Ads itself — just a phone number swap that fed everything into one bucket. Quality Score average: 3.4 / 10.
The owner's diagnosis was correct: “We're paying for a lot of clicks that aren't even our customers.”
We're paying for a lot of clicks that aren't even our customers.
The first month was almost entirely demolition. We turned off every broad-match keyword, replaced them with phrase and exact match variants, built a 600-word negative-keyword list from search-term reports, and rebuilt conversion tracking from scratch — calls, forms, and call-duration thresholds (a 12-second call is rarely an opportunity).
Then we waited. Soft-launched the new build with a capped daily budget at 60% of the old spend. The first thirty days were quiet on purpose. We were learning what the account actually looked like when the broad-match noise was gone.
The account didn't do anything dramatic in any single quarter. It just got slightly sharper every ninety days, for sixteen quarters straight.
Pulled from Google Ads cost-per-conversion column · lifetime account view
We'll come back inside one business day with whether the approach above applies to your account, and what to expect quarter by quarter.
Three moves that aren't glamorous and aren't in most agency decks. They built this account.
Every Friday, the team pulls the search-term report and adds three to twelve new negative keywords. Four years of Fridays. The list grew from 0 to 4,200 negatives — roughly 14% of the lifetime cost-per-click savings trace to that one exercise. The work is boring. The savings compound.
Branded campaigns went live in month two, not month twelve. The brokerage's name was being bid on by competitors and an aggregator; the cheapest insurance you can buy is your own branded clicks at $0.80, before someone else pays $4.50 to send the searcher to a comparison site.
No vanity metrics — no impressions, click-through-rate, or ad position. The owner sees one number: cost per conversion, week over week, on one dashboard. The simpler the dashboard, the less an agency can hide. If it rises two weeks running, we explain why before being asked.
Solo agent to a predictable pipeline — $32 cost-per-lead and +185% year-over-year leads on Google Ads.
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Invisible to top-3 map pack in eight months — +340% Google Business calls, no ad spend.
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