diff --git a/src/constants/store-actions.js b/src/constants/store-actions.js
index 392e7b59e..9020ae2db 100644
--- a/src/constants/store-actions.js
+++ b/src/constants/store-actions.js
@@ -84,6 +84,7 @@ const storeActions = {
     SAVE_SUPPORTING_ITEMS_SUPPRESSING_STATE_RESETTING:
         "saveSupportingItemsSuppressingStateResetting",
     SAVE_VAPS: "saveVaps",
+    SAVE_SWITCH_INSURANCE_TO_CASH: "saveSwitchInsuranceToCash",
 };
 
 export { storeActions };
diff --git a/src/constants/store-mutations.js b/src/constants/store-mutations.js
index d4e07cf0a..66a0f5047 100644
--- a/src/constants/store-mutations.js
+++ b/src/constants/store-mutations.js
@@ -22,6 +22,7 @@ const storeMutations = {
     UPDATE_VAPS: "updateVaps",
     UPDATE_SUPPORTING_ITEMS: "updateSupportingItems",
     UPDATE_LINE_ITEMS_SERVER_DATA: "updateLineItemsServerData",
+    UPDATE_SWITCH_INSURANCE_TO_CASH: "updateSwitchInsuranceToCash",
 
     UPDATE_REGISTRATION_LICENSE_PLATE: "updateRegistrationLicensePlate",
     UPDATE_REGISTRATION_ADDRESS: "updateRegistrationAddress",
diff --git a/src/helpers/heritage-integration/navigation-helper.js b/src/helpers/heritage-integration/navigation-helper.js
index 913fbcb1b..c8f320b1f 100644
--- a/src/helpers/heritage-integration/navigation-helper.js
+++ b/src/helpers/heritage-integration/navigation-helper.js
@@ -63,6 +63,7 @@ export async function navigateToHeritageFunnel({ shouldSaveSession = true, loadi
         src: "concept-funnel",
         conceptsqid: store.getters.applicationUser.savedSessionId,
         isInsurance: store.getters.payment.isInsurance,
+        switchInsuranceToCash: store.getters.order.switchInsuranceToCash,
     });
 }
 
diff --git a/src/layouts/quote/quote.vue b/src/layouts/quote/quote.vue
index 1e78647dc..c05495339 100644
--- a/src/layouts/quote/quote.vue
+++ b/src/layouts/quote/quote.vue
@@ -150,7 +150,7 @@ export default {
                 (store.getters.order.damage.isRepair ||
                     (store.getters.order.lineItems?.glassParts != null &&
                         store.getters.order.lineItems.glassParts.length > 0)) &&
-                store.getters.order.referralNumber?.length !== 6
+                !store.getters.payment.insuranceCoverage.isVerified
             );
         },
         getDefaultIsInsuranceSelectedValue(availableLineItems) {
@@ -177,6 +177,27 @@ export default {
             vehicleQuestionsMixin.methods.navigateBack(this);
         },
         forwardButtonAction() {
+            // if referral is 6 digits unverified it indicates they were previously insurance and been to heritage
+            // need to set an indicator for heritage if they switched from insurance to cash.  many things to reset on the referral in heritage if so
+            const prevPayment = this.$store.getters.payment;
+            if (
+                this.$store.getters.order.referralNumber?.length === 6 &&
+                !prevPayment.insuranceCoverage.isVerified &&
+                prevPayment.isInsurance
+            ) {
+                this.dispatchStoreAction(
+                    this.storeActions.SAVE_SWITCH_INSURANCE_TO_CASH,
+                    true,
+                    false
+                );
+            } else {
+                this.dispatchStoreAction(
+                    this.storeActions.SAVE_SWITCH_INSURANCE_TO_CASH,
+                    false,
+                    false
+                );
+            }
+
             this.dispatchStoreAction(
                 this.storeActions.SAVE_PAYMENT_TYPE,
                 this.isInsuranceSelected,
diff --git a/src/mixins/vehicle-questions-mixin.js b/src/mixins/vehicle-questions-mixin.js
index 4b05067ea..4a0c49c81 100644
--- a/src/mixins/vehicle-questions-mixin.js
+++ b/src/mixins/vehicle-questions-mixin.js
@@ -446,9 +446,7 @@ export default {
 
                 const payment = store.getters.payment;
 
-                if (store.getters.order.referralNumber?.length === 6) {
-                    navigateToHeritageFunnel({ loadingModal: self.$refs.loadingModal });
-                } else if (payment.isInsurance && payment.insuranceCoverage.isVerified) {
+                if (payment.isInsurance && payment.insuranceCoverage.isVerified) {
                     navigateToHeritageFunnel({ loadingModal: self.$refs.loadingModal });
                 } else {
                     self.$router.navigateWithSaving(
diff --git a/src/store/index.js b/src/store/index.js
index c3c9fc8a0..23e7e14df 100644
--- a/src/store/index.js
+++ b/src/store/index.js
@@ -95,6 +95,7 @@ const getDefaultState = () => {
             referralDate: null,
             referralCorrelationId: null,
             eon: null,
+            switchInsuranceToCash: false,
         },
         applicationUser: {
             eventBus: [],
@@ -280,6 +281,9 @@ export const mutations = {
             state.order.schedule.jobMaxMinutes = scheduleInfo.jobMaxMinutes;
         }
     },
+    updateSwitchInsuranceToCash(state, switchValue) {
+        state.order.switchInsuranceToCash = switchValue;
+    },
 
     // applicationUser MUTATIONS
     updateSaveSessionPromise(state, saveSessionPromise) {
@@ -1867,6 +1871,10 @@ export const actions = {
         context.commit(storeMutations.UPDATE_VAPS, vaps);
     },
 
+    saveSwitchInsuranceToCash(context, switchValue) {
+        context.commit(storeMutations.UPDATE_SWITCH_INSURANCE_TO_CASH, switchValue);
+    },
+
     // Price order actions
     async priceOrderItemsAndSaveServerData(
         context,