Insurance Providers

Insurance Companies

Premium retention economics determine sustainability. Policy lapses represent preventable revenue erosion requiring early intervention. Behavioural patterns predict abandonment 45-60 days before renewal—at peak retention probability.Preserve Premium Revenue

The Renewal Intelligence Gap

Premium preservation requires early intervention, not renewal-date campaigns. Life event changes, premium sensitivity patterns, and engagement signals surface months before renewal dates. Behavioural intelligence transforms reactive retention into continuous relationship management—identifying lapse risk when intervention timing maximises retention probability and preservation economics justify investment.

Preserve Portfolio Premiums

Lapse Prediction Engine

Policy abandonment signals emerge months before renewal dates. Payment pattern changes, claims dissatisfaction, coverage review activity—early warning enables intervention when retention economics outperform acquisition by 8x.

60-day advance warning signals

Lapse reason identification

Intervention prioritisation

Life Event Detection

Marriage, property purchase, career changes—life events trigger coverage needs before customers articulate requirements. Early detection enables proactive coverage adjustment when value demonstration peaks and cross-sell probability maximises.

Behavioural milestone detection

Coverage gap identification

Optimal timing orchestration

Premium Optimisation

Price sensitivity varies across lifecycle stages and coverage types. Behavioural intelligence determines optimal premium positioning—maximising retention probability whilst preserving margin when renewal decisions approach.

Price sensitivity profiling

Competitive threat detection

Retention discount optimisation

Claims Experience Enhancement

Claims satisfaction determines renewal probability more than price. Dissatisfaction signals enable proactive intervention—transforming negative experiences into retention moments through strategic communication and recovery support.

Satisfaction prediction models

Proactive communication triggers

Recovery intervention automation

Integrated Revenue Impact

Retention intelligence compounds across lapse prevention, life event detection, and claims experience. Policy engagement patterns refine cross-sell timing. Satisfaction signals improve retention strategies. Behavioural models strengthen portfolio-wide. One platform. Multiple premium preservation pathways. Pricing aligned with demonstrated retention.

+38%Renewal RateEarly intervention transforms lapse economics when timing captures retention probability before competitive alternatives surface.

-72%Lapse Campaign CostsPrecision targeting reduces intervention waste when behavioural intelligence distinguishes recoverable policies from permanent attrition.

2.8xPremium Per PolicyholderLife event detection drives coverage expansion when intervention timing aligns with need recognition and purchasing readiness.

Prove Value in 90 Days

Assess

Portfolio analysis identifies lapse patterns, claims dissatisfaction, and life event opportunities.

Intervene

Deploy precision retention campaigns when intervention timing maximises renewal probability.

Expand

Continuous premium growth through life event detection and coverage optimisation.

Compound Your Advantage

Lapse prediction transforms premium preservation from reactive campaigns to predictive capability. One intelligence investment. Compounding returns.

Predictive Retention

Churn signals from claims dissatisfaction, payment delays, and engagement decline predict policy lapses before renewal cycles. Early intervention preserves premium revenue whilst retention economics outperform acquisition—lapse prevention insights strengthen across entire portfolio.

Cross-sell Intelligence

Life events reveal coverage expansion opportunities before competitive insurers detect need. Property purchases signal home insurance readiness. Family changes indicate life coverage gaps. Behavioural timing maximises conversion whilst deepening policy relationships.

Unified Personalisation

Generic retention treats all lapsing policies identically. Unified behavioural intelligence sequences interventions to individual lapse reasons, premium sensitivity, and claims history—maximising retention ROI through precision deployment.

Preserve Portfolio Premiums

Market exclusivity per geography. Retention intelligence compounds with life event detection and claims experience—lapse patterns refine churn prediction, policy engagement improves cross-sell timing, behavioural models strengthen across your entire portfolio.

90-Day Value Proof

Measurable renewal improvement within first deployment quarter

Retention-Based Pricing

Performance model aligned with premium preservation outcomes

Regulatory Compliance

Built to meet insurance regulatory requirements across Africa

Assess Retention Economics