Policy renewal systems for insurance agents
Raze Drops builds policy renewal systems for insurance agents, so every policy is chased well before expiry with the renewal figure and documents attached, and a lapse stops depending on somebody remembering a date. Replies and payments land in one trail per client.
On this page
An agent with a few hundred policies is running a calendar, not a pipeline, and that calendar usually lives in a spreadsheet only one person understands. This page describes the renewal system we build to run it, what happens to a client who does not reply, and what the build costs.
What does an agent lose to a missed renewal date?
A lapsed policy is a client lost twice: the commission this year, and the relationship that would have produced referrals for a decade.
Most lapses are not decisions. They are a reminder that went out too late, or a document that was requested once and never chased, in a week when the agent was busy writing new business.
What does the policy renewal system actually do?
It watches every expiry date and opens the renewal conversation early, sending the figure, the documents and the payment instruction in your name and on your channels.
Clients who do not respond are chased on a widening schedule instead of once, and anything needing your judgement is escalated to you with the whole client history in view. The reminder engine is ordinary marketing automation, and the part that reads the reply and files it is a custom AI agent.
What does a renewal build cost and how fast is it live?
A renewal build is priced per project, from $300 to $9,000 depending on the product lines and the places it has to read dates from, with a monthly maintenance retainer to keep it accurate.
You see the proposal and the price before any deal is signed, and an agency of one or two people is usually running inside a few weeks. Agents often read enrolment for tuition centres and member retention for gyms next.
| Step in the renewal cycle | On a spreadsheet today | On the renewal system |
|---|---|---|
| Expiry date approaching | Spotted if somebody opens the file | Detected automatically, weeks ahead |
| First renewal notice | Sent when the agent has a free evening | Sent on a fixed lead time, every policy |
| Client does not reply | One more try, then it lapses | A widening schedule of reminders |
| Documents and payment | Chased by phone, recorded by hand | Requested, received and filed on the record |
| Client asks a real question | Lost in a message thread | Escalated to the agent with the history |
Tell us how many policies you renew a year and we will send a proposal with a fixed price. Start on the contact page.