Most agencies lose 30 to 40 percent of their renewals to competitors quoting first. ALE tracks every x date, fires 4 stage reminder sequences, queues re quotes, and triggers cross sell at the exact right moment.
Agents reach out 10 days before renewal. By then, the competitor has already quoted. 30 percent of at risk renewals gone.
Market changed, carriers shifted rates. Client pays 20 percent more without being offered alternatives. They shop, you lose.
Renewal is the highest intent moment in the book. Most agencies just rebill, never offer umbrella, life, or business lines.
SMS and email to client: renewal coming up, want us to shop it. Re quote queue added to your dashboard. Plenty of time to move carriers.
Second touch with market comparison. If rate is going up, alternatives already ready. Client feels advocated for.
Final quote delivered. Decision window opens. SMS and call combo to confirm direction.
Bind or cancel reminder. Payment method check. Any missing info flagged.
Client renewing auto and home separately. Trigger bundle quote with discount. 35 percent of single line clients bundle when asked at renewal.
Asset check prompts umbrella quote at renewal. 15 to 25 percent conversion on offered umbrellas.
Age milestone or dependent count triggers life or disability offer. Long term retention climbs.
Small business owner with personal lines gets BOP, commercial auto, or WC offer at personal renewal.
Retention confirmed at renewal, review request fires day 7 after rebind.
Renewal is a trust moment. Auto referral ask triggers with a share link or referral code.
Book a demo. We will walk through x date tracking, the 4 stage sequence, and cross sell triggers that add 15 to 30 percent revenue per book.