Retention is cheaper than new acquisition. ALE automates renewal touches 90, 60, 30, 15, 7 days out and catches every rate increase before the client finds it on their own.
Acquiring a new P&C client costs 5 to 7 times more than renewing one. Every point of retention is pure margin.
Paid leads, ads, producer time. Often $200 to $500 per bound P&C policy.
Automated touches plus occasional CSR call. Near zero per policy.
Going from 82 to 94 percent retention on 500 policies means 60 extra renewed per year. At average commission, that is often $20,000+.
Touches start 90 days out so nothing is ever a surprise.
| Days Out | Touch | Purpose |
|---|---|---|
| 90 | Review invite email | Proactive conversation before market noise |
| 60 | Premium preview SMS if rate changed | Soften bad news, offer to remarket |
| 45 | Booking link for rate review call | Get the call scheduled before they shop |
| 30 | Renewal confirmation email | Locks decision before competitors call |
| 15 | Documents and payment reminder | Smooth transition to next term |
| 7 | Payment confirmation request | Avoid lapse |
| 0 | Welcome back email, review ask | Reinforce relationship |
Rate increases are the number one churn trigger. Automation softens the blow and keeps the client.
Policy renewal pulled from AMS or rater, new premium compared to current, delta flagged.
60 day SMS explains the change, context, next step. Owning it beats ignoring it.
Increases above a threshold automatically open a remarketing task with alternate carrier comparison.
Safe driver, multi line, paperless, loyalty discounts reviewed to offset increase where possible.
Auto, home, umbrella, commercial retention percentages, trended over 12 months.
Policies flagged based on rate increase size, claim history, communication non response.
Captured on churn disposition so you know if it is price, service, or coverage gap.
Book a call and we will show you the renewal automation flow and how fast retention moves.