Every policy event — claim, lapse, renewal — a moment to act instantly and compliantly.
Missed renewals.
Lost premiums. Delayed interventions.
Works with Duck Creek, Guidewire, Majesco and all major insurance core systems.
Detect early lapse signals → trigger retention before policy expiry.
Claim filed → real-time updates, guidance, and cross-sell. No wait, no confusion.
Life stage change → personalised policy recommendation instantly.
Suspicious claim → trigger intervention in-session before payout.
Renewal window → dynamic pricing and personalised engagement.
Agent alerted with contextual insights and next best action in real time.
Policy Event → Action
Lapse signal detected → retention triggered before expiry. No campaign delay.
Claim Filed → Engagement
Real-time claim updates + cross-sell recommendation. Every step of the journey.
Fraud Signal → Intervention
Suspicious claim pattern → in-session intervention before payout authorised.
Renewal Window → Conversion
Renewal trigger → dynamic offer with personalised pricing. Conversion maximised.
Life Change → Policy Rec
Life stage event → personalised policy recommendation in the moment it matters.
Agent Call → Insight
Agent receives real-time contextual brief — next best action delivered before the call.
Claim, payment, life event or lapse signal ingested in real time.
Risk, upsell, or retention — determined in under 100ms.
SMS, agent alert, or in-app — routed within compliance rules.
Delivered instantly, within regulatory constraints. Fully logged.
Compliance is not bolted on. Every Appice decision in insurance carries consent checks, reason codes, and a full audit trail — ready for regulators at any time.
Consent → Enforced
Every message checked against live customer preferences before it fires.
Decision → Audit Trail
Immutable logs with reason codes. Ready for regulators on demand.
AI → Explainable
Every AI recommendation includes a human-readable reason code. No black box.
Data → Sovereign
Residency controls and model governance built in — on-prem or your cloud.
A large life insurer with millions of policies due for annual renewal, and a general insurer serving motor, home and life products. Renewal communication was centralised batch outreach. Post-claims engagement was limited to settlement acknowledgements.
Policy lapse rates spiked in the renewal window due to generic, poorly-timed communications. High-value at-risk policyholders received identical messaging to low-risk renewals and attrited silently. Claim settlement moments — high-trust windows for relationship deepening — generated no onward engagement.
Integrate connected policy management, claims systems and digital behavioural data. Intent modelled lapse propensity using payment history, engagement recency, sum assured and life-stage signals. Allyvate AI designed personalised renewal journeys per risk tier with compliance-vetted cross-sell eligibility checks. Interact executed multi-channel outreach across push, WhatsApp and direct agent escalation for high-value at-risk policies.
2.5× renewal conversion improvement. 28% policy lapse reduction. 1.8× cross-sell conversion from post-claim moments. The renewal function transformed from a batch campaign into a proactive, agentic lifecycle retention capability — with measurably improved commercial and operating model outcomes.