While the industry loses 5.4M policies annually, we help you keep them—and grow them.
Industry data reveals massive value destruction. We turn it around.
Average first-year lapse across term products2
Potential reserve efficiency gain4
Massive drop-off when premiums jump3
Sources:
1 SOA/LIMRA 2015–2022 Term/Whole Life Lapse Study
2 SOA/LIMRA 2007–2009 U.S. Individual Life Persistency
3 SOA 2021 Post-Level Term Lapse Experience
4 AAA 2019 VM-20 PBR Practice Note
Each module attacks a different profit leak. Together, they transform your portfolio.
Reads every customer signal. Finds patterns humans miss.
Predicts who will leave. Stops them before they do.
Turns one policy into many. Revenue multiplies.
Autonomous agents that work while you sleep.
While the industry loses $1.4 trillion to lapses, our clients capture that value.
Below industry's 11.2% average*
Faster capital release via VM-20*
Retention at critical term-end*
For every $1B in face value: 1% lapse improvement = $10M retained
Based on SOA/LIMRA industry data showing $30.6T exposure with 5.4M lapses
Powered by CLAI.net. Works 24/7. Never takes a break. Costs less than one employee.
Customers can't tell the difference
Works nights, weekends, holidays
Voice, chat, email, SMS, WhatsApp
See every conversation instantly
This is an actual AI agent handling a policy renewal.
"Hello, this is Sarah from your insurance company about your policy renewal..."
Simple to start. Quick to see results. Easy to scale.
Secure integration in minutes. Your data never leaves your control.
Our engines scan every policy. Find every hidden dollar.
Personalized outreach that works. Watch revenue grow.
Start small. Prove value. Scale fast.
15 minutes could unlock millions in your portfolio.
Comprehensive analysis of 135.9M policy-years showing $1.4T in lapsed face value from 5.4M terminations.
View Study →Documents shock lapse rates of 27-96% at term renewal, identifying critical intervention windows.
View Report →AAA guidance on modeling policyholder behavior and dynamic lapse assumptions for reserve optimization.
View Practice Note →SOA/LIMRA analysis of 33.5M UL policy-years with $8.5T face value and 1.3M lapse terminations.
View Study →* All performance metrics based on industry benchmarks and client implementations. Individual results vary by portfolio characteristics.