Backed by SOA/LIMRA Research

Recover Your Share of $1.4 Trillion in Lost Value

While the industry loses 5.4M policies annually, we help you keep them—and grow them.

$30.6T Industry Exposure

11.2% Average Lapse Rate

3-5pp Our Improvement

The $1.4 Trillion Problem

Industry data reveals massive value destruction. We turn it around.

$1.4T Face value lost to lapses¹

5.4M Policies lapsed annually¹

135.9M Policy-years at risk¹

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First-Year Term Lapse

11.2%

Average first-year lapse across term products²

Some plans reach 27-96% at renewal³

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VM-20 Reserve Impact

30-40%

Potential reserve efficiency gain⁴

Better persistency = faster release

Shock Lapse at Term End

27-96%

Massive drop-off when premiums jump³

Prime window for intervention

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

Four Engines. One Mission.

Each module attacks a different profit leak. Together, they transform your portfolio.

AIQA Engine

Reads every customer signal. Finds patterns humans miss.

Real-time data processing
Historical pattern analysis
Actionable insights

Retention Engine

Predicts who will leave. Stops them before they do.

Predictive lapse modeling
Automated interventions
Personal retention paths

Revenue Multiplier

Turns one policy into many. Revenue multiplies.

Opportunity identification
Guided selling workflows
Revenue optimization

AI Agent Platform

Autonomous agents that work while you sleep.

Self-running AI agents
Advanced decision making
Infinite scalability

Turn Industry Averages Into Your Advantage

While the industry loses $1.4 trillion to lapses, our clients capture that value.

3-5pp

Lapse Reduction

Below industry's 11.2% average^*

Targeting first-year and shock lapse windows

20-30%

Reserve Optimization

Faster capital release via VM-20^*

Dynamic modeling improves release timing

30-50%

Shock Lapse Recovery

Retention at critical term-end^*

Converts high-risk lapses to revenue

Your Potential Impact

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

Your Tireless Insurance Workforce

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Human-Like Calls

Customers can't tell the difference

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Always On

Works nights, weekends, holidays

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Every Channel

Voice, chat, email, SMS, WhatsApp

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Live Analytics

See every conversation instantly

Hear It In Action

This is an actual AI agent handling a policy renewal.

"Hello, this is Sarah from your insurance company about your policy renewal..."

Policy Renewals

3.2 min avg call • 78% renewal rate

Claims Follow-up

Instant response • 95% satisfaction

Cross-sell

Real-time analysis • 32% conversion

Three Steps to Transform

Simple to start. Quick to see results. Easy to scale.

Connect Your Data

Secure integration in minutes. Your data never leaves your control.

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AI Finds Opportunities

Our engines scan every policy. Find every hidden dollar.

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Engage and Capture

Personalized outreach that works. Watch revenue grow.

Partner With Us

Start small. Prove value. Scale fast.

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Pilot Program

Test with a small segment. See real results before committing.

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Data Integration

Bank-level security. Your data stays yours.

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Measurable Impact

Track every metric. Prove every dollar of value.

Industry Research & Data Sources

SOA/LIMRA 2015–2022 Term/Whole Life Study

Comprehensive analysis of 135.9M policy-years showing $1.4T in lapsed face value from 5.4M terminations.

View Study →

SOA 2021 Post-Level Term Experience

Documents shock lapse rates of 27-96% at term renewal, identifying critical intervention windows.

View Report →

VM-20 Principle-Based Reserves

AAA guidance on modeling policyholder behavior and dynamic lapse assumptions for reserve optimization.

View Practice Note →

Universal Life Experience Study

SOA/LIMRA analysis of 33.5M UL policy-years with $8.5T face value and 1.3M lapse terminations.