Policy Renewal Retention Automated 90 Days Out: Stop Losing 15–25% of the Book

// the problem

Carriers lose 15–25% of their policy book at renewal due to reactive, delayed outreach. First contact typically happens ~30 days before expiration — too late to intervene competitively. Underwriters manually review at-risk policies. Reporting requires ~6 manual steps per renewal cycle. Without proactive segmentation and early intervention, high-value policyholders are already shopping around before carriers can offer competitive terms.

// what CLU does

Agent 04 executes a fully autonomous 90-day retention cycle with five scheduled checkpoints and zero manual reports. High-value policyholders get outreach at D-90. At-risk cases are intercepted at D-75 and routed to underwriters before any offer is made — a safety gate enforced automatically. Personalized offers deploy at D-60. Unengaged high-value cases escalate to human specialists at D-45 with full context. Final burst at D-30 with cancellation intent detection active throughout.

// the agents, in order

1. 1
   D-90 Trigger Agent

   Pulls policy data, premium history, and claims from Policy Admin API — generates initial renewal quote via Rating Engine and triggers high-value outreach immediately
2. 2
   D-75 Risk Interception Agent

   Intercepts policyholders with open claims or missed payments — routes directly to underwriter queue for manual review before any offer is made, safety gate enforced
3. 3
   D-60 Personalization Agent

   Deploys personalized renewal offers for Standard and High-Value tiers via Email/CRM — episodic memory ensures each message reflects actual claims history and tenure
4. 4
   D-45 Escalation Agent

   High-value policyholders with zero engagement automatically assigned to human retention specialist — full context passed, human-in-the-loop triggered before it's too late
5. 5
   D-30 Final Outreach + Intent Monitor

   Executes last touchpoint, logs all interactions in CRM automatically, and monitors cancellation intent — instant escalation if policyholder signals intent to leave

// systems it talks to

• Policy Admin API
• Rating Engine API
• Email / CRM
• Slack Alerts
• Underwriter Queue
• Episodic Memory

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