Renewal Intelligence
Analyze policyholder data, claims history, and market conditions to classify your entire renewal book into auto-renew, review-required, and at-risk categories — with retention strategies and pricing recommendations built in.
Renewal management is reactive — and it's costing you accounts
Your account managers find out a client is shopping when it's already too late. Profitable accounts get the same renewal treatment as unprofitable ones. There's no systematic way to identify which renewals are at risk until the non-renewal notice arrives.
Manual renewal prep takes 2–3 weeks per cycle. Someone has to pull the loss runs, review the claims history, check the market conditions, calculate the profitability, and figure out which accounts actually need attention. Multiply that across hundreds or thousands of renewals, and you've got a team buried in spreadsheets instead of building relationships.
The data to predict which accounts will leave exists in your systems right now. It's just scattered across policy admin, claims, billing, and agency management — and nobody has time to connect the dots before the renewal date hits.
From renewal book to action plan — automatically
Portfolio Analysis
SectorFlow ingests your upcoming renewal book and pulls policyholder data, claims history, billing patterns, loss ratios, and account tenure from your systems. Every renewal gets a complete data profile.
Risk Classification
The AI scores every renewal on churn likelihood using claims frequency, payment behavior, market competitiveness, and engagement signals. Each policy is classified as auto-renew, review-required, or at-risk.
Pricing Recommendation
For each renewal, the AI generates a pricing recommendation based on loss experience, profitability targets, market conditions, and competitive positioning. Account managers see the recommended rate alongside the rationale.
Retention Strategy
At-risk accounts get a tailored retention playbook — recommended touchpoints, talking points, bundling options, and concession thresholds. The AI prioritizes by account value and win-back probability.
Renewal Execution
Auto-renew accounts are processed automatically. Review-required accounts are queued with complete packages for underwriter approval. At-risk accounts are assigned to account managers with full context and recommended next steps — delivered right to their Teams channel.
This isn't a dashboard — it's a renewal operations engine
Every capability your renewal team needs, built in from day one.
Predictive Churn Scoring
Machine learning models score every renewal on churn probability using claims patterns, billing behavior, market signals, and engagement history.
Profitability Analysis
Calculates true account profitability across all lines — factoring in loss ratios, expense ratios, and lifetime value — so you know which accounts to fight for.
Competitive Benchmarking
Compares your renewal pricing against market rates and competitor positioning to identify accounts where you're over- or under-priced.
Automated Renewal Proposals
Generates renewal proposals with recommended terms, pricing, and coverage adjustments — ready for account manager review and client delivery.
At-Risk Alerts
Proactive notifications when a renewal crosses into at-risk territory — triggered by behavioral signals, not just the renewal date approaching.
Pipeline Tracking
Real-time visibility into your entire renewal pipeline — by status, risk level, account manager, and line of business. No more spreadsheet tracking.
Connects to the systems you already run
Salesforce
Microsoft Teams
Guidewire PolicyCenter
Applied Epic
Duck Creek
Agency Management Systems
Don't see your system? We integrate with any platform via API. Talk to us.
What carriers are seeing
Renewal retention rate (vs 87% prior)
Reduction in renewal cycle time
Improvement in book profitability
Based on pilot deployments. Your results will depend on book size, product mix, and system configuration.
"We used to find out an account was shopping when the broker called to say they were leaving. Now we're catching at-risk accounts 60 days before renewal. Our account managers have time to build a retention strategy instead of scrambling. Last quarter we saved 23 accounts we would have lost — that's $4.2M in premium we kept on the books."
— VP of Personal Lines, Multi-State Insurance Carrier
Frequently Asked Questions
See What Proactive Renewal Management Looks Like for Your Book
Book a 30-minute discovery call. We'll walk through the Renewal Intelligence flow with your data and your retention goals.
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