Question 1

Independent agencies live or die on renewal retention — and it's run by spreadsheet.

Accepted Answer

A 90% renewal rate vs 80% is the entire agency's profit margin.

Renewal cycles are managed in Excel, cross-sell opportunities at every life event get missed, commission reconciliation from carriers is a manual monthly ordeal, and CE hours creep up on producers every December. This system pulls every high-leverage surface — renewals, life-event triggers, claims SLA, commission, producer KPIs, compliance — into one live workspace.

Question 2

What does the Insurance Renewal & Retention Engine actually do?

Accepted Answer

Renewal calendar, life-event cross-sell triggers, claims tracker with carrier SLA, commission reconciliation, producer performance, and CE compliance — for independent P&C, health, life, and employee benefits agencies. Specifically: Every renewal in the pipeline surfaces with risk score + carrier premium change 45 days out; Life events (home closings, marriages, teen drivers) trigger auto-drafted cross-sell quotes; Claims with carrier SLA tracked · breaches auto-escalate to senior adjuster; Carrier statement vs AMS booked auto-reconciled · under-payments queued for follow-up; CE hours + E&O + state licensing all dashboarded · warnings 90 days before deadline.

Question 3

What does a system like this cost?

Accepted Answer

This system sits in the $10,000–$20,000 project band, scoped to the business. A 25% deposit reserves a build queue position and is credited in full toward the project — refundable if, after a requirements call, it isn't the right fit.

Independent agencies live or die on renewal retention — and it's run by spreadsheet.

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