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Never Lose a Renewal with AI Policy Renewal Agent
Automate proactive renewal outreach, policy comparisons, and payment collection — so your retention team converts more renewals with less manual effort.
40%
Increase in Renewal Rate
Powering 2000+ enterprise customers across the globe
What is AI Policy Renewal Agent?
Tevatel's AI Policy Renewal Agent identifies policies approaching expiry, initiates proactive renewal conversations via voice and WhatsApp, presents renewal options, handles premium payment, and confirms the renewed policy — all automatically, weeks before the expiry date.
- Identifies policies expiring in the next 30, 60, and 90 days automatically
- Initiates personalised renewal conversations via voice, WhatsApp, and SMS
- Presents plan options, compares benefits, and answers renewal questions conversationally
- Collects premium payment in the same WhatsApp conversation via payment link
Why Policy Renewals Slip Through the Cracks
These are the persistent challenges causing policy lapses and premium revenue loss — solved by AI automation.
Policy Lapses
Without early, proactive outreach, policyholders let policies lapse — losing your premium revenue and their coverage.
Manual Renewal Chasing
Retention teams spend weeks manually following up on expiring policies — a high-volume, repetitive task AI handles instantly.
Poor Timing
Contacting policyholders too late — after expiry or only 1–2 days before — leads to last-minute stress and lower renewal rates.
Retention Team Capacity
Retention teams can't scale to personally contact every expiring policy — especially during peak renewal seasons.
Built to Retain Every
Policyholder Automatically
Tevatel's AI Policy Renewal Agent starts the renewal conversation 30+ days before expiry — giving policyholders time, information, and a frictionless path to renewing their coverage.
- Automated renewal outreach starting 30, 15, 7, and 1 day before expiry date
- AI voice and WhatsApp conversations that explain renewal options and benefits clearly
- Policy comparison and upsell recommendations presented conversationally by AI
- Premium payment link delivered in-conversation for instant, frictionless renewal
- Real-time retention dashboard with renewal rate, lapse rate, and premium collected
Why AI Renewal Agent
Outperforms Manual Retention
Unlike manual retention calls or bulk SMS blasts, Tevatel's AI Renewal Agent conducts personalised, two-way renewal conversations — answering questions, comparing plans, and collecting payment — at scale.
- Contacts 100% of expiring policies — no account is missed due to capacity constraints
- Personalised conversations reference the specific policy, premium, and expiry date
- AI answers coverage questions, compares upgrade options, and processes payment in-call
- Works for all policy types — health, motor, life, property, and group insurance
- Integrates with Salesforce, Zoho, Finacus, and any insurance CRM or policy management system
Real Renewal Performance Results
Increase in Renewal Rate
Renewals Automated
Lower Retention Cost
From Expiry Alert to Renewed Policy in 4 Steps
A fully automated renewal lifecycle — from early identification to premium collection — without manual effort.
Identify Expiring Policies
AI scans your policy book daily and queues policies by days-to-expiry for staged, proactive outreach.
Proactive Renewal Outreach
AI reaches out via voice or WhatsApp 30 days before expiry — opening a renewal conversation at the right time.
Present Options & Collect
AI presents renewal options, answers questions, and delivers a payment link for immediate premium settlement.
Confirm & Update Policy
Renewal is confirmed and updated in your policy management system automatically — with no manual data entry.
Measurable Impact on Policy Retention
Higher renewal rates, lower lapse rates, and a retention team focused on complex cases only.
40% Higher Renewal Rate
Early, proactive AI outreach converts significantly more renewals than last-minute manual follow-up calls.
60% Lower Retention Cost
AI handles the entire renewal lifecycle — eliminating the cost of large manual retention teams for standard renewals.
Zero Policies Missed
AI contacts 100% of expiring policies on schedule — ensuring no renewal is lost due to team capacity or workload.
Connects with Your Insurance
and Policy Stack
Tevatel integrates with your policy management system, CRM, and payment gateway — creating a fully automated renewal pipeline.
Everything You Need for Policy Renewal at Scale
Purpose-built for insurance carriers, brokers, and aggregators managing large policy books.
Staged Renewal Cadence
Configurable outreach schedule — 90, 60, 30, 15, 7, and 1 day before expiry — with escalating urgency and personalised messaging.
Policy Comparison AI
AI presents current plan details, available upgrades, and benefit comparisons — helping policyholders make informed renewal decisions.
Retention Analytics Dashboard
Track renewal rate, lapse rate, premium collected, and upsell success — by product, region, and agent in real time.
In-Chat Premium Collection
Payment links delivered within the WhatsApp renewal conversation — reducing friction from renewal intent to premium payment.
Why Choose Tevatel?
Powering modern businesses with reliable, scalable, and intelligent solutions.
ISO Certified
ISO certification ensures high-quality standards and secure business operations at scale.
24/7 Support
Round-the-clock support ensures your operations run without interruption.
Cost Effective
Affordable solutions designed to deliver maximum ROI.
Quick Setup
Get started instantly with zero configuration and guided onboarding.
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Trusted by Insurance Retention Teams
"Tevatel improved our motor policy renewal rate by 38% in 6 months. The AI reaches every expiring policy 30 days in advance — our retention team only handles complex cases and complaints."
Ramesh Nair
Head of Retention, Bajaj Allianz Partner
"We process 50,000 renewals a month. Tevatel automates outreach for 80% of them — our team focuses exclusively on high-value policies and exceptions. Cost per renewal dropped by 55%."
Shalini Menon
VP Customer Retention, HDFC Life Insurance
"The WhatsApp renewal conversation is brilliant — policyholders compare plans and pay premium in the same chat. Our renewal cycle has shortened from 3 weeks to under 48 hours."
Vijay Kumar
Head of Operations, Cholamandalam Insurance
Frequently Asked Questions
Everything you need to know about AI Policy Renewal Agent.