Insurance
Insurance
Most policyholders hear from you twice a year: when they pay and when they claim.
WHO IT IS FOR
Insurers
From two touchpoints to a relationship.
Motor, medical, home, travel and life insurers: onboarding, claims updates, renewals and cross-sell across lines.
Insurtech & aggregators
From quote to renewal.
Quote follow-up, policy activation, add-ons and renewal reminders, run on the platform you already use.
23.3%
of failed annual renewals are ever recovered.
Annual policies behave like annual subscriptions. Most renew, but when a payment fails, fewer than one in four are won back. A planned renewal journey, 60, 30 and 7 days out, is the biggest lever.
Source: Ethos technology partner benchmarks, 2025–26 · annual subscriptions, used as a proxy for policies · global, not KSA- or Middle East-specific
THE LIFECYCLE
01 Activate
Policy onboarding and app set-up First claim guidance and status updates Coverage and benefit awareness
Measured by
Policy activation
02 Retain
Renewal journeys Cross-sell across motor, home, travel and life Add-ons and coverage upgrades
Measured by
Renewal rate
03 Win back
Lapsed policy recovery Missed-renewal follow-ups Quote abandonment recovery
Measured by
Lapse rate
Touchpoints that change by customer.
We build these flows on your email, push, SMS and WhatsApp. Each policyholder's tags decide who gets which message, and when; every flow is measured against a hold-out group.
Welcome series
Email + WhatsApp · new policyholders, first 14 days
Renewal reminders
SMS, WhatsApp + email · 60, 30 and 7 days before renewal
Payment recovery
SMS + WhatsApp · renewal payment failed, same day
Claim updates
Push + SMS · claim open, at every status change
Cross-sell
Email + push · single-line holders, after the first renewal
Lapse win-back
WhatsApp + email · 0 to 90 days after lapse
Renewal is the moment that decides retention.
Most policies renew, but a failed payment rarely comes back on its own. A planned renewal journey covers the weeks before, the day itself and the months after.
60–30 days before
Value recap, coverage review, early-renewal offer and a card update prompt.
Renewal day
Smart retries, WhatsApp and SMS payment links, one-tap renewal.
0–90 days after
Lapse follow-ups, alternative cover or a pause, quote-based offers.
CAMPAIGNS VS FLOWS
Policyholders are selective: they open less, but act when a message matters.
Landing page conversion Financial services, vs 10.8% all industries
Click-to-open rate Financial services, vs 11.95% all industries
Unsubscribe rate Lowest of 18 industries
Start with one journey.
Measured by
Renewal rate and failed renewals recovered
FAQs
Do we need to buy a new platform? No. We work on the CRM, CMS and app platforms you already run. If you want a new one, we can recommend and implement it. Does customer data leave the insurer? No. We work inside your own CRM and messaging platform; customer data stays in your systems, and results are measured in your own data. What do you need from us? Access to your CRM and messaging platform, consent records, and content approvals from your team. Can you work across motor, medical and travel? Yes. We map one lifecycle per line, then connect them for cross-sell. Who is on the team? An engagement manager leads a data analyst, a martech developer, a UX/UI designer and a copywriter, with a strategist and data architect during set-up.
