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Autonomous Renewals
RenewIQ — Save the renewals your team forgets about.
RenewIQ predicts lapse probability per policy, then runs personalised WhatsApp + email sequences at T-60, T-30 and T-7 — recovering 30-40% of at-risk renewals without broker effort.
- Lapse prediction per policy
- Multi-channel WhatsApp + email cadence
- Personalised content, not templates
- Auto-hands-off to broker when needed
For brokers, IMFs, aggregators and direct insurers with recurring policy books.
Q3 renewal cohort · 184 policies
Snapshot
RenewIQ · lapse cadence
T-60 sent184 policies
T-30 sent112 policies
T-7 pending34 policieshigh
Renewed141 policies
Recovery rate
76.6%
Capabilities
What the agent actually does.
Lapse-risk scoring
ML model trained on renewal patterns — surfaces which policies need attention when.
Cadence engine
Sends the right message on the right channel at T-60, T-30 and T-7.
Client sentiment loop
Detects positive/negative responses; escalates to broker for high-value books.
Broker task queue
Everything RenewIQ couldn't close, cleanly handed to a human — nothing lost.
How it works
Four steps. One clean flow.
01
Score
Every policy scored for lapse risk.
02
Reach out
Personalised sequence begins at T-60 days.
03
Recover
Client renews via link or WhatsApp.
04
Escalate
High-value or complex renewals go to broker.
Outcomes
What good looks like.
30-40%
At-risk renewals saved
T-60d
Cadence starts
24×7
Runs autonomously
Explore the platform
Other Sparkmile products.
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