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Own the renewal conversation before it starts.
You know the renewal dates for the policies you wrote. You know nothing about the rest of the household — which is where your next three policies are, and where your competitor is already looking.
Four things it changes
New business
Leads generated from a household relationship rather than bought at auction. The vault tells you what the household holds, what it pays, and when it renews — so the approach is specific rather than speculative.
Retention
Renewal becomes scheduled opportunity instead of reactive defence. The concierge is in the conversation thirty days before the competition, with a reason-coded position.
Cross-sell
Four lines in one household record. A motor relationship surfaces home, travel and health gaps with named exposures rather than a mailshot.
Loss ratio
Verified driving behaviour improves selection and, on the evidence tested in pilot, the book itself. The chain, with each link classified.
Run all three routes at once
They serve different parts of your book. Choosing one is usually a mistake.
| Route | Serves | Whose brand | Who converts | Who keeps the client |
|---|---|---|---|---|
| Insurer direct | Digital-first segments, new households | Yours | Your contact centre | You |
| Agent distribution | Your tied agent network and their books | Yours, given to agents | The agent | The agent |
| Independent broker | Broker-placed business | The broker’s | The broker | The broker |
Your agents are the point, not the problem
The common fear is that a digital channel cannibalises the agent force. In the agent distribution route the opposite is designed in: you fund the app and give it to your agents as a benefit. The app generates the opportunity; the agent converts it and keeps the relationship.
Amanati takes a percentage of the commission on the sales the app generates. The agent’s production goes up, not sideways.
The agent case, in fullWhat you supply
Product and panel data, rating access or quote API, underwriting rules, document templates, binding authority, compliance sign-off, and agent or contact centre resource. Integration effort and timelines are set out on the architecture page.
Model it against your own book.
Book size, average premium, current retention and cross-sell rate. Every assumption visible and overridable.