Policy Renewal Reminders
The single biggest reason agencies lose policies they should have kept is that nobody reaches out until the carrier’s lapse notice has already landed. By then, the policyholder is already shopping. The renewal-reminder cadence solves that.
The 120 / 60 / 30 / 7-day cadence
Each touchpoint is engineered for the renewal psychology at that distance:
- 120 days — early-bird discount conversation. “Quick check-in — are you taking advantage of every discount you’re eligible for?”
- 60 days — annual review booking. “Let’s get on the calendar for your annual check-in.”
- 30 days — comparison-shopping insulation. “Here’s exactly what your renewal looks like, here’s why.”
- 7 days — bind confirmation + autopay verification. “Renewal posts on the 21st. All set?”
Segmented by carrier + payment method
The renewal cadence is different for a Progressive auto policy paid in full vs an SR-22 with a non-standard carrier on monthly pay. Different copy, different timing, different escalation paths.
Auto-suppression when payment posts
The moment the renewal payment posts, the entire remaining sequence auto-suppresses. No “your renewal is due in 7 days” text 24 hours after you paid.
STOP-keyword respected
Standard across the snapshot. STOP, STOPALL, UNSUBSCRIBE all suppress the renewal sequence on top of every other marketing sequence. A policyholder who opted out of marketing still gets transactional renewal reminders unless they specifically opt out of those too.
Per-line variations
- Auto — 12-month policies, four-touch cadence
- Home — 12-month policies, four-touch cadence + replacement-cost refresh
- Life term — 5-, 10-, 20-, 30-year terms, longer warm-up
- Medicare — AEP-aware, only fires inside permitted windows
- Commercial — longer cadence, producer-led, audit-period aware
- Non-standard auto — 6-month policies, three-touch cadence