Protect Revenue

Improve renewal continuity before policies become lapses.

Insurance profitability is not determined at acquisition. It is determined at renewal.

Every policy that lapses represents lost premium revenue, increased acquisition costs and reduced portfolio value.

Most insurers react when a policyholder enters the renewal window.
By then, disengagement has often already begun.

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Fundamento helps insurers identify lapse risk early, prioritise intervention and orchestrate engagement before revenue disappears.

By combining AI Agents, Signal OS Intelligence, Journey Orchestration and Advisor Intervention, the Persistency System continuously improves policy continuity across the customer lifecycle.

Renewal Risk

Most persistency challenges begin long before renewal.

Activation Stage Common Failure
Welcome Journey Low engagement
KYC Process confusion
VKYC Customer abandonment
Documentation Incomplete submissions
Product Education Lack of clarity
First Transaction Delayed activation

Existing Approach

Most renewal systems are built around reminders, not retention.

Existing Approach
Limitation
Bulk SMS

Generic communication

Normal Campaigns

No risk awareness

Advisor Follow-Up

Limited scalability

CRM Workflows

Static engagement

Call Centres

Cost-intensive outreach

Renewal Intelligence

Identify lapse risk before revenue
disappears.

Fundamento continuously monitors policyholder behaviour, engagement activity,
communication patterns and historical renewal outcomes.

Signal OS™ identifies customers most likely to lapse and determines:

  • Who should be contacted
  • When intervention should happen
  • Which channel should be used
  • Whether AI or human advisors should engage
  • What message is most likely to drive renewal

This enables insurers to move from renewal management to renewal intelligence.

Growth Intelligence

System Architecture

  • Policyholder Intelligence

    Customer understanding

  • Renewal Propensity Engine

    Predicts continuity likelihood

  • AI Engagement Layer

    Scalable outreach

  • Advisor Intervention Layer

    High-value engagement

  • Journey Orchestration

    Renewal workflows

  • Retention Intelligence

    Optimisation

  • Signal OS™

    Decision engine

Signal OS 
Intelligence Layer

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Placeholder

AI + Human Operating Model

  • Renewal reminders
  • Policy education
  • Journey progression
  • Premium notifications
  • Follow-ups

Business Outcomes

  • ↑ Persistency Rate
  • ↑ Renewal Rate
  • ↑ Premium Continuity
  • ↑ Customer Retention
  • ↑ Advisor Productivity

Business Impact

Proof of Performance

  • Renewal Recovery

    62%

    in-grace renewal

  • Operational Efficiency

    37%

    lower cost to recovery in 3 months

Platform Advantage

Why Fundamento

Traditional Persistency Programs

Fundamento Persistency System

Renewal reminders
Renewal intelligence
Advisor dependency
AI + Human orchestration
Static campaigns
Dynamic intervention
Portfolio visibility
Customer-level intelligence
Reactive retention
Predictive retention