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Insurance

Every policy moment.
A real-time decision.

Claims, renewals, life events, lapse signals — turned into compliant, in-the-moment action across every channel.

Regulator-ready · IRDAI / NAIC / Solvency II / SAMA-aware · auditable per decision

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Decision Console · Insurance
LIVE
Sense
Renewal in 30d
lapse risk
Decide
12% loyalty offer
p=0.71
Act
Email + push
agent assigned
Learn
Renewed
lapse -28%
Inform Routes every policy touch with IRDAI-compliant disclosure and consent
Allyvate AI Picks the next best action for each policy moment — in real time
Policy signals
Policy
Claim
Risk
Auto
Home
Health
Renewal
Fraud
Problem

Insurance doesn't lack data. It lacks timely action.

By the time a lapse alert or fresh claim signal reaches the agent, the renewal window has often already closed.

Without real-time decisioning
  • Renewal nudges fire after the competitor was shopped
  • Fraud signals surface after payout is committed
  • Cross-sell reviewed next quarter, not at intent
  • Agent dashboards refresh overnight, not at intent
  • Compliance evidence reconstructed from logs, by hand
With Appice
  • Lapse-risk renewal play fires 30+ days early
  • Fraud anomaly held pre-payout, in under 100 ms
  • Cross-sell window opens at peak post-claim sentiment
  • Agent gets a live alert + talk-track at intent
  • Every decision logged for IRDAI fair-practice audit
Moments that matter

Ten real-time plays in Insurance.

Signal detected. Decision made. Action taken — before the moment closes. Tap any card to zoom in. Scroll for more.

Use Case 01
Lapse risk score crosses threshold

Tier-aware renewal nudge before the policy lapses.

Payment history, engagement recency, sum-assured and life-stage signals predict 30-day lapse probability. The right outreach + offer fires while the policy can still be saved.

Real-Time Decision Loop
Allyvate AI · Selects the lowest-cost concession that retains the policy.
30% lapse reduction Tap to zoom
Use Case 02
Claim filed

Status track + post-claim cross-sell window.

Claim event triggers a guided status flow for the customer and a cross-sell-eligibility check for the right next product — only after settlement, only if appropriate.

Real-Time Decision Loop
Allyvate AI · Picks the right cross-sell timing post-payout.
1.8× post-claim cross-sell Tap to zoom
Use Case 03
Marriage / new baby life event

Term-policy or family rider conversation.

Life-event signal (verified) opens a curated conversation about term cover, riders and family inclusion — without overwhelming the customer with multiple products at once.

Real-Time Decision Loop
Allyvate AI · Selects the right product for this family stage.
Higher attachment per life event Tap to zoom
Use Case 04
Motor policy renewal window

Dynamic renewal pricing + add-on suggestion.

Claims history, vehicle profile, NCB and competitive context drive a personalised renewal offer with optional add-ons (zero-dep, roadside, consumables).

Real-Time Decision Loop
Allyvate AI · Prices the add-on bundle to maximise renewal + attach. Inform · Pricing rationale logged for IRDAI fair-practice audit.
2.5× renewal conversion Tap to zoom
Use Case 05
Health policy bill query

In-session co-pay + claim-process explainer.

A high bill query triggers a personalised explainer that walks through co-pay, deductibles and claim-process steps — reducing inbound complaints.

Real-Time Decision Loop
Lower complaint volume Tap to zoom
Use Case 06
Fraud signal in claim

In-session intervention before payout authorised.

Anomaly score + behaviour signals + document inconsistency trigger a hold + intervention — before payout. Investigator gets context, customer gets a clear next step.

Real-Time Decision Loop
Allyvate AI · Tunes fraud thresholds per product / segment. Inform · Investigation + decision rationale captured for audit.
Lower fraud loss Tap to zoom
Use Case 07
Top-up eligibility window

HNI advisory upsell, agent-assisted.

Sum-insured headroom + age + claim pattern flags health top-up opportunity. Agent gets full context and pre-approved cap to convert quickly.

Real-Time Decision Loop
Allyvate AI · Picks the right policy + tenure for this HNI.
Higher HNI penetration Tap to zoom
Use Case 08
Cashback or bonus eligible

Member benefit surfaced + retention play.

Eligible cashback / no-claim bonus / wellness credits surface at the right moment, building the renewal moment rather than dropping the customer cold.

Real-Time Decision Loop
Higher tenured retention Tap to zoom
Use Case 09
Policy maturity in 90 days

Re-investment / continuation options.

Maturity events trigger a curated set of options — lump-sum + annuity, conversion, rollover — with advisory hand-off for high-value cases.

Real-Time Decision Loop
Allyvate AI · Selects the re-investment product that retains this profile.
Higher maturity retention Tap to zoom
Use Case 10
Family rider opportunity

Add-on suggestion at right life moment.

Family-graph + life-event signal scores readiness to add a rider for a spouse / child / parent. Conversation routes to agent + digital with consent.

Real-Time Decision Loop
Allyvate AI · Picks the rider configuration with highest attach probability.
Higher family attach rate Tap to zoom
The Solution

From signal to compliant action.

2–3×Renewal conversion
30%Reduction in lapse
<200msDecision latency
100%Auditable decisions

Policy Event → Action

Lapse signal detected → retention triggered before expiry. No campaign delay.

Claim Filed → Engagement

Real-time claim updates + cross-sell recommendation. Every step of the journey.

Fraud Signal → Intervention

Suspicious claim pattern → in-session intervention before payout authorised.

Renewal Window → Conversion

Renewal trigger → dynamic offer with personalised pricing. Conversion maximised.

Life Change → Policy Rec

Life stage event → personalised policy recommendation in the moment it matters.

Agent Call → Insight

Agent receives real-time contextual brief — next best action delivered before the call.

Integration

Works with your existing core insurance systems.

Appice plugs into Guidewire, Duck Creek, Majesco, in-house PMS, claims engines, underwriting platforms and broker portals — plus payer integrations, agent CRM and digital channels. We add the real-time decisioning layer on top.

Your customer and policy data stay in your environment. On-premise, private cloud or hybrid — with reason codes and consent on every decision.

Signal Ingestion (Integrate) Decisioning Engine (Intent) Execution Layer (Interact) Analytics (Insights) Allyvate AI Inform
Built for Regulated Insurance

Every decision. Auditable. Explainable.

Compliance is not bolted on. Every Appice decision in insurance carries consent checks, reason codes, and a full audit trail — ready for regulators at any time.

IRDAI
SAMA Insurance
Solvency II
PDPA
NAIC
IA Hong Kong
SUSEP
APRA

Consent → Enforced

Every message checked against live customer preferences before it fires.

Decision → Audit Trail

Immutable logs with reason codes. Ready for regulators on demand.

AI → Explainable

Every AI recommendation includes a human-readable reason code. No black box.

Data → Sovereign

Residency controls and model governance built in — on-prem or your cloud.

Case Study — Insurance

From annual renewals to real-time retention.

2.5×Renewal conversion increase
28%Reduction in policy lapse
1.8×Post-claim cross-sell lift
8 wksTime to live
Context

A large life insurer with millions of policies due for annual renewal, and a general insurer serving motor, home and life products. Renewal communication was centralised batch outreach. Post-claims engagement was limited to settlement acknowledgements.

Problem

Policy lapse rates spiked in the renewal window due to generic, poorly-timed communications. High-value at-risk policyholders received identical messaging to low-risk renewals and attrited silently. Claim settlement moments — high-trust windows for relationship deepening — generated no onward engagement.

Solution

Integrate connected policy management, claims systems and digital behavioural data. Intent modelled lapse propensity using payment history, engagement recency, sum assured and life-stage signals. Allyvate AI designed personalised renewal journeys per risk tier with compliance-vetted cross-sell eligibility checks. Interact executed multi-channel outreach across push, WhatsApp and direct agent escalation for high-value at-risk policies.

Impact

2.5× renewal conversion improvement. 28% policy lapse reduction. 1.8× cross-sell conversion from post-claim moments. The renewal function transformed from a batch campaign into a proactive, agentic lifecycle retention capability — with measurably improved commercial and operating model outcomes.

Get in touch →
Turn every customer moment into revenue

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Frequently Asked Questions

People also ask

How does Appice work for insurers?
Appice senses signals from policy admin systems, claims pipelines and customer apps; decides on the right outreach for each policyholder — renewal nudge, claims update, cross-sell — and executes across channels in real time. Built for the policy-lifecycle complexity of life, general and health insurance.
Can Appice predict policy lapse?
Yes. Appice combines premium-payment patterns, engagement signals and external data to predict policy lapse 30 to 90 days in advance, then fires personalised retention campaigns in the precise window each policyholder is most likely to respond. Demonstrably reduces lapse vs batch retention programmes.
What insurance use cases does Appice support?
Renewal-period campaigns, lapse-prevention nudges, claims-status communications, cross-sell to existing policyholders (life adding health, health adding accident), agent-assisted journeys, onboarding sequences for new policies, and dormant-customer re-activation.
Does Appice integrate with policy admin systems?
Yes. Appice integrates with leading policy admin platforms via API, event stream, webhook or direct database. Real-time signals from policy events flow into the decisioning layer; resulting actions execute across SMS, app, email, agent app and call-centre.
How does Appice handle claims engagement?
Claims is a high-trust moment. Appice orchestrates personalised claims-status updates, document reminders, and next-step nudges across the claim lifecycle. Empathetic timing and tone are the difference between a renewing policyholder and a churning one — Appice handles both.
Is Appice compliant with insurance data regulations?
Yes. Appice deploys on-premise or in the insurer's private cloud — PII never leaves the perimeter. Compliant with India's IRDAI requirements, DPDP Act, and EU GDPR. Audit trail on every decision and every customer interaction.
Can Appice support agent-assisted journeys?
Yes. Appice orchestrates real-time agent prompts — next-best-question, next-best-offer, churn-risk flags — delivered into the agent's CRM or assist tool so the human conversation matches the data the system already has.