Renewals and retention

The book re-rates itself.

Every month, BindIQ re-rates the policies coming up for renewal against the current market and tells you which ones should move, and why.

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Why this is only possible here

Nothing about this is clever. It is just what happens when the rater and the book are one system.

Renewal queueLakeshore Insurance Group
3 policies
M. AlvarezAUT-4471-88Sep 15, 2026$1,417.50$968.25↓ Save $449.25Re-shop ready
R. WhitfieldAUT-4502-13Oct 02, 2026$1,284.00$1,284.00→ No change $0.00Renewal due
D. OkaforHOM-2210-07Oct 21, 2026$968.25$1,052.40↑ Increase $84.15Review required
  1. The book

    The book is already in the system.

    Every policy, term, premium, and coverage, kept current by carrier download.

  2. The rater

    The rater is already connected to it.

    Same record, same appointments, same carriers you write today.

  3. The list

    So the list writes itself.

    Renewals ranked by how much is on the table, with the reason attached to each one.

No export. No spreadsheet. No producer remembering to check.

Renewals and retention

Renewal outreach that goes out on time

Renewal workflows start with the policy's date and the work that needs to happen before it. The record gives the producer a list early enough to have a conversation before the customer has already shopped elsewhere.

Renewals and retention

The first sign of a lapse should not be the cancellation notice

Payment reminders go out ahead of the due date and escalate on the channels the customer actually answers. In non-standard auto, retention is mostly this. A policy that lapses over a declined card was never a coverage problem.

Renewals and retention

Know what left, and why

A retention view shows what is at risk, what renewed, what lapsed, and what moved to another carrier. See the pattern by producer and by book, while the reason is still attached to the policy.

Renewals and retention

Win back the book you already paid for

Lapsed and cancelled policies are the cheapest leads in the agency, and they are already on the record. Bring the history back into view, so the next conversation starts with what happened rather than another blank form.

See it on your own book.

Bring a handful of your policies and a state you write in. We will walk through rating, the record, and the renewal list.

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