AM
Renewal dueAnil Mehta
POL-83417 · Motor · Expires in 21 days
For insurance renewal & policy servicing teams
Track every policy expiry, reminder, follow-up, and lapse risk in one workspace.
The Cogover platform manages policy expiries, renewal cases, reminder sequences, callbacks, payment follow-ups, lapse-risk escalations, QA notes, agent workload, and renewal reporting on one connected operating layer.
Call · WhatsApp · SMS · email · motor, health & life renewals
Call Anil before Friday
Owner S. Iyer
Payment unpaid → lapse risk
Supervisor review
Where it runsRenewal remindersPayment follow-upLapse preventionPolicy servicingRenewal reporting
Follow one expiring policy
A policy is 30 days from expiry. What happens next?
From expiry alert to renewal case, reminder sequence, payment follow-up, lapse-risk escalation, QA, and renewal report, every step stays connected. Tap through the six steps and watch the screen change.
Policyholder timeline
Policyholder timelineExpiring soon
AM
Anil Mehta
POL-83417 · Motor comprehensive
ChannelWhatsApp + Call
Expiry date18 Aug · 21 days
Premium₹14,200
OwnerS. Iyer
Last updateT-30 reminder sent
Why renewal operations break
A policy shouldn't lapse between spreadsheets, reminder lists, agents, and month-end reports.
Expiry data is scattered
Policy details, past reminders, call notes, and payment status live in different systems and Excel sheets.
Reminders are missed
Renewal calls rely on memory or manual lists, so the T-30, T-15, and T-7 touchpoints slip.
Lapse risk shows late
Team leaders discover unpaid renewals after the grace period, when the policy has already lapsed.
Reporting is manual
Teams reconcile renewal rates, lapse counts, collections, and agent activity by hand at month-end.
For your team
What each role actually sees
Renewal queue
Due today14
Callbacks5
NextCall POL-83417
Knows the next reminder and payment follow-up for every policy before each call.
Lapse risk & workload
Lapse risk23
Escalations7
Workload84%
Reassigns expiring policies before the grace period runs out.
Call review
QA score88%
Needs review9
Disclosures2 flagged
Connects mandatory disclosures and script checks to the real renewal call.
Book health
Due 30 days642
Renewal rate81%
Lapsed MTD37
Compares renewal performance by product line, branch, and team.
Renewal report
Persistency86%
Premium MTD₹2.4 Cr
QA score88%
Explains renewal and persistency numbers with live evidence, not month-end reconciliation.
Before & after
From reminder spreadsheets to controlled renewal operations
Manual operation
Expiry lists exported to Excel and split across agents by hand
Agents rely on memory for reminder calls and payment follow-ups
Supervisors discover lapse risk after the grace period
QA is disconnected and renewal reporting is manual
Controlled operation
One timeline per policyholder, with every policy and touchpoint
Every expiring policy has an owner, reminder sequence, and next action
Supervisors see lapse risk while there is still time to act
QA connects to renewal calls and reporting is live
One platform
The parts that run the renewal book
One view, every policy
Profile, active policies, expiry dates, past reminders, payment status, and next action.
Expiries become work
Owner, due date, reminder sequence, callbacks, and links to every conversation.
Risk before lapse
Grace-period timers, unpaid renewals, high-value policies, and escalation queues.
Track every rupee
Payment links, promises to pay, failed transactions, and partial payments as next actions.
Quality, on the call
Call summaries, mandatory disclosures, script adherence, QA scores, and coaching notes.
Report with evidence
Renewal rate, persistency, lapse volume, premium collected, and QA by product, branch, or team.
Start small
Start with one renewal book, then scale across products
You don't need to change the whole operation on day one. Begin with motor or health renewals due in the next 60 days, and grow from there.
01
Map the workflow
Pick one real book: motor, health, or life renewals due in the next 60 days.
02
Configure records
Set up policyholders, policies, renewal cases, reminder rules, and queues.
03
Launch one team
Run one pilot. Measure renewal rate, lapse count, collections, and QA.
04
Scale the blueprint
Reuse it across product lines, branches, teams, and partner channels.
FAQ
Questions teams ask
Book a workflow demo
See your renewal book running in Cogover.
Bring one real workflow from your floor: an expiring policy, a reminder sequence, a payment follow-up, or a lapse escalation. We'll configure it and run it live.
- Captures the expiry and creates the renewal case
- Applies context, then triggers the reminder sequence
- Assigns ownership and tracks payment automatically
- Gives managers live visibility of lapse risk
Request your tailored demo
A solutions expert will configure the system around one of your real processes.
