Industry Solution
Stop losing policyholders you could have kept.
ACCELERAID gives insurers churn propensity scoring 90+ days before renewal and next-best-policy recommendations — from one platform trained on your own portfolio data.
90+ days
Early warning before renewal
+15%
Conversion uplift
6–9 mo
Time to ROI
250+
Enterprise projects
In production at Wifo Broker Pool
Hosted in Frankfurt (ISO 27001)
GDPR by design, aligned with BSI IT-Grundschutz
Models trained on your own portfolio data
The Challenge
Why insurers keep losing renewals they should have won
Policy systems, claims platforms, broker portals and digital channels generate vast amounts of customer data — but most insurers only act at renewal, long after the customer has already decided to leave.
Acting Too Late on Churn Signals
Renewal notices arrive weeks before lapse, but churn intent forms months earlier — in claims frequency changes, premium sensitivity and competitor searches. Without early-warning scoring, retention campaigns land too late to shift the outcome.
Broker Channel Blind Spots
Intermediaries and broker pools operate outside the insurer’s direct CRM. Without structured data exchange, scored policyholder insights and portfolio analytics, broker-originated books consistently underperform on renewal rates and cross-sell conversion.
Fragmented customer data across policy systems, brokers and service
Policy systems, broker data and service channels each hold only part of the customer picture. Renewals, campaigns and advice become slower and less targeted as a result.
The Solution
Retain. Grow. Report.
Three integrated capabilities that close the loop from early churn signal to reporting — all running on the same governed data layer.
Retain
Churn propensity scoring 90+ days before renewal. ACCELERAID’s prediction engine analyses claims history, premium sensitivity, digital engagement and life-event signals to identify at-risk policyholders before they decide to leave — giving your retention teams enough runway to act.
Propensity model trained on your own portfolio data
Automated retention triggers at defined risk thresholds
Channel-aware delivery to broker, direct and digital
Grow
Next-Best-Policy recommendations and life-event triggered cross-sell. The NBA engine identifies which policyholder is ready for which product — health, life, liability, property — and surfaces the recommendation through the right channel at the right moment.
Next-Best-Policy scoring across your full product range
Life-event triggers: new address, new vehicle, family change
Multi-channel orchestration: broker portal, app, email, outbound
Report
Dashboards on renewals, campaigns and broker performance, data-quality scores per source and consent overview per channel — from the same data layer as your predictions.
Fully configurable dashboards for sales and management
Data-quality scores and warnings per data source
Consent overview per channel and audit-proof logging
Broker Channel
AI-scored insights delivered directly into the broker workflow
Broker pools and intermediaries carry a significant share of every insurer’s renewal book. ACCELERAID bridges the data gap between carrier and broker — equipping affiliated brokers with scored policyholder intelligence in their daily workflow.
Reference Deployment
Wifo Broker Pool
ACCELERAID is in production at Wifo, one of Germany’s leading broker pools. Wifo uses the platform to equip affiliated brokers with scored policyholder insights — renewal risks, cross-sell propensity and portfolio analytics — directly in their daily workflow.
Renewal Risk Scoring
Every policyholder in the affiliated broker’s book is scored for renewal risk 90+ days ahead of the contract date — surfaced in the broker’s daily task list.
Cross-Sell Propensity
Next-Best-Policy recommendations identify which policyholders are ready for additional cover — presented with propensity score and reasoning for broker outreach prioritisation.
Portfolio Analytics
Aggregate portfolio health metrics, lapse rate trends and segment performance give pool management and individual brokers a clear picture of book quality.
Portfolio Data Ingestion
Policy, claims, CRM and behavioural signals unified
↓
Churn & Cross-Sell Scoring
Models trained on your portfolio data, refreshed nightly
↓
Broker Workflow Integration
Scored insights pushed to broker portal and daily task list
↓
Renewal Retained · Policy Grown
Outcomes tracked back to model, loop closes automatically
Full Product Portfolio for Insurance
Everything you need — from policyholder data to the AI that acts on it.
Ten use cases across retention, growth, personalisation, customer service and reporting. All from one governed data platform — models trained on your portfolio, not generic benchmarks.
Churn Propensity & Retention
90+ day early warning before renewal — not at it. Nightly churn scores from claims patterns, premium sensitivity, complaint signals and digital engagement. Explainable by design, tiered by risk.
Portfolio-trained model, not generic benchmarks
Risk-tier segmentation for prioritised outreach
Automated retention journeys by channel preference
Next-Best-Policy & Cross-Sell
The right product, at the right moment, to the right policyholder — based on coverage gaps, life stage and purchase propensity. Delivered to brokers, advisors and digital channels with suggested messaging.
Health, life, liability, property, motor cross-sell
Renewal upsell: higher cover, riders, bundling
A/B-tested offer templates per product category
Life-Event Triggered Campaigns
Detect address changes, new vehicles, births and family changes from behavioural and third-party signals — then promptly trigger the right policy offer, before competitors react.
Address change → home contents & buildings offer
New vehicle → motor and GAP cover trigger
Family expansion → life and income protection
Personalised Landing Pages & Quoting
Dynamically personalised acquisition pages for new business — pre-filled with contextual product recommendations, personalised risk messaging and A/B-tested layouts. Higher quote completion, lower drop-off.
Real-time audience segmentation on arrival
Product pre-selection from propensity scores
A/B and multivariate testing built in — no dev required
AI Customer Service Assistant
PII-safe AI assistant for policy queries, claims status, coverage questions and FNOL guidance — available 24/7 across web, app and WhatsApp. Reduces call centre volume by 30–50% without replacing the advisor relationship.
FNOL guidance and claims status self-service
Policy document retrieval and FAQ deflection
Audit-proof logging of all interactions
Advisor Copilot & 360° Cockpit
Give advisors and broker reps a real-time 360° view of each policyholder — open risks, renewal timing, recommended actions, complaints history and CLV score — with AI-suggested talking points before every call.
Pre-call briefing with next-best-action & key facts
Renewal risk flag and recommended retention script
Post-call activity logging with compliance timestamp
Omnichannel Campaign Orchestration
Coordinate retention and cross-sell campaigns across email, push, SMS, app, web and call centre — with frequency capping, consent enforcement and channel-preference routing. Every touch is logged and attributable.
Channel-preference routing per policyholder segment
Frequency capping and suppression across all channels
Campaign attribution back to premium and CLV impact
Broker Portfolio Analytics & Cockpit
Broker pools and affiliated advisors get a real-time view of their entire book — renewal risk, cross-sell opportunity, lapse trends and segment performance — directly in their CRM or portal without needing a data team.
Per-broker and aggregate pool KPI dashboards
Renewal pipeline with risk weighting (live at Wifo)
Exportable reports for pool management & insurer oversight
Reporting & Data Governance
Dashboards, data-quality scores per source and consent reporting from the same data layer as your predictions — instead of manual data preparation for every analysis.
Dashboards for renewals and broker performance
Data-quality scores per data source
Consent reporting under GDPR
AI-Powered A/B Testing & Optimisation
Continuously optimise which messages, offers, channels and timings produce the highest renewal and conversion rates — using multi-armed bandit algorithms that shift traffic in real time without waiting for test cycles to end.
No-code variant builder for campaigns and landing pages
AI traffic allocation — top performers get more volume automatically
Lift measurement against renewal and premium KPIs
Compliance & Regulatory
Built for the regulatory framework of insurance
Insurance sits at the intersection of financial regulation, data protection law and AI governance. ACCELERAID is designed from the ground up to meet each framework — not retrofitted after the fact.
Compliance embedded in the platform — not bolted on
Every data pipeline, prediction model and reporting workflow is built with auditability, explainability and data residency as first-order requirements — so compliance teams can sign off on AI outputs without additional validation overhead.
GDPR by design
Data minimisation, consent management and PII protection are implemented by design. Hosted in an ISO 27001-certified data centre in Frankfurt; architecture aligned with BSI IT-Grundschutz.
EU AI Act Explainability
All scoring models produce explainable outputs — top contributing features and confidence. EU AI Act: explainable scoring models, no high-risk systems.
Regulatory Framework
Coverage at a glance
GDPR by design
Consent, PII protection, defined retention
By design
Explainable models (EU AI Act)
Explainable scoring models, no high-risk systems
Built in
Consent reporting
Opt-in rates per channel and GDPR score
Built-in
Hosted in Frankfurt
ISO 27001-certified data centre, aligned with BSI IT-Grundschutz
Standard
Blog
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