PolicyPulse
Know Which Clients Are About to Lapse Before They Do
AI-powered risk scoring for life insurance agents. Get a 0-10 risk score for every policy in your book so you know exactly who to call this week to save your commissions.
Join 000+ agents on the waitlist
Free during beta. No credit card required.
Chargebacks are killing your income.
The average life insurance agent loses $15,000–$40,000 per year to chargebacks and lapses
Most agents find out a policy is about to lapse only after the client stops paying — by then it's too late
You have no way of knowing which clients in your book are high risk without manually reviewing every single one
PolicyPulse gives every policy a risk score.
Our AI analyzes 8 key data points about each policy — including age of policy, payment method, payment history, days since last contact, policy type, and more — and outputs a precise risk score from 0.00 to 10.00 based on real actuarial statistics.
AI Risk Scores
Every policy gets a score like 3.47 or 8.92 based on real industry data about when policies lapse
Daily Call List
See your top 10 highest risk clients every morning so you know exactly who to call first
Book of Business Dashboard
See your entire book at a glance with color coded risk levels — green, yellow, orange, red
Risk Explained
For every high risk policy the AI explains exactly why the score is high so you know what to say on the call
Three steps to protect your commissions.
Enter your book of business
Add your policies manually or import from a spreadsheet. Name, policy type, carrier, start date, payment info, last contact date.
AI calculates risk scores
Our engine analyzes each policy against real actuarial data and assigns a precise risk score from 0.00 to 10.00.
Work your daily call list
Every morning see which clients need a call today ranked by risk score. Log the call and watch the score update.
What goes into the score?
8 data-driven factors, weighted by their real-world impact on policy retention.
Policies under 12 months have 3x higher chargeback rates
Bank draft clients lapse 60% less than direct bill clients
One missed payment increases lapse risk by 40%
Clients not contacted in 90+ days are 2x more likely to cancel
Final expense policies lapse at 4x the rate of whole life
Premiums over 6% of income dramatically increase lapse risk
Multi-policy clients cancel 70% less often
Reviewed clients retain at higher rates
Built for agents who hate losing commissions
“I lost $28,000 in chargebacks last year. If I had known which policies were at risk, I could have saved at least half of that with a simple phone call.”
Marcus Johnson
Independent Life Insurance Agent, Dallas TX
“I spend hours every week going through my book trying to figure out who might lapse. Having an AI do this automatically and tell me exactly who to call would be a game changer.”
Sarah Chen
Senior Agent, Pacific Life Partners
“The agents who retain the most business are the ones who stay in touch with their clients. But with 400+ policies, you can't call everyone. You need to know who needs you most.”
David Williams
Agency Manager, 15 years in the industry
000 agents on the waitlist