Lapse-risk prediction
Scores each upcoming renewal by real risk, read from payment history, engagement patterns and past renewal behaviour.
Motor - Sharma family68% risk
Health - Iyer, R.34% risk
Term life - Menon, A.6% risk
AI CRMBuilt for insurance agents & brokers
Know which renewals are at risk before the policy lapses - not after.
RESPADE tracks every policyholder, ranks renewals by real lapse risk, and surfaces coverage gaps worth a conversation - so nothing slips through a spreadsheet or a forgotten follow-up.
3 renewalsat high lapse risk this week
2 coverage gapsworth a call, surfaced
On timeevery reminder sent
On track Moderate risk High lapse risk
Renewals ranked by real risk Coverage gaps surfaced Reminders on time, every time
The quiet way books shrink
Good agents don't lose renewals to competitors. They lose them to a missed follow-up.
01
A renewal reminder goes out too late, and the policy lapses before the client even replies.
02
A family's policies live across three different files, so no one ever sees the full picture.
03
A motor policyholder who clearly needs health cover never gets asked - because no one flagged it.
How RESPADE works
Four stages, built around the policy lifecycle
Insurance runs on a cycle - renewals, claims and check-ins all happen on a calendar. RESPADE is built around that rhythm, not a flat list of contacts.
Track
Every policyholder, policy and dependent in one profile - not scattered across files and spreadsheets.
Predict
AI flags which renewals are actually at risk of lapsing, ranked by urgency rather than by date.
Suggest
Coverage gaps and life-stage triggers surfaced as real cross-sell conversations worth having.
Follow through
Claims tracked to settlement, renewal reminders sent on time - every policy, every time.
What the AI actually does
Not just a renewal calendar - four specific things it works out for you
Every capability is grounded in the data already sitting in your book. No blanket prompts, no guesswork.
Coverage-gap detection
Analyses a client's policy mix and flags what's genuinely missing - not a blanket upsell prompt sent to everyone.
Has: Motor, Home Health gap
Has: Term life Personal accident gap
Life-stage trigger detection
Surfaces the right moment to reach out - a new dependent, a new vehicle - not just a nudge on a fixed schedule.
New vehicle addedReach out now
New dependent on health planReview cover
Explainable lead scoring
Ranks new inquiries with the reasoning shown, so you trust the priority order instead of guessing at a black box.
Inquiry - health, family of 4Score 88
Why: quote requested, revisited pricing twice
Built for two kinds of books
Whether you carry the book yourself or run a team that shares it
Independent Agents
Explore for agents One clear view of your whole book
Every policyholder, renewal and follow-up in one place - so nothing slips, even when it's just you carrying the book.
Brokerages & Agencies
Explore for brokerages Team-wide visibility on every renewal
Shared client records, agency-level renewal performance and lapse-rate visibility across the whole team.
What changes with RESPADE
The difference is in what stops slipping
Ranked
renewals by real lapse risk, not just by the date they fall due
Surfaced
coverage gaps worth a conversation, instead of guessed at
On time
every renewal reminder and every claim update, without the manual chase
Framed as capabilities rather than figures - real usage data will be published here as it matures.