Renewals ranked by real risk of lapsing
A date-sorted list treats every renewal the same. RESPADE scores each one by how likely it is to actually lapse - so the renewals that need a call rise to the top, and the safe ones don't waste your day.
Motor - Sharma family · renews in 4 days. Scored high on a missed premium last cycle and no reminder opens.
The signals behind a lapse-risk score
The score is read from the history already sitting in your book. Each renewal is weighed on several signals rather than a single rule of thumb.
On-time, late or missed premiums across previous cycles.
Whether the client opens reminders, replies, and picks up calls.
How past renewals went - early, last-minute, or lapsed then reinstated.
Premium size, tenure and whether auto-pay is switched on.
Lapse-risk scoring is a ranking aid, not a guarantee. It orders your renewals by likelihood so attention goes where it counts - and it sharpens as more of your book's renewal history flows through it.
To: Sharma household · Motor renewal
Hello, your comprehensive motor cover is due for renewal in 4 days. To keep protection unbroken, it's best to renew before the due date. Reply here and I'll take care of it, or confirm if you'd like the same cover carried forward.
- Your RESPADE agent
High-risk renewals get an earlier, firmer nudge; safe ones get a light touch closer to the date.
If a reminder goes unanswered, the renewal is flagged for a personal follow-up before it lapses.
From a flat calendar to a ranked worklist
Worst risk, worked first
The renewals most likely to lapse sit at the top of the list every morning.
Reminders on the right day
Send cadence follows urgency, not a single fixed rule applied to everyone.
Nothing waits on memory
Silent renewals escalate on their own, so a quiet client isn't a lost one.
See which of your renewals are actually at risk this month.
Bring your book in and RESPADE ranks your upcoming renewals by real lapse risk from day one.