VERTICAL SYSTEM · INSURANCE BROKERS
Which policies expire in the next 90 days — and which are already being worked on?
In insurance, a lost renewal does not announce itself: it simply does not happen. Insura marks every policy at D-90, D-60, D-30 and D-7 and shows what is still untouched. Below, a preview with illustrative data.
Beavy|Insura
RenewalsBookCommissionsClaims
Active policies1.284
Expiring in 90 days96 · 11 with no contact
Commission receivableR$ 74.310
Open claims7
RENEWAL CADENCE · WHERE EACH ONE STANDS
D-90Motor — 31 policies · first touch sent31
D-60Motor and Home — 28 policies · quote in progress28
D-30Commercial — 26 policies · 4 awaiting the client's reply26
D-7Life — 11 policies · no contact on record11
EXPIRED2 policies passed their end date without renewal2
The cadence is idempotent: it runs every day and never marks the same policy twice. What shows up in red is what nobody has touched.
ANOMALIES IN THE BOOK
LOSS RATIOClient Andrade Transportes: 3 claims in 14 months on the same fleetlook
COMMISSIONInsurer's file reconciled: 212 of 218 instalments matched6 left over
CLAWBACKPolicy 8841 cancelled — commission clawed back automaticallyok
CLAIMPolice report read by OCR: date, plate and report number match the policyok
ISSUINGProposal 2291 became a policy with 12 instalments and billing openedok
ASK BEAVY
Who in my book have I not touched in over a year?
147 policyholders, adding up to R$ 512k in annual premium. Of those, 39 have a policy expiring in the next 120 days — that is where I would start.