Renewal Agent

The Renewal Agent auto-shops policies at renewal and generates client-facing renewal proposals.

How It Works

On your configured schedule (e.g., 60 days before expiration):

1. Agent Identifies Expiring Policies — Queries renewal pipeline
2. Shops All Carriers — Requests comparative quotes from appointed carriers
3. Ranks Top Option — Uses Quoting Agent to select best fit
4. Generates Proposal — Creates branded renewal packet with your logo
5. Notifies You — Sends email: "Renewal ready for review"
6. Optional: Send to Client — If enabled, emails proposal directly to client

Configuration

Go to Settings > Agents > Renewal Agent:

| Setting | Default | Options | |---------|---------|---------| | Enabled | Yes | Yes/No | | Shop X Days Before | 60 | 30, 45, 60, 90, 120 | | Action | Notify Only | Notify Only / Draft for Approval / Auto-Send | | Proposal Template | Default | Your custom templates | | Retry Failed Carriers | Yes | Yes/No (retry if carrier times out) |

Workflow Examples

Example 1: Notify Only (Safest)

1. Agent shops 60 days before renewal
2. Sends you email: "Ready to review renewal for [Client]"
3. You review quotes, select carrier, send proposal
4. Agent learns which carriers you picked

Best for: Building confidence in agent, active oversight

Example 2: Draft for Approval

1. Agent shops 60 days before
2. Generates proposal draft
3. Sends you email: "Renewal proposal ready — approve to send to client?"
4. You review, approve/deny
5. If approved, agent sends proposal to client

Best for: Balancing automation with control

Example 3: Auto-Send

1. Agent shops 60 days before
2. Generates proposal
3. Emails proposal to client directly
4. Sends you notification: "Renewal sent to [Client]"
5. You monitor responses

Best for: High-volume operations, mature workflows

Customizing Renewal Proposals

The agent uses your Renewal Proposal Template:

1. Go to Settings > Templates > Renewal Proposal
2. Customize:
   • Greeting (e.g., "Dear John, it's time to renew your homeowners policy")
   • Call-to-Action (e.g., "Call by [date] to bind")
   • Comparison Table (show all carriers or top 3)
   • Footer (your contact, payment instructions)

Renewal Agent Limitations

The agent cannot:

• Bind policies (requires your approval + paperwork)
• Handle complex underwriting (agent escalates to you)
• Make coverage recommendations (shows options; you decide)

Monitoring Renewal Agent

1. Go to Analytics > Agent Health > Renewal Agent
2. View:
   • Renewals Shopped — How many renewals processed
   • Avg Response Time — 30–60 seconds typical
   • Approval Rate — % of proposals you approved
   • Errors — Any failed shopping attempts

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Next: Learn about Client Service Agent and Retention Agent.