PGP Live
POLICY LAPSE RATE (INDUSTRY) 18.4% ▼ 2.1%
AVG CHARGEBACK RATE 12.7% ▼ 1.3%
PGP RECOVERY RATE 87% ▲ 3.2%
POLICIES PROTECTED THIS MONTH +2,841
AVG CLIENT ROI 3.2×
TIME TO FIRST CAMPAIGN 72 HRS
INDUSTRY LAPSE RATE (AIL) 22.1% 
PGP CLIENT AVG LAPSE RATE 8.9% ▲ vs industry
POLICY LAPSE RATE (INDUSTRY) 18.4% ▼ 2.1%
AVG CHARGEBACK RATE 12.7% ▼ 1.3%
PGP RECOVERY RATE 87% ▲ 3.2%
POLICIES PROTECTED THIS MONTH +2,841
AVG CLIENT ROI 3.2×
TIME TO FIRST CAMPAIGN 72 HRS
INDUSTRY LAPSE RATE (AIL) 22.1% 
PGP CLIENT AVG LAPSE RATE 8.9% ▲ vs industry
Insurance Retention Intelligence
Life Insurance · Independent Agents · IMOs · Agencies
Introducing PolicyGuard Pro

The done-for-you retention system built for life insurance agencies.

We recover lapsing policies, reinstate cancelled coverage, and protect your book of business — automatically, every day, while you focus on selling.

Key Performance Indicators
Average policy recovery rate
87%
Industry average lapse rate
18.4%
Client ROI on retention spend
3.2×
Time to first campaign live
72hrs
Setup fee
$0
01

Your book is leaking. Every single day.

Life insurance agencies lose 15–30% of their policies annually to lapse, cancellation, and missed payments. Most never get them back — not because clients don't want coverage, but because nobody followed up.

18%
Industry avg. annual lapse rate
Nearly 1 in 5 policies you write will lapse without a systematic retention effort in place.
$0
Revenue from a lapsed policy
A lapsed policy generates no commission, triggers chargebacks, and hurts your persistency score with carriers.
72%
Clients who lapse due to no contact
Most clients don't want to cancel — they just miss a payment or forget. One follow-up often saves the policy.
1yr
Chargeback window
Any policy that cancels in year one doesn't just stop paying — it takes back commission you already earned.
"We were so focused on new business that we didn't see how much was falling out the back. By the time we looked, we'd lost six figures in annual premium."
— Independent Agency Owner, Dallas TX
02

Three steps. Zero guesswork.

We plug into your existing operation and run the entire retention process — from identifying at-risk policies to getting them reinstated — without adding work to your plate.

01
We identify at-risk policies
We analyze your policy data, score accounts by lapse risk, and segment by priority — missed payments, upcoming renewals, and cancelled policies eligible for reinstatement.
Policy Analysis Risk Scoring Segmentation
02
We run AI-powered multi-channel outreach
Personalized SMS, email sequences, and ringless voicemail campaigns go out automatically. Warm replies get routed to your team at exactly the right moment.
SMS Campaigns Email Sequences Ringless VM Live Routing
03
We recover policies and report results
Recovered policies get reinstated. You receive a clear weekly report showing revenue retained, policies saved, and what's still in the pipeline.
Reinstatement Weekly Reports Revenue Tracking
03

Built for the independent insurance world.

Enterprise retention software starts at $50,000/year and requires a dedicated team. We built PolicyGuard Pro for everyone else — and made it work out of the box.

🏛️
IMOs & FMOs
Marketing Organizations
Deploy retention infrastructure across your entire agent network without building a retention team.
  • Network-wide monitoring
  • Agent-level dashboards
  • Volume pricing available
  • White-label option
👤
Independent Agents
Solo Producers
Get a fully managed retention system that runs while you focus on writing new business.
  • Done-for-you campaigns
  • No technical setup
  • Live within 72 hours
  • Cancel anytime
🏢
Small–Medium Agencies
2–50 Agent Teams
Give your team a retention advantage without building a retention department.
  • Team performance tracking
  • Custom campaign sequences
  • CRM integration support
  • Dedicated account manager
04

Numbers that matter.

Every metric connects directly to revenue retained and policies saved — not vanity engagement numbers.

87%
Avg. Contact Rate
Multi-channel sequences reach clients single-channel outreach misses.
3.2×
ROI on Retention Spend
For every dollar spent, clients recover an average of $3.20 in retained premium.
72hr
Time to First Campaign
First campaign live within 72 hours of signing. No tech team needed.
40%
Chargeback Reduction
Early intervention catches at-risk policies before the chargeback window.
$0
Setup Fee
No upfront cost. No long-term contracts. We earn your business every month.
24/7
Campaign Monitoring
Campaigns run around the clock. Hot leads routed to your team in real time.
05

Simple pricing. No surprises.

Flat monthly retainer. No setup fees. No per-policy charges. Cancel anytime.

Compare Plans
Tier 01
Solo Agent
$997
per month
Tier 03
IMO / Network
Custom
volume pricing
Policies monitored
Up to 500
Unlimited
SMS campaigns
Email sequences
Ringless voicemail drops
Live call routing
Dedicated account manager
CRM integration support
White-label option
Agent-level dashboards
Onboarding time
72 hours
Custom
Contract
Month-to-month
Flexible
No setup fees on any plan.

Ready to stop
the leak?

Get a free 30-minute strategy call. We'll audit your retention situation and show you exactly what we'd do differently.

Live within 72 hours
First campaign goes out within 3 business days of signing.
🔒
No long-term commitment
Month-to-month on all plans. We keep your business by performing.
📊
Full transparency
Weekly reports showing what was sent, who responded, and what was recovered.

🔒 No spam. No pressure. Just a straight conversation about your book.

You're booked.

We'll reach out within 24 hours to confirm your call time.
Check your email for confirmation.