Price comparison sites made switching frictionless. Loyalty changes the calculation.

Claims-free bonuses and renewal incentives are triggered by policy events rather than calendar rules. When a policy reaches its renewal date, the loyalty engine checks the policyholder's claims history for the policy year against your configured criteria: no claims, no at-fault claims, or claims below a threshold value. If the criteria are met, the configured reward is issued automatically without manual intervention. The renewal communication includes the reward detail, making the loyalty benefit explicit at the moment the policyholder decides whether to renew.

Yes. We integrate with telematics SDKs embedded in your policyholder mobile app, or with third-party telematics platforms via API. Common integrations include Cambridge Mobile Telematics (DriveWell SDK) for in-app telematics, Aculink for hardware-based OBD telematics, Arity for data analytics-based scoring, and LexisNexis telematics services. The scoring formula, including weightings per behaviour category and minimum trip count for score validity, is configured during the build.

Insurance loyalty programs in most markets are treated as a marketing activity, but the reward structure must be designed carefully. Rewards that amount to a premium discount must be disclosed correctly in product documentation. Wellness incentives affecting underwriting data need to be handled consistently with data collection consents. Agent incentive programs must comply with conduct regulations around inducements. We design loyalty mechanics with your compliance team involved from the outset.

Insurance is one vertical where retention incentives carry a regulatory constraint. NAIC anti-rebating rules restrict what you can give outside the policy: cash incentives, gift cards, and unrelated discounts are constrained in ways they are not in retail. What remains available: value-added services relating to the insurance relationship (risk mitigation tools, monitoring devices, education), underwriting-justified discounts (multi-policy, safe-driver, loss-free), service improvements. Rules vary by state and interpretations shift, so any retention program offering non-policy value needs compliance review before launch, not after.

Start with service improvements: they are unconstrained by anti-rebating rules and arguably the highest-return retention investment. Design the program around known-life-moment nudges (cover reviews, lapse flags), not generic offers. The canonical example is John Hancock Vitality: behavior points redeemable for rewards versus underwriting-justified premium discounts by status tier. But Vitality is tied to life-insurance underwriting-adjacent behavior; the design must match your line's loss drivers, not theirs.

The incremental-revenue rule: never claim total member revenue. The keyword is incremental: what portion is attributable to the program. The cleanest proof is a control group of non-members. The virtuous-cycle economics: the insurer takes a percentage of the value created by longer customer lifetimes and returns it as rewards. Reward liability (points are a financial obligation) must be modeled from launch, not retrospectively.