A 2-wave retention playbook for policies renewing in about 60 days: a card 60 days out and a second 30 days out, before competitors send their quote.
Start FreeMost book-of-business shrinkage happens 30–60 days before the policy renews, when the customer fields a competitor's quote. By the time you mail the renewal letter at day 14, they've already shopped. The agencies that hold their book mail at day 60 with a relationship message (not a price quote) and follow up by phone about 5 business days after delivery (the default; you can set 1 to 10).
Renewal Retention: 2 waves 60 and 30 days before renewal
"Your [auto/home/life] policy renews in 60 days. Quick check-in to make sure your coverage still fits." Soft, relationship-driven. QR to a coverage-review form.
CSR pre-loaded review scripts. Coverage gaps, life changes, multi-line bundling opportunities. Each call logs an outcome.
Single-line clients: bundling offer. Multi-line clients: thanks-for-loyalty card with referral incentive. Different message based on what they have.
Wave timing, copy direction and CSR scripts pre-configured.
Pull from Applied Epic, Vertafore AMS360, EZLynx, HawkSoft, NowCerts, or AgencyZoom with policy type, renewal date, premium, and contact info.
No bulk drops: mail is paced by your daily sending limit. Launch a new campaign for each batch of upcoming renewals.
Pre-loaded scripts for renewal review, multi-line cross-sell, and life-event check-ins. Each call logs an outcome.
A typical independent agency with 1,500 active policies, 86% baseline retention, $1,200 average premium. Here's the math on a 2-wave program (rolling, all year):
43:1 ROI annually, and the retained policies compound year-over-year.
Run your own numbers in the ROI calculator.
Free to explore. You only pay when you're ready to send. 30-day money-back guarantee on your first annual plan.
Single-wave postcard campaigns · Unlimited contacts · From $1.04/piece
Everything in Free + calls, sequencing · From $0.91/piece
Per-piece pricing includes printing + USPS First-Class postage. Full pricing details →
Drop in your branding, photo, and offer. The Design Studio handles the rest.
Try the Design Studio →Renewal retention is the highest-leverage agency campaign, but PostKnock also runs multi-line cross-sell, new-mover acquisition, and lapsed-quote follow-up. See the full lineup on the insurance hub.
See all Insurance campaigns →60 days before the policy expires. That window catches customers before they shop. Mailings 14 days out are too late because most have already gotten a competing quote. Import the policies that renew in about 60 days and launch (or schedule the launch) so the card arrives then.
Yes: most carriers prohibit specific rate quotes on uncontrolled mail and many state insurance departments regulate "switch and save" claims. PostKnock templates focus on review/relationship messages and compliant offers (free policy review, multi-line bundling inquiry). Always confirm copy with your compliance officer or carrier rep.
3–7 percentage points across most independent agencies. The variance comes from baseline retention (an agency at 95% has less room to move than one at 82%) and from how well CSRs work the call queue. The math works at any starting baseline.
Applied Epic, Vertafore AMS360, EZLynx, HawkSoft, NowCerts, and AgencyZoom all support CSV export with policy type, renewal date, premium, and contact info. PostKnock's import wizard auto-maps the columns.
Yes. Auto-renewal cards use different copy than home or life. PostKnock supports separate campaigns per line, so filter each export by renewal date before you import it. Most agencies start with auto + home, then layer in life and umbrella.
Stop losing renewals to competitors who reached out first. Start the cadence that lands before they shop.
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