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This is what a renewal gap audit looks like for a 340-policy independent P&C agency. We built it from a standard AMS export. Your results take 60 seconds.

Fictional agency data. Real audit logic. Powered by Claude AI.

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Sample Audit Output

Renewal Gap Audit — 90-Day Window

Lakewood Insurance Group

Columbus, Ohio
AMS Platform
EZLynx
Audit Window
Next 90 days
Report Generated
—
Audit Report
Policies Renewing
87
in next 90 days
Annual Premium at Risk
$214,300
aggregate renewal value
Cross-Sell Gaps
31
single-product households
Elevated Lapse Risk
12–16
accounts (estimated)

Breakdown by Segment

Segment Count Premium at Risk
Personal Auto34$61,200
Homeowners28$74,400
Commercial Property14$58,900
Business Owner Policy8$12,800
Umbrella3$7,000
Total87$214,300

Key Findings

1
31 single-product households identified with no companion policy on file. Top opportunity: 18 auto-only accounts with no homeowners policy.
2
14 accounts have had no producer contact logged in the past 12 months and are renewing in the next 45 days. These represent $41,200 in premium and carry the highest lapse probability.
Outreach Sequence

This is what goes out to your clients. Written by AI. Sounds like your best producer.

Sarah M.
Personal Auto + Homeowners
90-Day Email
Subject Your policies renew in 90 days, a quick note from Lakewood
Hi Sarah, I wanted to reach out ahead of your auto and homeowners renewals coming up on [renewal date]. As your agency, we review every policy before renewal to make sure your coverage still fits your situation. If anything has changed at home this year, including any renovations, a new vehicle, or changes to how you use your car, it is worth a quick conversation before the renewal date. No action needed right now. We just want to make sure you are covered the way you should be. Feel free to reply here or call me directly at the number below. Talk soon, James Whitfield Lakewood Insurance Group (614) 555-0192
Rivera Family LLC
Commercial Property
30-Day Email
Subject Your commercial policy renews in 30 days
Hi Marcus, Your commercial property policy with Lakewood renews in 30 days. Before it rolls over, I want to make sure the coverage limits still reflect your current operation. If you have added equipment, taken on new square footage, or hired additional staff since last year, your current policy may not fully cover what you have built. I would like 15 minutes before the renewal date to walk through it with you. You can grab a time on my calendar here or just reply to this email. Best, James Whitfield Lakewood Insurance Group (614) 555-0192
Thomas B.
Homeowners
7-Day SMS
Hi Thomas, quick reminder from Lakewood Insurance: your homeowners policy renews in 7 days. No action needed if everything looks good. Questions? Call or text James at (614) 555-0192.

Messages are generated individually for each client using policy type, renewal date, coverage details, and producer information from your AMS export.

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