Insurance: Plan around the switch window

Stop renting price-comparison clicks. Capture permission, segment by life stage and renewal cycle, and deliver timely outreach that wins the policy before the window opens.

The challenge

Insurers rely on expensive CPCs and price-led platforms that erode margin and weaken brand relationships. Renewal dates are elusive, making it hard to contact customers at the critical moment.

Margin and timing pressure
  • Price-driven platforms drive up acquisition cost and commoditize offers.
  • Renewal windows are hard to pinpoint without owned signals.
  • Brand equity is diluted when outreach depends on third-party algorithms.
Fragmented contactability
  • Generic awareness campaigns rarely convert to permissioned engagement.
  • Without consented channels, reminders and offers miss the decision window.
  • Churn rises when touchpoints aren’t tailored to life stage or risk profile.

How Cohora solves it

Turn generic campaigns into permissioned relationships. With owned first‑party data, segment by life stage, renewal cycle, or risk profile and deliver personalised touchpoints that reduce churn and build trust.

Build the owned pipeline
  • Capture consent for direct messaging across email, SMS, voice, and post.
  • Enrich records with renewal intent, coverage needs, and household signals.
  • Maintain compliance and trust with auditable consent metadata.
Win the switch moment
  • Deliver reminders and offers ahead of renewal instead of bidding for clicks.
  • Personalize based on life events and risk profiles to increase conversion.
  • Reduce churn with proactive outreach rather than reactive discounts.
Move past chasing renewal dates

Owning first‑party permission means every reminder, offer, and policy update reaches customers with relevance at the critical time—without overpaying for commoditized clicks.

Quick wins to launch now
  • “Remind me before renewal” captures across auto, home, and life lines.
  • Lifecycle education flows that build trust well before switching.
  • Multi-channel outreach (email, SMS, post, voice) from a single consented record.

Start driving value from your CRM and outreach activity.