AI for life-insurance portfolios

Unlock hidden value in life insurance.

The industry loses $1.4 trillion and 5.4M policies every year. Inshurik's AI engines help carriers keep them — and grow them.

Book a 20‑min demo Start a pilot

Backed by SOA/LIMRA research

The problem

The $1.4 trillion problem.

Industry data reveals massive value destruction. We turn it around.

$0T

industry exposure

0%

average lapse rate

$0T

face value lost to lapses

0M

policies lapsed annually

0M

policy‑years at risk

27–96%

shock lapse at term end

SOA/LIMRA term & whole-life lapse studies · post-level term experience · AAA VM-20 PBR practice note

The platform

Four engines. One mission.

Each module attacks a different profit leak. Together, they transform your portfolio.

01

AIQA Engine

Reads every customer signal. Finds patterns humans miss.

  • Real-time data processing
  • Historical pattern analysis
  • Actionable insights
02

Retention Engine

Predicts who will leave. Stops them before they do.

  • Predictive lapse modeling
  • Automated interventions
  • Personal retention paths
03

Revenue Multiplier

Turns one policy into many. Revenue multiplies.

  • Opportunity identification
  • Guided selling workflows
  • Revenue optimization
04

AI Agent Platform

Autonomous agents that work while you sleep.

  • Self-running AI agents
  • Advanced decision making
  • Infinite scalability

The advantage

Turn industry averages into your advantage.

3–5pp

Lapse reduction

Below the industry's 11.2% average — targeting first-year and shock-lapse windows.

20–30%

Reserve optimization

Faster capital release via VM-20 — dynamic modeling improves release timing.

30–50%

Shock-lapse recovery

Retention at the critical term-end — converts high-risk lapses into revenue.

For every $1B in face value, a 1% lapse improvement = $10M retained.

The AI workforce

Your tireless insurance workforce.

Autonomous agents that work every hour, on every channel — and never take a break.

Human-like calls

Natural conversations customers can't tell apart.

Always on

Nights, weekends, holidays — 24/7.

Every channel

Voice, chat, email, SMS, WhatsApp.

Live analytics

See every conversation instantly.

0%

policy renewal rate

0%

claims-follow-up satisfaction

0%

cross-sell conversion

The process

Three steps to transform.

  1. 01

    Connect your data

    Secure integration in minutes. Your data never leaves your control.

  2. 02

    AI finds opportunities

    Our engines scan every policy to find every hidden dollar.

  3. 03

    Engage and capture

    Personalized outreach that works. Watch retained value grow.

Partner with us

Start with a pilot. Prove the value.

Test on a small segment and see results before you commit. Bank-level security; your data stays under your control.

Under $100M $100M – $500M $500M – $1B Over $1B
Book a 20‑min demo Start a pilot