Life insurance persistency, measured honestly

A policy can show active at the carrier while its drafts are failing, right up until the grace period ends. A persistency number built on status looks fine until the lapses arrive at once.

Illustrative example: an agent places 40 policies in a quarter. At month six, 36 still show active, so status-based persistency reads 90%. Payment records show only 31 of them have paid every month, which is 78%. The 5 in between are where the saves are.

The persistency card on the Finance page counts policies still paying at 3, 6 and 12 months from the payment records in your book. When a policy has too little payment history, it is shown as unknown with a confidence label instead of being counted as a lapse.

• Owners and managers can switch between their whole team and a single agent.
• A cohort view follows each month of business by policy status through its first 13 months.
• How every number is built is written out on the methodology page.

• The first draft. Many early lapses never make a second payment.
• Matching the draft date to the day the client is paid.
• A real follow-up in the first 90 days, not just a thank-you.

See what your own book would show before you pay anything: the free at-risk scan reads one carrier export in your browser, and nothing is uploaded. Pricing, the back office and how we measure every number are linked below.