Insurance and field sales agents: renewals and premiums

Renewal is the whole business

An insurance book is worth what it renews. A missed renewal date is not an administrative slip, it is a lost client and a lost commission stream, and the reminder that prevents it has to arrive weeks early rather than on the day.

Setting the renewal as an appointment with a reminder ahead of the date turns a spreadsheet vigil into a phone that tells you when to call.

• Policy number, type and cover as custom fields
• Renewal date as an appointment with an early reminder
• Premium instalments with their own due dates
• Policy documents attached as PDFs
• Tags by product line or lead source

At a kitchen table with no signal

Field agents work in other people houses and offices, on other people networks or none. An app that will not open the client record without a connection is dead weight in exactly the meeting it was bought for.

In an agency team

The manager decides whether each agent sees the whole book or only their own clients, and whether a policy commission stays with the agent who wrote it after the client is reassigned. Exports follow the same visibility rule, so a scoped agent cannot export the whole book.