Insurance policyholder engagement and loyalty software
Your extended Loyalty Success Team that understands insurance challenges
We maximize your program success by working hands-on with you – before and after going live
Insurance loyalty platform that drives customer loyalty
The gamification engine to build loyalty between renewals
Give your most loyal policyholders a reason to renew beyond price
Recognize tenure, multi-policy bundling, and a clean claims history with visible tiers and perks before renewal season starts, so loyalty shows up before the paperwork does.
Make that status visible in the app or portal and add small unprompted perks at renewal time, so switching starts to feel like giving something up.
Turn a once-a-year relationship into a year-round one
Reward the actions that happen between renewals: app logins, wellness check-ins, safe-driving data, referrals, and document uploads, each tied to a small, immediate payoff.
Trigger campaigns off those everyday actions instead of the calendar, so the brand shows up between bills and claims, not just at them.
Turn policyholder tenure into cross-sell opportunities
Identify policyholders who've stayed the longest and hand them a reason to add coverage: a home policy for an existing auto customer, a life policy for a long-term health member.
Run that as a targeted campaign tied to tenure and segment, with its own reward tier, rather than leaving cross-sell to chance or a single agent conversation.
Open Loyalty's loyalty engine helps you retain high-value policyholders, engage them between renewals, and grow cross-sell
Meet policyholders in the channel they already use
Show the same points, tiers, and rewards in the mobile app, the portal, and the agent's screen, so the program looks identical wherever a policyholder logs in.
Plug loyalty mechanics into existing policy admin systems and CRMs through the API and add campaigns without a rebuild, keeping everything policyholders use exactly where it is.
Incentivize the habits that lower claims and raise engagement
Reward safe driving, healthy habits, and completed home safety checks with points redeemable for real discounts or benefits, not just a certificate.
Give policyholders a reason to act before an incident happens, when the discount still means something, instead of only rewarding them after a claim is filed.
Build a fuller policyholder profile and personalize – with consent
Ask policyholders to share lifestyle, health, and preference data directly, in exchange for rewards they actually want, like premium credits or gift cards.
Use what they share to personalize offers and to explain premium changes clearly, before a policyholder has to ask why the price went up this year.
Frequently asked questions
What makes a loyalty program effective for insurers?
Effective insurance loyalty programs solve for low interaction frequency – they reward actions between renewals, not just the renewal itself.
Programs that focus only on price or discounts don't address why high-value, previously loyal customers are switching at record rates.
How can insurers reduce churn among high-value policyholders?
Recognize tenure, bundling, and low-claims history with visible tiers and perks, and proactively explain pricing changes rather than leaving customers to find out at renewal.
Give high-value, bundled customers a reason beyond price before they start shopping.
How does gamification increase engagement between renewals?
Event-triggered and achievement-triggered campaigns reward everyday actions – app logins, wellness check-ins, safe-driving data, referrals – that have nothing to do with a claim or a bill.
This is how insurtech platforms like dacadoo built on Open Loyalty achieve up to 7x higher 30-day retention.
Can insurers reward healthy behavior or risk-reducing actions?
Yes. Behavioral earning rules let you reward telematics data, wellness check-ins, or safety inspections with points redeemable for premium discounts or benefits.
Risk-prevention incentives are something most insurers still underuse, despite consumer demand for them.
How does Open Loyalty integrate with policy admin systems and insurer tech stacks?
Open Loyalty is API-first and integrates with policy admin systems, CRMs, and mobile apps via REST API, webhooks, and AWS S3 exports.
The platform is ISO 27001 and ISO 9001 certified and GDPR compliant, with 99.99% uptime and 120 ms average API response time.
Is Open Loyalty secure and compliant enough for insurance data?
Open Loyalty is ISO 27001 and ISO 9001 certified, GDPR compliant, and periodically tested against OWASP Top 10 and CWE/SANS Top 25 standards.
It runs on AWS with full instance data separation across 100+ global data centers.
Choose reliability and minimize risk with a proven vendor
Part of an international capital group
Recognized by Google, Deloitte, and Gartner
35 loyalty and gamification experts
Helping customers in over 30 countries
Sleep well with rock-solid security and scalability
ISO and GDPR compliance
OWASP and CWE certifications
Global availability with AWS
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