Use the renewal date on the policy record as the trigger and count backward. A standard cadence is 90, 60, and 30 days out, plus an immediate alert whenever a rate increase above your threshold is detected.
A renewal cadence that holds retention
90 days out — email the client that the annual review window is opening.
60 days out — text an appointment booking link.
30 days out — create a call task for the producer if no appointment is booked.
Rate increase over 10 percent — immediate alert with a re-shop task.
Rate-increase detection
When a renewal premium arrives higher than the prior term, the policy is flagged, revenue at risk is calculated, and the re-shop workflow starts.
Does this work for Medicare annual reviews?
Yes. The same engine drives the annual review workflow, including plan change detection ahead of AEP.