INDUSTRY

Insurance

Engage every stakeholder in the insurance ecosystem, from policyholders to insurance advisors, brokers, sales teams, employees, renewals teams, and claim processors, with rewards, loyalty, incentives, and recognition programs. Boost policy sales, drive renewals, enhance claims satisfaction, and build long-term trust with Xoxoday.

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Trusted by 100s of leading insurance companies

Tailored solutions for every insurance vertical

Insurance spans multiple verticals—from life and health to home, motor, reinsurance, and digital-first insure-tech players. Reward programs help each layer drive trust, boost policy renewals, and enhance customer and partner engagement.

Life Insurance

Insurtech

General Insurance

Reinsurance

Health Insurance

Insurance Brokers

Customer Loyalty & Rewards Solution

Xoxoday enables insurers to combat customer retention challenges by transforming policyholder relationships with personalized loyalty programs—driving meaningful engagement, reducing churn, and turning routine renewals into rewarding experiences that build long-term trust and advocacy.

01

Signup Reward

1,000 points for first policy activation

02

KYC Completion Reward

500 points for profile completion

03

Mobile App Download

300 points for first login

04

Document Engagement

Premium Streak Reward

05

Wellness Streak

250 points for completing a health check-up

06

Premium Streak

Discount on premium payment

07

Renewal Bonus

500 points or a travel voucher for timely renewal

08

No-Claim Reward

Discount on next year’s premium

09

Add-on Cover Bonus

1000 points for purchasing an add-on cover

10

Referral Reward

500 points for a referral policy activation

Success stories showcasing proven results

Customer ACQUISITION

Insurer increases member base by +150% (4M → 10M) with rewards-led engagement

See how

Customer Retention

The company drives 35% growth in active members with digital rewards program

See how

DIGITAL ADOPTION

62% increase in customer engagement on the mobile app

See how

Cross-Sell Lift

41% increase in multi-policy purchases through personalised offers

See how

LOYALTY PROGRAM SCALE

1.5M+ reward transactions processed in the first year

See how

CUSTOMER STICKINESS

The insurance company strengthens loyalty through premium rewards and wallet top-ups

See how

Agent Commission Automation Solution

Xoxoday empowers insurance advisors with transparent, automated commission programs that simplify performance tracking and payouts. Recognize milestones, drive consistent sales momentum, and foster lasting loyalty among high-performing agents.

01

First Policy Bonus

500 points for first policy closed

02

Quick Compliance Reward

300 points for completing onboarding KYC

03

Weekly Growth

750 points for beating last week

04

Tiered Rewards

₹2,000 gift card

05

Leaderboard Star

1,500 points for city rank win

06

MDRT Perk

₹1,500 payout + top connector badge

07

Regional Cohorts

2,000 points for area team win

08

Seasonal Drive

1,000 points for campaign success

09

100-Policy Milestone

5,000 points on achievement

10

Persistency Star

2,000 points for 90%+ ratio

Stories of what actually works

COMMISSION MANAGEMENT

Leading Indian insurer cuts commission processing time by 63% with automation

See how

PAYOUT TRANSPARENCY

40% drop in commission-related disputes through real-time, data-driven payouts

See how

AGENT ENGAGEMENT

88% of agents adopted mobile commission dashboards within 60 days

See how

REVENUE IMPACT

Insurer processes ₹2.8 Cr+ payouts in first quarter, improving cash flow for agents

See how

POLICY RENEWALS

Automated commission system boosts renewals and upsell opportunities

See how

REWARD PROCESS SPEED

Sales managers gain real-time visibility to guide and grow agent networks

See how

Brokers Commission Automation

Independent brokers, corporate agencies, and bancassurance partners fuel insurance distribution and growth. Keeping them motivated means more than payouts, it calls for transparent commissions, milestone-driven rewards, and recognition that strengthens lasting policyholder relationships.

01

First Policy Bonus

1,000 points for first sale

02

Compliance Clear

500 points for clean docs

03

Weekly Growth

750 points for sales lift

04

Product Mix Bonus

2,000 points for balanced sales

05

Branch Leaderboard

1,500 points for top seller

06

Elite Circle

₹1,500 payout + early closer bonus

07

Regional Champs

2,000 points for branch win

08

Festive Sprint

1,000 points for seasonal sales

09

Persistency Star

2,000 points for 90%+ ratio

10

Annual Topper

5,000 points for yearly target

Stories of what actually works

BROKER ENGAGEMENT

Leading North American insurer boosts broker engagement by 54% YoY

See how

BROKER ONBOARDING

93% of new brokers complete onboarding milestones within 30 days See

See how

PROGRAM EFFICIENCY

Insurer reduces reward processing time by 60% with automation

See how

CLAIMS TEAM RETENTION

Claims processing retention improves by 22% through recognition programs

See how

broker reward

120K+ broker reward transactions delivered with real-time tracking

See how

ADOPTION & SATISFACTION

89% adoption among field agents with 4.6/5 satisfaction score

See how

Insurance sales commission platform

Automate and gamify insurance sales commission programs across products to drive growth. Plan sales goals, deliver real-time nudges, and reward performance milestones to accelerate policy sales and renewals.

01

First Sale Bonus

1,000 points for first policy

02

Compliance Clear

500 points for error-free docs

07

Regional Champs

2,000 points for top area

08

Festive Sprint

1,000 points for seasonal sales

03

Weekly Lift

750 fuel card or 750 points for growth vs last week

04

Slab Bonus

Branded swag kit or 2,000 points for target hit

05

Leaderboard Star

1,500 points for top branch

06

Contest Winner

Weekend2,500 points for monthly star stay + team recognition

09

Annual Topper

5,000 points for yearly target

10

Persistency Star

Travel voucher + 2,000 points for 90%+ ratio

Stories of what actually works

INCENTIVE accuracy

Mahindra Finance cuts commission calculation errors by 98% through automation

See how

Processing speed

Incentive processing speed improves by 99%, enabling payouts within hours

See how

PROGRAM PARTICIPATION

Incentive qualifiers increase by 25%, ensuring wider agent reward eligibility

See how

SALES PERFORMANCE UPTICK

Sales performance jumps 30% with transparent, real-time incentive tracking

See how

OPERATIONAL EFFICIENCY

Compass reduces time spent on incentive management by 40% with automation

See how

audit compliance

Full audit compliance achieved, minimizing regulatory risk and discrepancies

See how

Employee rewards and recognition

Build a culture of appreciation across underwriting, operations, and customer service teams. Recognize contributions that improve compliance, claims processing, and customer satisfaction—creating an engaged, high-performing insurance workforce.

01

Complete onboarding within 7 days

Welcome kit + 200 points

02

Score 90%+ in compliance quiz

1,000 voucher + badge

03

Claim Milestone

1,500 points for 10 claims

04

Certification completion

300 points or rewards for challenges

05

Anniversary Reward

Milestone plaque + 3000 points for completing 3 years

06

Close 50+ audits or reviews

2000 bonus + digital certificate

07

Spot Award

500 points for <24h claim

08

Receive 'Service Star' Shoutout

Trophy + 400 points

09

Receive 'Service Star' shoutout

Reward for clean audit scores

10

Zero Breach Bonus

500 Points for no compliance lapses

Stories of what actually works

EMPLOYEE RECOGNITION

Max Life captures 60,000+ recognition moments in the first Star of the Quarter cycle

See how

PROGRAM ADOPTION

70% employee activation within first months of Empuls rollout at Max Life

See how

ENGAGEMENT IMPACT

illumifin drives 70% increase in engagement trends with peer-to-peer recognition

See how

HR EFFICIENCY

Both insurers reduce HR workload by 65% through automated recognition workflows

See how

PLATFORM ADOPTION

illumifin achieves 99.2% monthly active user rate across 3,000 employees

See how

REWARDS ROI

Max Life orchestrates ₹27M in rewards with a 78% redemption rate

See how

Renewals teams' motivation

Motivate renewal executives with performance-linked incentives tied to persistency ratios and premium retention. Recognize timely renewals, cross-sells, and policy revivals that reduce churn and protect long-term customer relationships.

01

Renewal Achiever

Reward for hitting FYP/NBP targets

02

Upsell Star

INR 500 recharge + 200 points

03

Premium Builder

1,500 bonus + recognition for boosting GWP

04

Doc Accuracy Hero

Recognition + 400 points

05

Profit Guardian

Branded merchandise + bonus for low claims ratio

06

Portfolio Protector

$2,000 payout

07

Win-Back

Reward for policy revival + cashback voucher

08

Recovery Bonus

Store credit + 500 points

09

CSAT Champion

INR 3,000 incentive + badge for >90% CSAT

10

NPS Hero

Elite tier + 1,000 points

11

Zero Error

INR 3,000 incentive + compliance badge

12

KYC Star

Bonus for 100% accuracy

Stories of what actually works

RENEWAL ENGAGEMENT

Insurance provider improves persistency ratio by 28% with early renewal campaigns

See how

CROSS-SELL PERFORMANCE

Renewal executives increase add-on rider adoption by 2.1x during upsell drives

See how

DIGITAL ADOPTION

70% of renewals shifted to app and auto-debit, reducing costs and leakages

See how

CUSTOMER RETENTION

Win-back campaigns revived 15% of lapsed policies, recovering premium revenue

See how

CUSTOMER EXPERIENCE

Renewal interactions lifted CSAT scores by 22% across life and health products

See how

COMPLIANCE IMPACT

Renewals team achieved zero audit breaches across three consecutive quarters

See how

Claim processing teams' engagement and motivation

Celebrate the precision and empathy of claim handlers, TPAs, and support staff. Recognize achievements in faster settlements, zero-error documentation, and regulatory compliance to build trust and enhance customer experience.

01

FNOL Fast Tracker

500 points for logging FNOL within SLA

02

Accuracy Ace

INR 500 recharge + 300 points for error-free intake

03

TPA Verifier

400 points for <24h doc clearance

04

Zero Error Handler

300 points for flawless validations

05

Ratio Guardian

Branded merchandise + 600 points for CSR >95%

06

Speedy Settler

$2,000 payout

07

Fraud Shield

700 points for fraud detection

08

Cross 50 customers in 30 days

400 points for clean audit results

09

Service Star

300 points for >90% CSAT

10

Trust Builder

400 points for proactive updates

11

Tech Enabler

500 points for OCR/AI adoption

12

Process Innovator

Elite tier + 1,000 points

Stories of what actually works

CLAIM SPEED

Insurer achieves 40% faster claim settlement with automated workflows

See how

ZERO ERRORS

Audit readiness improves as claims team delivers 98% error-free submissions‍

See how

FRAUD PREVENTION

Fraudulent claims reduced by 26% through proactive detection programs

See how

CUSTOMER EXPERIENCE

CSAT scores rise by 22% after empathy-driven claims handling training

See how

DIGITAL ADOPTION

Claims cycle time cut by 35% with AI and OCR-powered adjudication tools

See how

PEAK PERFORMANCE

Teams processed 2x seasonal claim volumes without breaching SLA timelines

See how

Seamless deployment & training

Xoxoday delivers end-to-end support for insurers from defining objectives like retention, renewals, and sales milestones to smooth deployment, launch, and ongoing monitoring. Dedicated training ensures adoption across agents, brokers, employees, and partners.

WEEK 1

Program Scoping

Define program objectives tailored for insurance, like acquisition, renewals, persistency, and cross-sell. Configure accrual rules, commission logic, and compliance-linked incentives to ensure alignment with regulatory frameworks.

WEEK 2

Integration &  Data Management

Unify data across CRM, policy administration systems, and claim management platforms. Ensure smooth data flow for premiums, renewals, and claims, with automated validations and real-time synchronization.

WEEK 3-5

Program Setup

Map insurance workflows like agent commissions, renewal bonuses, claim-linked rewards, and partner offers. Validate schemes for accuracy, compliance, and operational readiness to minimize payout disputes.

Launch & Go-Live

Deploy programs across all stakeholders agents, brokers, bancassurance partners, employees, and merchants. Provide real-time dashboards for sales reps and partners to ensure smooth adoption from day one.

WEEK 6 ONWARDS

Training & Support

Deliver continuous training for sales teams, branch managers, and operations staff. Provide marketing collateral for customer-facing campaigns and tailored support for admins to ensure scalability across insurance channels.

PROGRAM CONSULTANTS

IMPLEMENTATION ENGINEERS

4-6 weeks

average go live time

6 - 8

average training sessions for admins  and users

38

average programs  per customer

12+

processes improved

200 GB

average data  processed per customer

REWARD MARKETPLACE

10M+ reward options from 175+ countries across 30+ categories

Security, privacy, and compliance at the forefront

Data protection is of utmost importance at Xoxoday, and we are committed to providing a safe, secure, and compliant ecosystem for enterprises with the highest standards of data security and privacy across storage, exchange, collection, and processing.

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Insurance

Customer Loyalty & Rewards Solution

Success stories showcasing proven results

Agent Commission Automation Solution

Stories of what actually works

Brokers Commission Automation

Stories of what actually works

Insurance sales commission platform

Stories of what actually works

Employee rewards and recognition

Stories of what actually works

Renewals teams' motivation

Stories of what actually works

Claim processing teams' engagement and motivation

Stories of what actually works

Built-in AI to transform the way you execute rewards and loyalty programs

Seamless deployment & training

4-6 weeks

6 - 8

38

12+

200 GB

10M+ reward options from 175+ countries across 30+ categories

Security, privacy, and compliance at the forefront