Insurance

Power rewards, incentives, and loyalty across insurance

Run agent incentives, advisor loyalty, and policyholder retention programs on a single platform designed for regulated financial environments.

Book a demo

The Problem

Insurance growth depends on more than new policies

Sustainable growth comes from stronger renewals, productive distribution networks, efficient operations, and long-term customer relationships.

Policyholder loyalty declines

Policyholders rarely interact with insurers between purchase and renewal, making retention harder and switching easier.

Commission trust erodes

Delayed payouts and limited visibility create frustration among agents and advisors, impacting productivity and loyalty.

Sales momentum fades

Sales teams need consistent incentives and visibility into performance to sustain acquisition, cross-sell, and premium growth.

Critical teams feel overlooked

Claims, servicing, and operational teams shape customer trust every day but often receive little recognition for their contribution.

The playbook

Reward and retain every stakeholder in insurance

Support the people behind policy growth, renewals, distribution performance, and customer trust.

Turn every policy interaction into a reason to stay

Insurance relationships often become dormant between purchase and renewal. Create meaningful engagement throughout the policy lifecycle to increase retention, encourage renewals, and strengthen long-term customer relationships.

Business outcomes

Higher renewal ratesLower policy lapsesIncreased customer lifetime valueStronger customer advocacy

Reward on-time premium payments and policy renewals automatically

Recognize claim-free periods with meaningful personalized rewards

Incentivize digital self-service and paperless policy adoption

Reward referrals that bring in new family policy additions

Collect feedback through post-interaction surveys and reviews

Create tiered loyalty experiences tailored for high-value customers

Keep agents motivated beyond commission payouts

Top-performing agents expect more than periodic commissions. Transparent incentives, timely payouts, recognition, and performance-based rewards help improve productivity and retention.

Business outcomes

Higher advisor productivityIncreased policy salesBetter retention of top performersImproved program participation

Automate commission calculations and incentive payouts in real time

Run product-specific SPIFF programs for priority campaigns

Reward agents for hitting premium collection milestones

Incentivize completion of certification and compliance training

Recognize and celebrate top-performing advisors publicly

Create live leaderboards and time-bound performance challenges

Strengthen broker relationships through ongoing engagement

Brokers influence a significant share of insurance business. Loyalty programs, incentive structures, and recognition initiatives help maintain mindshare and encourage long-term commitment.

Business outcomes

Increased broker loyaltyHigher policy volumeGreater share of walletImproved distribution performance

Launch structured broker loyalty and retention programs

Reward brokers for policy volume and premium growth targets

Create tier-based broker benefits that reward long-term commitment

Incentivize brokers to pursue cross-sell and upsell opportunities

Recognize and celebrate top-performing broker networks publicly

Run seasonal and strategic campaigns to keep brokers active

Drive performance with incentives tied to growth

Sales teams play a critical role in customer acquisition and premium growth. Real-time rewards and recognition help maintain momentum and improve target achievement.

Business outcomes

Higher target achievementIncreased premium growthImproved sales productivityFaster revenue generation

Run time-bound sales contests and performance challenges

Reward teams for hitting policy acquisition milestones

Launch product-specific incentive programs for priority lines

Recognize and reward top performers on a regular cadence

Create gamified leaderboards with real-time rankings

Reward reps for identifying and closing cross-sell opportunities

Recognize the teams that shape customer trust

Claims teams have a direct impact on policyholder satisfaction and retention. Recognition and performance incentives help improve service quality and employee engagement.

Business outcomes

Improved claim resolution performanceHigher employee engagementBetter customer satisfactionLower team attrition

Reward teams for SLA achievement and fast claim turnaround times

Recognize service excellence tied to customer satisfaction scores

Celebrate individual and team productivity milestones regularly

Reward consistent quality and compliance performance outcomes

Run structured team-based recognition programs across departments

Encourage continuous learning with rewards for certification completion

Build a culture people want to be part of

From underwriting and operations to customer support and corporate functions, recognition and rewards help create a workplace where employees feel valued and motivated.

Business outcomes

Higher employee engagementReduced attritionStronger workplace cultureImproved productivity

Enable peer-to-peer recognition tied to company values

Celebrate work anniversaries, milestones, and onboarding moments

Reward learning completions and development achievements

Launch wellness campaigns and participation-based engagement initiatives

Recognize exceptional performance across teams and functions

Create company-wide reward programs around key moments

Capabilities

Everything needed to run insurance programs at scale

Connect to your core systems and run incentive and loyalty programs your compliance and finance teams will approve.

Integrations

Pre-built connectors for LifeAsia, GENIUS, Salesforce, and agency platforms. APIs and webhooks for claims, policy admin, and LOS workflows.

Agent & advisor commissions

Automate first-year commissions, renewal trails, persistency bonuses, and clawbacks across all product lines. No spreadsheets.

Rule & logic engine

Set earn rules by policy type, sum assured, or claim-free years. Configure tier multipliers, streak bonuses, and partner logic — no IT involvement.

Policyholder loyalty engine

Reward renewals, rider additions, referrals, and health checkups to keep policyholders engaged between cycles.

Instant payouts & disbursements

Settle surveyor fees, trail commissions, and claim cashbacks via UPI, IMPS, or bank transfer — in hours, not weeks.

Data & user management

Manage policyholders, agents, brokers, and bancassurance partners in one place. Segment by tenure, renewal date, or zone for targeted programs.

Reports & dashboards

Track renewals, agent activation, and persistency ratios in real time. Monitor commission liability and payout status across your full distribution network.

Compliance & audit controls

Maker-checker on every rule and payout. Full audit trail with SOC 2 Type II, ISO 27001, and IRDAI-aligned controls built in.

Global rewards catalog

10M+ options including health rewards, OPD cashback, gift cards, and travel. Localized by country across Asia, the Middle East, and Africa.

Customer Stories

Trusted by insurers that move fast

Leading insurers rely on Xoxoday to run scalable loyalty, incentive, and recognition programs with greater control and visibility.

Top-3 Life Insurer

Head of Distribution

Leading Indian Life Insurer · Tier-1 · 12,000+ agents

'Commission calculation errors dropped 98% and disputes fell 40%. Our agents now see what they've earned in real time — that alone closed the biggest trust gap we had with the field force.'.

North American P&C Carrier

'Automated bonuses for renewals and claims-advocacy moments transformed broker stickiness. We stopped losing partners to faster-paying carriers.'.

VP Partner Distribution

Insurance

Health & Wellness Insurer

'Tiered loyalty plus referral mechanics let us scale acquisition without ballooning CAC. Tenure-based perks shifted churn from a tax to an asset.'.

Head of Member Growth

Insurance

FAQ

Frequently asked questions

Most PAS platforms calculate commissions but don't distribute them in real time, communicate them to agents, or give the field force live visibility into their earnings. Xoxoday sits on top of your existing calculation layer to handle disbursement, agent-facing dashboards, and engagement mechanics like leaderboards and milestone rewards.