# Lapsed Policy Win-back — Financial Services AI agent | Mihu AI

Financial Services · Insurance

# Lapsed Policy Win-back

Reinstate lapsed cover inside the window where it's still simple.

Set up this outcome

## Apps this needs

Core / Policy System Lending, policy or subscription system for renewals & balances. Connect during setup

CRM Salesforce, HubSpot or your local CRM for leads & contacts. Connect during setup

WhatsApp Business Send confirmations and let customers reply on WhatsApp. Connect during setup

SIP Trunk Route inbound & outbound calls through your phone system. Connect during setup

## How it works

Agent picks up policies lapsed inside the reinstatement window , via the policy admin system.

Reaches the customer via voice (Twilio, 3CX, RingCentral, or a carrier-direct SIP trunk), WhatsApp or SMS, and states what lapsed and what that means factually .

Explains the process to reinstate — steps, documents (e.g., updated underwriting information), deadline.

Books an adviser call or sends the reinstatement link where self-serve. If the customer wants a new policy instead, routes to a licensed agent for a fresh quote.

Anything about whether the cover suits them goes to a licensed adviser. Outreach and outcome are logged to the CRM .

## Data sources

Policy status Reinstatement rules Adviser calendars CRM

## What it targets

Lapsed policies contacted Target 97%

Policies reinstated Target 16%

Escalated to a licensed adviser Target 100%