EFuturesCFO · Insurance Suite
Policyholder Retention & Lapse Analyzer
Quantify the true cost of policy lapses by segment, model lifetime value, and identify the highest-impact retention strategies.
Executive Summary
Segment Attrition
5-Year Book Erosion
Retention Levers
Methodology
Lapsed Policies = Total × (1 − Retention). Lost Premium = Lapsed × Avg Premium. Replacement Cost = Lapsed × New Business Cost. LTV = Avg Premium × Tenure × Retention persistence. Multi-policy discount and digital adoption reduce lapse among price shoppers. Industry P&C retention: Auto 80-85%, Home 88-92%, Commercial 90-94%.