What is insurance policy renewal automation?

It is a workflow that pulls policy and risk data ahead of a renewal, recalculates the premium, and either auto renews the policy or routes it to an underwriter, depending on how much the premium moved.

Does every renewal need an underwriter to look at it?

No. Pulling the data and recalculating the premium both run as deterministic logic. An underwriter only sees the renewal when the swing crosses your configured threshold.

What happens if the underwriter does not respond in time?

That depends on how the wait step is configured. The same escalation pattern used in other human-in-the-loop workflows, escalating to the next reviewer after a timeout, can apply here too.

Can I change what counts as a real premium swing?

Yes. The threshold that decides auto renewal versus underwriter review is configurable, so you can tighten or loosen it without touching the recalculation logic itself.

Policy Renewal Automation

Most renewals do not need an underwriter. The ones with a real swing still do.

Unmeshed runs insurance policy renewal automation end to end. Policy and risk data get pulled, the premium gets recalculated, and most renewals go out on their own. A real swing in premium or a flagged risk holds the renewal for an underwriter instead of shipping blind.

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Recalculation is free, deterministic logicUnderwriter review only for real swingsFree tier available

Built By

The team behind Netflix Conductor.

Now orchestrating workflows for teams across

SGSingapore
CACanada
UKUnited Kingdom
USUnited States

What Changes

Every policy gets recalculated the same way. Only a real swing needs a person.

Before

Renewal premiums get recalculated manually against last year's numbers

A policy with a steep premium jump goes out the same way as one with no change at all

Underwriters spend their day on renewals that never needed them

A missed renewal notice becomes a support ticket and a frustrated customer

After

Premium recalculation runs automatically against the latest risk data

Swings past your threshold get held for underwriter review before anything ships

Underwriters only see the renewals that actually need a decision

Auto renewed policies and their notices go out on the same schedule, every time

Trigger and Pull

The run starts itself

A scheduled trigger fires ahead of each policy's renewal date and pulls the policy record along with the latest risk data, no one has to track renewal dates on a calendar.

RULE
Scheduled trigger fires ahead of the renewal date
RULE
Pull the policy record and current risk data
RULE
Every run gets logged before recalculation starts

Trigger Path

Renewal Due

# scheduled_trigger

Pull Policy and Risk Data

# pull_policy_data

Log Run

# log_run

Recalculate Path

Current Risk Factors

# risk_factors

Recalculate Premium

# recalculate_premium

no model call

New Premium

# premium_ready

Recalculate

The premium gets rebuilt from current numbers

The premium gets recalculated against the policy's current risk factors. This is logic running against fresh data, not a model call, so it costs nothing to run on every policy.

RULE
Recalculate the premium against updated risk data
RULE
Same calculation, applied to every policy up for renewal
RULE
Pure logic, no model call needed to run the numbers

Decide

The swing decides the path

The new premium gets checked against the old one. Most renewals fall inside your threshold and move straight to auto renewal. The rest branch to underwriter review instead of shipping on their own.

RULE
Check the premium swing against your threshold
RULE
Policies inside the threshold branch to auto renewal
HUMAN
Policies past the threshold branch to underwriter review

Decision Path

Check Premium Swing

# check_threshold

insidepast

Auto Renewal

# auto_renew

Underwriter Review

# underwriter_review

Review Path

Underwriter Decision

# wait_for_underwriter

approve

Send Renewal Notice

# send_notice

Log Decision

# log_decision

Review or Ship

A held renewal waits for a real decision

A renewal held for review sits with the underwriter, with the recalculated premium and the swing already attached. Once they decide, the workflow resumes and sends the renewal notice either way.

HUMAN
Underwriter approves, adjusts, or declines the renewal
RULE
An approval resumes the workflow and sends the notice
RULE
Every decision gets logged with the renewal record

What this workflow is built to do

Every renewal gets recalculated the same way. Only the swings that matter reach an underwriter.

Zero model cost

Every policy recalculated the same way

Threshold based routing

Not a blanket rule for every file

Full trace

Pull, recalculate, decide, and send in one record

Integrations

Works with the policy admin and rating systems you already run.

SQL ServerAny policy admin system via APIAny rating engine via APISlackEmail

Pull for free

Grabbing the policy and risk data is a database call, not a model call.

Recalculate automatically

The premium gets rebuilt from current risk data, same logic every policy.

Hold on a real swing

Only renewals past your threshold reach a person, with context attached.

Full trace

Every pull, recalculation, and decision is logged in one record.

Why It Holds Up in Production

Built so a missed renewal never ships blind.

Threshold based

Routing depends on the size of the swing, not a guess.

Context attached

Underwriters see the recalculated premium and the swing already pulled.

Full run history

Every pull, recalculation, and decision is logged and readable.

Resumable waits

Held renewals wait on a real decision, no custom polling code.

Frequently asked questions

Still have questions? Talk to us.

See which renewals actually need a second look.

Connect your policy admin system and your rating engine, and this workflow handles the pull, the recalculation, and the routing automatically.

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