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Channel & Retention Simulator

Model the operational impact of structured AI on (a) channel mix economics and (b) renewal + cross-sell on your existing book of business. Calibrated for Spain insurers (UNESPA / ICEA), portable across EU.

Channel mix

Spain median: 60-70% broker channel (including bancassurance). Adeslas via CaixaBank is the canonical case.

Brokers 60%Direct digital 40%

Annual new policy volume

Number of new policies your channels generate per year (broker + direct combined).

Broker copilot adoption

% of your broker network with the copilot active. Typical rollout: 30-60% adoption in the first 6 months.

% of broker network active0%

Direct digital wizard quality

Basic: form-first. Intermediate: structured wizard with defaults. Advanced: Layer 1+2+3 with choice architecture (Dellaert mechanism).

Average annual premium

Spain individual health median €600-1,200.

€

Blended CAC

€470

from €470

CAC via brokers

€600

CAC via direct

€275

Annual savings

€0

Baseline €23.500.000 → optimized €23.500.000.

Additional policies from lift

Same acquisition volume, more policies sold because of higher quote-to-bind on the broker channel + higher quote-to-policy on direct.

Volume split by channel

CAC — baseline vs optimized

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Free account. No card required. Save scenarios, compare 2-4 side by side, export PDF for your team. Calibrated for Spain insurers (UNESPA / ICEA).

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