For advisors · Free · No login

See the renewal commission your lapses cost you this year.

Enter three numbers you already know — or paste your LIC persistency. No login, no uploading your book.

Runs entirely in your browser. Nothing you type is sent to us or saved.

Fine-tune the assumptions

Varies by line — motor TP trail is near zero; traditional life renewal commission is higher. Use your own number for an exact figure.

Example

Renewal income leaking this year

₹0

Enter your numbers to see what lapses cost you.

Persistency

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Policies lapsing

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The 1% lever

Every percentage point of persistency is money.

If you held +5% more persistency

₹0/yr

Every 1% of persistency you save is worth about ₹0/yr in trail to you.

Over the next few years

Small lapses compound into a big gap.

At today's lapse rate If you hold 5% more Recoverable

Hold 5% more persistency → ₹0 of renewal income over 5 years.

Your year at a glance

What's at stake — without uploading a thing.

Enter your numbers above to see your year at a glance.

Worried about a few specific renewals? Add up to 5.

Initials only — no full names. Stored on this device, never uploaded.

    This is a sample you typed. Your full book — every policy, auto-read across insurers and ranked by revenue — is the Renewal Engine.

    Before you go — take it with you

    Turn this into a call-list.

    Generated on your device. Reminders cover the policies you typed above (or a "review your book" nudge if none).

    From estimate to auto-tracked

    This is the aggregate. The real list is the Renewal Engine.

    This free tool estimates what lapses cost you. The Renewal Engine tracks it — your real per-policy at-risk list, auto-read across every insurer and ranked by revenue, so nothing slips.

    See the Renewal Engine Create your free profile

    Pass it on

    Know an advisor losing renewals? Send them this.

    "I run my whole book on ZaapIn so nothing lapses."

    Persistency is revenue.

    zaapin.com/tools/persistency-forecaster

    A clean card with none of your numbers on it — just the message. Screenshot it for your status, or share the link.

    Runs entirely in your browser. Nothing you type is sent to us or saved.