In insurance, a mono-line account client who carries just one policy with your agency is both an opportunity and a risk.
They're a risk because mono-line clients are the most likely to shop around at renewal. If all they have is an auto policy, for example, they're not deeply connected to your agency. If they leave, the revenue impact is instant.
But they're also one of your biggest growth opportunities. Each mono-line account is a warm lead for cross-selling additional coverage — home, umbrella, life, commercial, you name it. The challenge? Finding and acting on those opportunities at scale.
Why Mono-Line Accounts Slip Through the Cracks
Most agencies know they should be cross-selling mono-line accounts, but operational barriers get in the way:
- Data blind spots - It's hard to identify mono-line accounts across a large book, especially if account details live in multiple systems.
- No clear timing - Without signals, producers and CSRs don't know when a client is most likely to buy another product.
- Lack of focus - Renewal activity, claims, and service requests take priority over proactive cross-sell outreach.
How ReFocus AI Changes the Game
ReFocus uses account monitoring and data-driven insights to identify your best cross-sell targets in real time.
- Automatic mono-line detection - Our platform flags accounts carrying only one policy, so your team can prioritize them.
- Behavior & coverage gap alerts - ReFocus identifies policy changes or risk gaps that make clients prime for a cross-sell conversation.
- New Policies with the Click of a Button—Now that we have identified clients who need another policy, we make getting that policy easy.
By converting mono-line accounts into multi-line clients, agencies not only grow premiums but also lock in stronger retention. Multi-line clients are far less likely to shop elsewhere - meaning you protect your book while expanding it.
The ReFocus Impact:
- Increased policy count per household
- Higher lifetime value of each client
- Better client protection and satisfaction
Want to see the impact ReFocus can have on Your Agency? Book a Demo Here.
