Insurance · Customer Loyalty · Africa
Reward on-time premiums.
Reduce churn. Drive renewals.
Insurance companies across Africa use QIFTS to reward customers for on-time premium payments, safe behaviour, policy renewals, and referrals. The reward card issued when a premium is paid on time is cheaper than the churn it prevents.
Trigger event
Premium paid
On-time reward
Delivery
SMS + WhatsApp
Any phone
Markets
13
One integration
Churn impact
Proven
Reward reduces lapse rate
Use cases
Every touchpoint. Every market.
QIFTS powers reward programmes across every customer and employee interaction — configured once, running automatically, delivering in local currency on any phone.
Customers — Payment
On-time premium rewards
Issue a reward card the moment a customer pays their premium before the due date. The reward is cheaper than the churn it prevents — and creates a positive association with paying on time.
Customers — Retention
Policy renewal rewards
Reward customers who renew their policy without lapsing. A ₦3,000 renewal reward on a motor policy with a ₦50,000 annual premium has a clear positive ROI.
Customers — Safety
Safe behaviour incentives
For motor insurance, reward customers who go 6 months without a claim. Incentivises careful driving, reduces claims cost, and builds a positive brand relationship.
Customers — Growth
Referral programme
Issue reward cards to policyholders who refer new customers. Card issued when the referred customer completes their first premium payment.
Customers — Channel
Digital adoption rewards
Reward customers who switch from in-person premium payment to your app or mobile money. Reduces collection costs significantly.
Customers — Cross-sell
Multi-product rewards
Issue a reward card when a customer adds a second product — motor plus home, health plus life. Incentivises cross-sell without a discount on the primary product.
Get started
Build loyalty in Africa's insurance market.
Tell us your product lines and target markets. We'll design a reward programme that reduces churn and drives renewals.