Questions buyers ask · Insurance
How do insurers meet state non-renewal and cancellation notice requirements?
Each state sets its own clock. Non-renewal notices commonly need 30 to 60 days' advance notice, cancellation for nonpayment often 10 days, and many states require a stated reason and proof of mailing. Callvu applies the right state and line rule to each policy, sends the notice on time and keeps the proof.
The problem today
Why notices go out late or wrong
The notice period depends on the state, the line of business, how long the policy has been in force and the reason for the action. Those rules sit in a manual or a spreadsheet, and the policy facts sit in the policy system. A notice sent a few days late, without the required reason or without proof of mailing can force the insurer to renew a policy it meant to end.
How it works
How Callvu runs a non-renewal or cancellationFive moves, one process.
The rule is picked for the policy
State, line, policy age and reason select the notice period and the required wording.
The due date is set on day one
The decision to non-renew or cancel starts the clock, and actions at risk go to a person before the deadline.
The notice carries what the state requires
Reason, effective date and any required disclosures are filled from the policy record.
Delivered with proof
Mail, email or secure link, with the delivery and mailing evidence the state accepts.
On the record
The notice, the dates and the proof are written back to the policy system.
Runtime enforcement
Compliance enforced while the work runsOn every step, every time.
Callvu checks every regulation and your own policies on every step while the work runs. A step that fails a control does not run. Every run produces a Decision Trace and an Audit Trace, pushed in real time to your GRC system, so the examiner sees the record of what happened, not a reconstruction.
Proof
Live in production.In weeks, not months.
Phoenix Insurance put 100+ processes live in under 3 months.
More than 100,000 agents work on the Callvu platform, and more than 1,000 processes are live across customers.
Questions
What buyers ask next,answered plainly.
How do state rule changes get in?
State rules are loaded as policies. When a state changes a notice period, the policy is updated once and applies to every notice from that day.
Does Callvu replace our policy administration system?
No. Callvu runs the notice process around it and writes the result back by API.
How long does it take to go live?
Weeks. Callvu builds the process for you.
Bring the process that costs you most.
We build it, train your team and stay with you through launch. You are live in weeks.