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Flex for insurance
Drive policy adoption and improve retention with flexible payments
Flex lets customers split their premiums into smaller payments, which makes it easier to afford the right coverage and manage ongoing payments. Insurers collect the full amount upfront.
Rising premiums are making coverage harder to afford and harder to keep
Customers are increasingly shopping, switching, or letting policies lapse when they can't afford upfront payments—driving churn and lost premium revenue. Flexible payments help insurers and agencies earn loyalty while making coverage more affordable to keep.
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Insurance costs are rising
Car insurance costs are up 40% since 2020, driving record shopping activity. 57% of customers are actively comparing options and 92% save money when they switch, making retention harder than ever.
Lapse risk creates coverage gaps
15% of households allow their policy to lapse when premiums become unaffordable, leaving providers with lost revenue and customers without coverage.
$25B in customer bills annually
47%
of customers report they would delay essential bills like insurance without flexible payments
92%
of users attributed Flex to positive long term financial health
77%
of users attributed Flex to a significant improvement in their ability to manage finances and pay bills
December 2025 Insurance Payment Survey
How Flex works: A win-win for insurers and customers
For the provider
With Flex, payment is made in full, when it’s due as long as the customer makes the first payment by the due date. Get up and running fast, with zero technical lift.
For the policyholder
Approved customers split their insurance premium into smaller payments -- starting when the bill is due, with the rest on a schedule that works for them.
Give policyholders the flexibility to get covered, and stay covered, on a payment schedule that works for them
Secure upfront, on-time payments with Flex
Frequently asked questions
Is this premium finance?
No. Flex is simply a payment option that helps customers better manage expensive premium payments. Flex is not a part of the policy and does not impact any existing workflows.
Do you offer pilots?
Yes. We recommend starting with a pilot to validate performance and measure impact before scaling.
How much does Flex cost?
There is no cost to the insurer, though some providers choose to pay for Flex for their customers. Customers who use Flex pay a small percentage of their monthly bill for the service if the provider does not cover it.
How much integration and marketing work is required?
Flex handles the heavy lifting to ensure a smooth rollout. We offer lightweight integrations to get started quickly, and our team leads marketing, communications, and ongoing optimization.
How does Flex benefit our customers long term?
Flex helps customers stay current with more manageable payments, reducing missed bills and late fees over time. By staying on track, customers build stronger payment habits, maintain better financial standing, and avoid the stress and costs associated with falling behind.
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