LAPSE PREDICTING TOOL AND SCORING MECHANISM TO TRIAGE CUSTOMER RETENTION APPROACHES

Disclosed here is a triaging system, including a value engine, an analytical engine, a scoring engine, and databases storing internal, external, and retention value data. A value engine may be configured to receive information and determine a value associated with a policy; an analytical engine may be configured to receive information related to one or more factors associated with a policyholder, as well as actuarial relationships between the one or more factors; and a scoring engine may be configured to receive information associated with a policyholder from one or more value engines and analytical engines, and may output a scalar score associated with the retention value of the policyholder. The system may determine the value of retention associated with the policyholder and use this value to build and store a client score, where the client score may be a scalar representation of the value of retaining business with the policyholder.