Industry
Insurance
The quote comes back, and the applicant leaves to find out whether it is a good one
The hard part of the journey is over. Then a number appears with a list of exclusions underneath it, the applicant cannot judge either, and the safest thing they can do is close the tab and ask somebody. Most of them do not come back.
The numbers
47%
of consumers who reach a quote walk away at that point, the single largest drop in the journey
Association of Mortgage Intermediaries, Protection Viewpoint 2025
18%
of people who begin a protection journey never finish it at all
Association of Mortgage Intermediaries, Protection Viewpoint 2025
25%
of under-35s abandon the same journey, well above the population average
Association of Mortgage Intermediaries, Protection Viewpoint 2025
What ARCY sees
ARCY watches the quote journey the way an underwriter would if they could sit behind every applicant: question by question, on the sessions that ended without a policy.
- Whether the journey ends before the quote or after it, which are two different problems
- The questions people asked the agent in the minutes around the price
- Struggle signals: the cover level changed four times, the excess field filled and cleared, the long pause on the exclusions
- Which product, channel or aggregator sends the applicants who leave at the price
What ARCY does
ARCY answers inside the journey, at the moment the applicant hesitates, through the chat surface and the flows your own team authored. It gives no advice you did not publish and sends no applicant an unprompted message.
- Answers cover, excess and exclusion questions from the wordings your compliance team approved
- Walks the applicant through the remaining questions with a flow your product team published
- Puts the conversations next to the drop-off, so you can see which exclusion loses the policy
What it measures
Some of your applicants never open ARCY at all. Same questions, same prices, same window, no ARCY. The difference between them and the users ARCY helped is what ARCY was worth on the quote journey.
- ARCY compares the users it helped against the users it never touched
- Policies bound in both groups, per flow
- Below a minimum group size the difference is withheld, and the counts still show
+36.3% activation lift on this flow
With ARCY
42.8%
1,204 users who ran this flow
Without ARCY
31.4%
2,910 users who never used ARCY
ARCY compares the users it helped against the users who reached the same step and never used it. Both are counted as finished the same way.
Related
See it on your own quote journey
Book a walkthrough and we will look at what happens in the minute after your price appears.