Guava offers a white‑label loyalty platform that letsinsurers and brokers deliver branded rewards and customer service through SMS and WhatsApp without requiring a mobile app. The platform creates year‑round engagement, generates behavioral data for underwriting and cross‑sell, and helps retain policyholders by turning routine interactions into personalized offers. Guava monetizes the service via subscription or usage fees from insurance companies.
Funding
Funding not disclosed
Founders
Product
Problem
Insurers and brokers typically engage policyholders only at renewal, claim filing, or after service issues, resulting in limited visibility into customer needs between these touchpoints. This sparse interaction makes it difficult to differentiate on anything beyond price, leading to higher churn as customers compare policies on cost alone.
Solution
Guava delivers a white‑label loyalty and engagement platform that operates entirely through SMS and WhatsApp, the channels policyholders already use. The solution embeds a rewards catalog, automated service dialogs, and AI‑driven behavioral analytics into a single messaging experience, enabling insurers to run campaigns, answer policy questions, and initiate claims without requiring a mobile app or deep system integration. By surfacing partner‑funded discounts and cashback offers, the platform creates continuous touchpoints that generate first‑party engagement signals. These signals feed into underwriting models, cross‑sell recommendations, and risk‑alert workflows, helping insurers anticipate needs and improve retention. Deployment is turnkey, with branding and reward configuration completed in 4–8 weeks, and the platform scales from pilot to enterprise without additional IT overhead.
Target Audience
The primary customers are property‑ and casualty insurers and brokerage firms seeking to increase policyholder engagement, improve retention, and unlock data‑driven insights without extensive IT projects.
Features
- Messaging‑first architecture that routes all interactions through SMS and WhatsApp, eliminating app download friction.
- Zero‑integration launch: no API hooks or legacy system changes required; the platform sits atop existing policy administration tools.
- White‑label branding engine allowing insurers to present the service under their own visual identity.
- Partner‑funded rewards marketplace with 6,000+ global merchants, supporting points, cashback, and gift‑card redemptions.
- AI‑powered engagement engine that captures interaction data, generates behavioral segments, and triggers risk alerts or cross‑sell prompts.
- Automated claim initiation and policy‑service dialogs powered by conversational flows and escalation to human agents when needed.
- Campaign manager for seasonal promotions, safe‑driving incentives, and referral programs, with real‑time redemption tracking.
- Analytics dashboard delivering open‑rate metrics, redemption rates, and predictive churn indicators for continuous optimization.