AI ee Cusbooneysiinta Caymiska, Haysashada iyo Kediska Iibinta-Isdhaafsiga

Jawaabaha iyo sharraxaadaha waxay soo baxayaan markaad qaadanayso kediska.

1. Which client profile would a churn model most likely treat as a high lapse risk?
   • A client with bundled home and auto policies, no rate change and ten years with the agency
   • A single-policy client with a large rate increase at renewal and recent billing complaints
   • A client who just renewed early and paid in full
   • A household that recently added an umbrella policy
2. Why do many agencies review renewals 60 to 90 days before the renewal date?
   • Carriers ban contact closer to renewal
   • Premiums are lowest exactly 90 days out
   • It is required to order a CLUE report
   • It leaves time to remarket before the client gets the renewal notice and starts shopping
3. Why isn't calling the clients with the highest churn scores first always the best strategy?
   • Some will leave no matter what; outreach helps most with clients in between
   • High scores are always wrong
   • Regulators forbid contacting high-risk clients
   • High-score clients never answer the phone
4. What does an uplift model need that a basic propensity model doesn't?
   • Only the client's age
   • A list of competitor prices
   • Outcomes from both contacted and uncontacted groups, ideally a randomized holdout
   • A larger font on renewal letters
5. A model uses the cancellation reason recorded after a policy lapsed as an input. What problem is this?
   • Calibration drift
   • Target leakage that inflates accuracy in testing
   • Entity resolution failure
   • A circular reference
6. Why should lapse scores be calibrated before ranking accounts by expected premium at risk?
   • Calibration removes the need for any human review
   • It makes every score equal
   • It turns the scores into premium amounts
   • So predicted probabilities match actual lapse rates, which makes probability times premium meaningful
7. A household adds a 16-year-old driver and has no umbrella policy. What cross-sell approach does the guide favor?
   • A simple rule tied to the documented exposure, prompting the agent to discuss higher limits and an umbrella
   • An opaque model that recommends the highest-commission product
   • Emailing every client about every product
   • Adding an umbrella automatically without asking
8. Why does the guide link cross-selling to retention?
   • Cross-selling is required by law at every renewal
   • Single-policy clients never leave
   • Single-policy clients are widely observed to leave more easily than households with bundled policies
   • Bundled policies always cost more