Xoxoday Loyalife supports fully configurable points tables that assign distinct point values to each life insurance policy type, allowing insurers to personalise rewards at the product level.
Configuring a Points Table for Insurance Policy Types
Life insurance portfolios are rarely one-size-fits-all. A single policyholder may hold a Whole Life plan, a Term Life policy, and an Endowment product simultaneously — each with a different premium structure, tenure, and business value. Xoxoday Loyalife recognises this complexity and gives administrators the tools to reward each policy type on its own terms. Within the loyalty programme configuration, administrators can build a custom points table that maps specific point values to individual policy types. Whole Life policies can earn a higher base rate to reflect their long-term premium commitment, while Term Life policies can be set at a lower rate in line with shorter engagement windows. Endowment plans, which blend savings and protection, can carry a separate points multiplier that acknowledges their dual product nature.Why Segmented Points Tables Matter
When every policy type earns the same number of points, high-value products are effectively under-rewarded and lower-margin products over-rewarded. Segmented points tables allow insurance providers to align reward spend with actual business priorities — channelling loyalty investment toward the products and customer behaviours that drive the most long-term value. This granularity also supports more meaningful policyholder communications. When a member receives a statement showing points earned against their Endowment plan specifically, the reward feels relevant and earned rather than generic. Over time, this kind of personalisation measurably improves retention and cross-sell rates across the portfolio.How It Works in Practice
An insurance provider using Xoxoday Loyalife might configure the following logic: a Whole Life policy earns 50 points per premium payment, a Term Life policy earns 20 points, and an Endowment plan earns 35 points plus a 10-point bonus for policies held beyond five years. All of this is defined through the administrator console without requiring custom development work. For organisations running enterprise systems such as SAP SuccessFactors or Darwinbox for HR and workforce data, Xoxoday Loyalife’s API layer allows points table logic to stay in sync with policy records held in core systems — ensuring accuracy across the full customer lifecycle.Keeping Points Tables Current
As product portfolios evolve, administrators can update points table values directly from the Xoxoday Loyalife dashboard. Changes can be applied to new policy enrolments immediately or scheduled to take effect at the start of a new policy period, avoiding retroactive adjustments that could create confusion for policyholders. Audit logs capture every configuration change, which supports compliance requirements under standards such as ISO 27001 and SOC 2 Type II by providing a clear record of when reward rules were modified and by whom. Learn more: Xoxoday Loyalife Help Centre — Loyalty pointsSetting up points multipliers for premium tiers
Learn how to apply multiplier rules that reward high-value policyholders with accelerated point earning rates.
Awarding points on policy renewal events
Configure trigger-based point awards that fire automatically when a policyholder renews or upgrades their plan.