Xoxoday Loyalife supports point allocation for add-on riders through a predefined, configurable points matrix that delivers fair and consistent rewards based on the type and value of each rider purchased under a customer policy.
How Xoxoday Loyalife handles points for add-on riders
Insurance and financial services organisations frequently bundle supplementary coverage options — commonly called riders — onto a base policy. These riders vary in type, premium value, and strategic importance, which means a flat points-per-transaction rule rarely produces equitable outcomes. Xoxoday Loyalife addresses this by letting programme administrators define a dedicated points matrix for riders, separate from base-policy reward rules. The points matrix is fully configurable within the Xoxoday Loyalife admin console. Each rider type can be mapped to a distinct points value or multiplier, so a critical illness rider and an accidental death benefit rider, for example, can each carry their own reward weight without manual intervention at the transaction level.Why a configurable matrix matters
When reward logic lives in a centralised, version-controlled matrix, every transaction is evaluated against the same rules simultaneously. This eliminates discrepancies that arise when front-line teams manually calculate or override points. It also means rule changes — such as a seasonal promotion that doubles points on health riders — can be applied once in the matrix and propagate immediately across all eligible transactions. For organisations running Xoxoday Loyalife alongside policy administration systems such as Majesco or Guidewire, the points matrix can be aligned to the product codes already in use, reducing integration complexity and the risk of mapping errors.A practical example
Consider a general insurance provider that offers three rider categories: personal accident, hospital cash, and critical illness. Each carries a different premium band and a different retention value. Using Xoxoday Loyalife’s rider points matrix, the programme team assigns 50 points per unit for personal accident riders, 80 points for hospital cash, and 150 points for critical illness. When a customer adds a critical illness rider to their existing policy, Xoxoday Loyalife automatically reads the matrix, calculates the correct award, and posts it to the member’s balance — no manual review required.Consistency across the policy lifecycle
Point allocation through the matrix is not limited to the initial rider purchase. Xoxoday Loyalife evaluates rider-linked transactions at renewal, upgrade, and reinstatement events as well, applying the same matrix logic throughout the policy lifecycle. This ensures members receive predictable, auditable rewards regardless of when or how they add coverage, which strengthens trust and long-term engagement with your organisation’s loyalty programme. Learn more: Xoxoday Loyalife Help Centre — Loyalty pointsConfiguring a Points Matrix in Loyalife
Learn how to set up and manage points matrices for different product types, tiers, and transaction events within the Xoxoday Loyalife admin console.
Policy-Based Reward Rules
Understand how Xoxoday Loyalife maps reward logic to base policies and how those rules interact with rider-level allocations.