12-Month Chargeback Trend
Monthly CB dollars (bars) and CB rate % (line) for policies sold May 2025 – May 2026. Grayed months have insufficient time to mature — their rates will rise as policies age.
Source: PhaseThree/tables_v3/cb_by_sale_date.csv. Life policies only; annuities excluded. Mature = sold before Jan 2026 (6+ months to season). CB rate = chargebacks / policies sold that month.
Carrier Breakdown
CB rates range from 5.6% to 48.8% across carriers — a 9× spread. Volume and rate together determine where intervention has the most leverage.
CB rate ranges from 5.6% to 48.8% across carriers
| Carrier | Policies Sold | CB Count | CB Dollars | CB Rate |
|---|
Source: SSoT_Consolidated.xlsx — computed directly from raw rows. Life policies only; annuities excluded. 13 carriers with 20+ policies shown; 9 smaller carriers (54 combined policies) omitted from table. Total book n = 3,909.
Key Patterns
Two consistent signals emerge across timing and size that shape where intervention will have the most leverage.
Most chargebacks hit within 60 days
44.2% of all chargebacks occur within 30 days of the sale. 70.5% land within 60 days. Count drops sharply after that — virtually none appear beyond 10 months. Early intervention carries the highest potential leverage.
Right-skewed with a long tail
Median chargeback is $792, but a small number of large chargebacks pull the mean up to $1,023. Nearly 90% of chargebacks are under $2,000. The largest single chargeback on record is $15,086. Count reduction and dollar reduction require different approaches.
3× spread across agent teams
CB rate varies dramatically by team — from 11.5% to 40.0% among identified uplines. The gap suggests practices and coaching quality are significant drivers.
Min. 20 policies. "Unknown" upline (2,128 policies, 33.4%) excluded for clarity.
Savings Potential
Every eliminated chargeback returns $1,023 on average. Reducing the rate from 33% to 15% recovers over $650K — reaching the 5% target recovers over $1M.
Understanding root causes and identifying intervention points
The data surfaces where the problem lives — the next phase is understanding why. That means going into the bullpen: listening to calls, talking to agents, and seeing how they actually operate day to day. From there, the focus shifts to identifying the specific pain points driving early lapses — whether that's how policies are presented, gaps between agent behavior and SafeLife's guidelines, or something else entirely. Once the real levers are clear, Peach Pilot products are designed to address them directly: taking what the best agents do naturally, codifying it into a repeatable system, and putting that system in front of everyone.
Source: SSoT_Consolidated.xlsx — "Single Source of Truth" sheet. Life policies only; Annuity, Life and Annuity, and Advance product types excluded. All figures computed deterministically from raw rows. n = 3,543 life policies (May 2025–May 2026); 1,170 chargebacks. Recovery figures use avg CB of $1,023.17; elimination counts = (current rate − target rate) × total policies.