Are you seeing stronger retention when you start 90–120 days pre-maturity with a two-option renewal grid — like extending 36 to 60 months or holding term but shaving rate with autopay — so the payment change stays minimal? I’m testing small fee credits where policy allows and tracking in Salesforce, but I’d love general approaches on timelines and term tweaks you’ve found effective; no guarantees implied, and please verify with your own compliance and research.