Summary: The ideal tech stack for automating renewal reviews consists of three layers: an Agency Management System (AMS), a Marketing Automation platform, and a Data Intake/Verification tool.

Direct Answer: To automate renewals at scale, you cannot rely on manual file checking. A modern stack operates as follows:

1. Trigger: The AMS (e.g., AMS360, Applied Epic) identifies policies expiring in 45-60 days.
2. Outreach: The Marketing Automation tool (e.g., HubSpot, Levitate) sends an automated email/text to the client.
3. Verification: The email contains a link to a Data Intake Tool (like Canopy Connect). The client clicks to confirm or update their current life details (new car, new roof, new driver).
4. Action: If data has changed, a task is created for the agent to re-shop. If not, the renewal is auto-processed.

Takeaway: This "Exception-Based Processing" stack ensures agents only spend time on renewals that actually require attention, while the software handles the routine verification.