Premium reminders on WhatsApp: the full journey for a brokerage
How a brokerage chases premiums due on WhatsApp: a 10-day, 3-day and overdue cadence, sample messages, Meta template rules and how ORIS organises it.
Outside the 24-hour window that follows a client's last message, WhatsApp only lets a business send templates approved by Meta. Each template has a category: utility when it relates to an existing policy or request (premium due, documents, claim), marketing when it offers something new, which requires the client's consent. Each page gives the intended category, variants by tone, and the mistakes that get a template rejected.
The six templates a brokerage uses most: premium reminder 10 days before, sending a quote, renewal notice, claim acknowledgement, new client welcome and document request.
Variables in braces ({prenom} for the first name, {date}, {montant} for the amount) are replaced with the client's data. To understand how Meta categorises and approves templates, read template approval for brokers; for the full journey around each message, see the use cases.
How a brokerage chases premiums due on WhatsApp: a 10-day, 3-day and overdue cadence, sample messages, Meta template rules and how ORIS organises it.
How to run a brokerage renewal cycle on WhatsApp: the 60-day list, cover review, renewal terms, handling objections, confirmation and document delivery.
Returned debit order, failed card payment or missing mobile-money transfer: a brokerage's WhatsApp follow-up, from first message to reinstatement or lapse.
Notification, documents, assessment, settlement: a brokerage's WhatsApp journey for following up a claim, with sample messages, Meta rules and pitfalls.
Horizontal sales CRM with a WhatsApp add-on, or a CRM built around WhatsApp for brokers: pipeline, shared inbox, templates, opt-in, cost, integrations.
Free app on one phone or the Business Platform (API) with software: cost, templates, 24-hour window, team access, records. Which fits your brokerage?
WhatsApp template to warn a client ten days before their premium is due: debit order, Direct Debit and mobile money variants, from plain to formal tone.
Final WhatsApp reminder three days before an insurance premium is due: short text, one clear action, debit order, Direct Debit and mobile money variants.
WhatsApp template to chase an unpaid premium without losing the client: unpaid debit order, failed Direct Debit, mobile money, policy-based lapse wording.
WhatsApp template for sending a motor, home or business insurance quote: three-line summary, PDF attached, closed question, variants by tone and client.
WhatsApp template to follow up a prospect who has not answered an insurance quote: timing, tone, closed question, marketing opt-in and Meta template rules.
WhatsApp template to announce a policy renewal: new premium, renewal date, right to cancel, with plain, warm, mobile money and commercial-lines variants.
WhatsApp template confirming a policy has renewed: PDF schedule or certificate, premium received, next renewal date, plain, warm and commercial variants.
WhatsApp template acknowledging a client's claim notification: reference, documents needed, next step, reassuring tone, no promise about the outcome.
WhatsApp template to update a client on their claim: assessor appointed, insurer decision, settlement paid, or simply no news yet, with no promises.
WhatsApp template to request documents from an insurance client: numbered list, expected format, deadline, and what should never be collected on WhatsApp.
WhatsApp template confirming a client's documents have arrived: what is complete, what is missing or unreadable, and what happens next, within the window.
WhatsApp welcome template for a new insurance client: who their representative is, what the number is for, how to claim, opt-in reminder, office hours.
Template to capture a client's WhatsApp consent the right way: service and marketing consent kept separate, POPIA and PECR notes, variants for SA and UK.
WhatsApp marketing template for brokers offering health cover to existing motor or household clients: gap cover, hospital cash plans, PMI, opt-in rules.
WhatsApp template to reconnect with an insurance client who has gone quiet: when to send, marketing opt-in rules, plain and warm variants, pitfalls.
WhatsApp template to measure client satisfaction once a claim is closed: timing, three-button question, repudiated claims, handling unhappy replies.
WhatsApp template for a policy anniversary: propose a cover review before renewal, with personal, family and commercial variants and the marketing rules.
WhatsApp template when a client has a new baby: congratulations, adding the child as a dependant, life and funeral cover review, SA and UK variants.
WhatsApp templates for adding a vehicle to a commercial fleet policy: documents to request, acknowledgement, endorsement confirmation, certificate.
WhatsApp utility template for an unpaid debit order or failed premium: early notice, a concrete fix, variants for South Africa, mobile money and the UK.
WhatsApp template inviting a satisfied client to refer friends or colleagues: timing, a low-effort ask, SA and UK variants, and the regulatory limits.
WhatsApp appointment reminder template for brokers: the day before and two hours ahead, documents to bring, video calls, personal and commercial variants.
WhatsApp template for sending a certificate of insurance or confirmation of cover as a PDF: motor, fleet, liability; checks, wording, common mistakes.
Template to close a WhatsApp conversation with an insurance client properly: recap, next step and date, how to reach the brokerage, variants and mistakes.