WhatsApp for Policy Renewal

The automated renewal flow, step by step

InfiQ turns 'someone should call the renewals list' into a flow that runs itself. An upcoming expiry date in your CRM or policy system fires the trigger; a personalised utility template goes out carrying the policy number, product, sum assured or cover, premium due and a payment button; the customer taps to pay or to request a callback; and the outcome is written back so paid customers immediately drop out of the remaining sequence. Because renewal is time-sensitive, the flow is staged across the run-up to expiry rather than fired once.

• T-30: a friendly heads-up with the premium amount and due date, so there are no surprises
• T-7: a firmer reminder with the one-tap payment link front and centre
• T-1 / expiry day: a final nudge, optionally flagging the grace period
• On payment: an instant confirmation and updated policy schedule inside the free 24-hour service window
• On 'Talk to agent': a clean handoff to your team with full context attached

Templates and categories that keep cost predictable

Getting the template design right is what keeps a renewal programme both compliant and affordable. A factual reminder tied to a specific policy — number, premium, due date — is a utility template and covers the vast majority of renewal traffic. Payment OTPs are authentication templates. Only genuinely promotional content, such as an early-bird renewal discount, a no-claim reward or an add-on cross-sell, counts as marketing and requires prior promotional opt-in. This distinction matters commercially: since Meta moved off per-conversation billing on 1 July 2025, WhatsApp bills per delivered message by category, so a utility-first renewal design and the fact that paid customers exit the sequence together keep your spend tightly bounded. InfiQ handles template drafting and submission for Meta approval and applies transparent ₹ platform pricing (ex-GST), so you can forecast renewal-season cost against real volume before you send.

Plug it into the stack you already run

Renewal automation only pays off when it fires off real data without anyone exporting a spreadsheet. InfiQ triggers reminders straight from the systems your business already runs — CRM records, policy-admin systems, payment gateways and storefronts — so the right customer gets the right reminder on the right day, and outcomes flow back automatically. Payment links from your gateway sit inside the template button, and confirmations post back the moment a premium clears.

• Zoho CRM and similar CRMs as the source of expiry dates and customer records
• Razorpay and other gateways for the in-message premium payment link
• Shopify or your policy-admin backend for triggering and status write-back
• Custom webhooks and APIs when your core system is bespoke

Built for the way Indian insurance actually renews

Renewal rhythms differ sharply by product, so the flow is tuned rather than one-size-fits-all. Motor renewals are date-hard and benefit from an early T-30 touch plus a grace-period nudge; health renewals reward continuity messaging so customers don't lose accrued benefits by lapsing; term and life renewals suit a calmer, reassurance-led tone; and two-wheeler or micro-insurance books lean on low-friction, single-tap payment because premiums are small and attention is short. The same engine serves general insurers, life insurers, brokers, corporate agents, NBFCs bundling cover, and independent advisors managing a personal book — each with cadence, copy and language matched to their customers. Whatever the line, the goal is identical: make renewing so easy that the customer does it before the reminder even ages out of the thread.