Premium due
UtilityHi {{1}}, the premium of ₹{{2}} on your policy ending {{3}} is due on {{4}}. Reply PAY for the payment link.
IndustriesFinance & Insurance
WhatsApp Business API for finance & insurance
Fewer lapsed policies and missed EMIs. Fewer awkward calls.
Finance runs on timing and trust. Remind customers before a payment is due, deliver documents safely, answer status questions without a queue and follow up leads while they are still interested, in language your compliance team can review.
No per-message markup. You pay Meta’s rates; we add nothing on top.
Sure Shield Insurance
Business account
Hi
Welcome to Sure Shield. How can we help?
Premium due date
Please send your policy number. For your security, we will never ask for card details, PINs or OTPs here.
SS-4471920
The next premium on policy ending 1920 is due on 18 Nov. Would you like the payment link sent to your registered number?
Sound familiar
Renewals and instalments slip, and the calls to chase them are costly
A premium or EMI missed by a few days becomes a lapsed policy or a collections case. Reminders by SMS are ignored, and phone calls cost money and goodwill.
Customers want a document, a status or a due date, and are put on hold for it. Leads from ads and referrals are called late, when they have already spoken to someone else.
What changes
Six things that stop costing you time
Reminders that are read
A message before a premium or EMI is due, and one after, on an app customers open daily. Neutral, polite and automatic.
Fewer lapses at renewal
Renewal notices sent early enough for the customer to act, with a clear next step.
Documents delivered into the chat
Policy copies, statements and receipts sent as files on request, once the customer is identified.
Status without a queue
Application, claim or loan status returned from your system, not by a person reading a screen.
Leads followed up while warm
Enquiries from ads or referrals get an immediate reply, a few qualifying questions, and a briefed adviser.
A record of what was said
Every conversation sits in a shared inbox with the customer’s history, which helps both service and audit.
Automated enquiry handling
A customer asks when their premium is due at lunchtime. The answer arrives before their break ends.
The bot answers routine questions from your own systems and never asks for sensitive credentials. Anything involving advice, a decision or a dispute goes to a person.
The bot never gives financial advice and never asks for card numbers, PINs or OTPs. Anything beyond status and documents goes to a person.
Built for how regulated businesses work
The parts specific to your trade
Accuracy and compliance shape this business. These add-ons are built around that.
Policy, loan and CRM integration
Due dates, statuses and documents come from your own systems, so the answer is always accurate. We connect through the API, priced on what your systems need.
Compliance review of your messages
Regulated businesses have their own rules on what can be sent and how. We write messages to your compliance team’s brief and make revisions as they ask.
Additional bot flows
A separate journey for agents and advisers, a renewals campaign or an onboarding sequence. Quoted on what each involves.
These sit outside the base plan and are priced on what they involve. See add-ons.
Example messages
What your customers would actually receive
Four messages a finance or insurance business typically starts with. None contains a full account number or any credential.
EMI due
UtilityHi {{1}}, your EMI of ₹{{2}} for the loan ending {{3}} is due on {{4}}. Reply STATEMENT for your schedule.
Payment received
UtilityHi {{1}}, we have received ₹{{2}} against the account ending {{3}} on {{4}}. Thank you. Your receipt is attached.
Renewal notice
UtilityHi {{1}}, your policy ending {{2}} is due for renewal on {{3}}. Reply RENEW and an adviser will help you complete it.
Wording is illustrative. The category shown is what each message would normally be submitted under, and Meta makes the final decision — which is why we write and categorise yours with you.
Day to day
What a finance or insurance business hands to WhatsApp
The jobs below are the ones businesses in this sector usually move over first, once the number is live.
Reminders
Due-date reminders before and after a premium or EMI.
Renewals
Notices early enough for the customer to act.
Documents
Policies, receipts and statements delivered on request.
Status
Application, claim and loan status from your system.
Lead follow-up
Immediate replies and briefed advisers for new enquiries.
Before you ask
Common questions
Is it appropriate for regulated financial products?
The channel is the official WhatsApp Business API and is widely used for service messages. What you say on it remains subject to your regulator’s rules, so we write to your compliance team’s brief and keep sensitive actions off the chat.
Can the bot ask for KYC documents?
We recommend collecting documents through your own secure process and using WhatsApp to prompt and guide. If you decide to collect through chat, that is a decision for your compliance team, and we will set it up the way they approve.
Can we send promotional messages for loans or insurance?
Only to people who opted in to promotions, using approved marketing templates, and subject to your sector’s rules on solicitation. Service messages and promotional ones are kept separate.
How does the bot know who it is talking to?
It asks for a policy, account or customer number, and checks it against your system. For sensitive actions, we route to a person or a secure link.
More general questions, including cost and verification, are on the FAQ page.
Related
Also set up for
14 days free
Start your trial
Tell us about your finance & insurance business and we’ll set up your panel. No card required.
- Your panel is ready immediately. You can look around and prepare templates while business verification runs, so the trial is not spent waiting.
- No card, no automatic subscription. No plan starts unless you tell us to continue. Meta’s message charges apply from your first message, trial or not.
- We reply within one working day to confirm the next step and what verification will need from you.
- Opt-in contacts only. Spam and messaging purchased data are not allowed, and accounts found doing it are suspended without notice and without refund. Read the policy.
- No markup on messages, ever. You pay Meta’s rates. We add nothing on top, on any plan.
Not ready to sign up? Raise a ticket at concordtechnosoft.com and ask whatever you need to ask first.