Policy Renewal Reminders and Lead Campaigns for Insurance

The two jobs every insurance team juggles

An insurance agency, broker or POSP network does two very different things with its phone list. One is keeping existing policyholders covered: health, motor and term policies come up for renewal and someone has to remind them. The other is finding new customers who actually want to talk about a policy right now. Both are usually done by the same small team making calls from a spreadsheet.

Smart Growth AI separates the two and automates the repetitive parts, while keeping licensed advisors in charge of every actual conversation about cover.

Renewal reminders that reach people

Upload your renewal list or connect it via webhook/API from your CRM. Reminders go out at the intervals you set before the due date.

• WhatsApp template with policy type, due date and a renewal or payment link. A Razorpay link can be added where you collect premium directly.
• RCS fallback for numbers where WhatsApp did not deliver, with a clear button to renew or call back.
• DLT-compliant SMS as the last fallback, so the reminder is not silently lost.
• Voice reminder for policyholders who prefer a call, with press 1 to talk to your renewals desk.

Replies land in a shared team inbox. A question like "can I change my nominee?" goes to a person, not a bot.

How lead campaigns work for insurance

For new business, the Smart Growth AI Campaign starts with a short voice clip about a specific product, say a family floater health plan or a two-wheeler policy, played to a list of people who have agreed to hear from you.

• Everyone who answers gets an SMS with your call-back number.
• Those who hang up within about 10 seconds are treated as not interested and are not sent paid follow-ups.
• Those who listen 10 to 25 seconds get an RCS carousel explaining the plan's features in plain words.
• Those who listen past 25 seconds get a WhatsApp template with short explainer videos.
• Anyone who presses 1 is connected to a live advisor straight away, and the advisor gets a notification of who called and which clip they heard.

This is how the campaign avoids spending WhatsApp and RCS budget on the whole list. On a 3 lakh list, our worked example at example rates shows ₹2,47,210 for sending everything to everyone versus ₹1,00,501 for the intelligent approach, around 59% lower. Your own quote and response will differ.

What the bot will and will not say

Chatbots and templates share facts you provide: plan names, due dates, documents needed, office timings, claim intimation steps. They do not recommend a policy, compare cover for an individual, or promise claim outcomes. Those conversations belong with a licensed advisor, and the bot hands over to one. Your compliance team signs off on scripts, templates and disclaimers before anything goes live.

Consent, DND and opt-out

Campaigns should run only on numbers with valid consent. Every channel includes unsubscribe handling, and an opt-out on one channel can be applied across voice, SMS, WhatsApp and RCS. SMS uses your DLT-registered headers and templates. Numbers on DND are handled according to the rules for your message category, with RCS used where it is permitted.

Leads, reports and follow-up

Every interested lead goes into a Google Sheet you choose, or into your CRM via webhook/API, with name, mobile, city, product interest, listening duration and key pressed. The AI campaign report shows cost per lead and which clip or template worked better, so the next campaign starts smarter. People who engaged can also be retargeted with Meta ads.

Want to see it with your own renewal list? Book a demo and our team will walk you through it.