FormantAI
Insurance renewal reminders before the grace period.
Message and call templates for life, health and motor renewals, in English and Hindi, timed to the policy.
When to remind
Renewals are won or lost on timing. A simple sequence most insurers can run:
- 30 days before due: message with premium, due date and payment link.
- 7 days before: a call — explain any premium change and answer questions.
- Due date: short message with the link.
- During the grace period: calls with the date cover is at risk, and a human callback for objections.
For life insurance, the grace period is typically 15 days for monthly premiums and 30 days for other modes; check the terms of each policy. Health and motor policies have their own renewal windows — always read the dates from your policy admin system.
Premium, date, link.
Dear {#var#}, your policy {#var#} is due for renewal on {#var#}. Premium: Rs {#var#}. Renew online in 2 minutes: {#var#} - [Insurer]
प्रिय {#var#}, आपकी पॉलिसी {#var#} का नवीनीकरण {#var#} को देय है। प्रीमियम: ₹{#var#}। ऑनलाइन रिन्यू करें: {#var#} - [Insurer]
Hi {{1}}, your policy {{2}} premium of ₹{{3}} was due on {{4}}. You are in the grace period — renew by {{5}} to keep your cover continuous: {{6}}. Questions? Reply here.
Your policy {number} renews on {date} — premium ₹{amount}
Keep your cover: renewal due in 7 days
Grace period ends {date} — renew in 2 minutes
Explain the premium. Send the link.
The call does what a message cannot: explain why the premium changed, handle "too expensive" or "call my spouse", and take payment during the conversation.
Namaste, main Riya, [Insurer] ki automated assistant. Kya main Anil ji se baat kar rahi hoon?
Haan, boliye.
Anil ji, aapki term policy ka ₹18,400 ka premium 22 tareekh ko due hai. Kya main payment link WhatsApp par bhej doon?
Pichhli baar se zyada hai?
Ji, aapke plan mein is saal ka premium yahi hai. Aap chahein toh main advisor se callback book kar doon jo detail mein samjha dein?
Amounts, names and dates are illustrative. Register SMS templates on DLT and WhatsApp templates with your provider before use.