SMS for insurance companies and agents

Bulk SMS for insurance companies and agents

Remind policyholders before the premium is due, confirm every receipt and policy, and keep claimants updated at each step from intimation to settlement.

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Life and general insurersInsurance brokersCorporate agents and bancassurance teamsIndividual POSP and agency partners

SMS from an insurance broker header with a health claim status showing documents pending, and a later settlement confirmation

What SMS do insurance companies send to policyholders?

Insurers, brokers and agents send SMS for premium due and grace period reminders, premium receipts, policy issuance with the policy number, motor and health renewal notices, claim intimation numbers, document-pending and settlement updates, and OTPs to sign proposals or verify KYC. Policy messages are service implicit; cross-sell offers to policyholders are promotional unless they consented.

Updated 15 Nov 2026

Key facts: SMS for insurance companies and agents

Channel: Bulk SMS
Best for: Premium due and grace period; Premium receipt; Proposal e-sign and KYC OTP
SMS categories: Service implicit, OTP
Who it suits: Life and general insurers, Insurance brokers, Corporate agents and bancassurance teams, Individual POSP and agency partners
Rules: TRAI DLT: registered entity, header and content template for every SMS; promotional SMS only 10 am to 9 pm and not to DND numbers
Pricing model: Prepaid credits quoted by volume, GST extra. How pricing works
Integration: REST API and webhooks (message.delivered, message.failed, message.clicked) into your own software. SMS API

What problems does SMS solve for insurance companies and agents?

Policies lapse in the grace periodThe policyholder changed bank accounts, the auto-debit failed, and nobody noticed until the cover had lapsed and a claim was rejected.

Claimants chase the call centreOnce a claim is filed, the family calls daily to ask for status, and every call costs the contact centre time.

Motor renewals lost to the dealerThe vehicle owner renews wherever the first reminder came from, and that is rarely the agent who sold the policy.

Which SMS should insurance companies and agents send?

Service implicit

Premium due and grace periodBefore the due date, and again during the grace period, with the policy number, amount and a payment link.→ Fewer lapsed policies

Service implicit

Premium receiptConfirms the amount received, the policy covered and the next due date.→ Fewer receipt queries

OTP

Proposal e-sign and KYC OTPA one-time code to sign the proposal form or confirm KYC details during a digital sale.→ Faster issuance

Service implicit

Policy issuedPolicy number, cover start date and a link to download the policy document.→ Clear records

Service implicit

Claim intimation and statusClaim number on intimation, then documents pending, surveyor assigned, approved and settlement amount.→ Fewer status calls

Service implicit

Motor and health renewalRenewal notices 30, 15 and 3 days before expiry with the premium and a renewal link.→ Higher retention

Ready-to-use SMS templates for insurance companies and agents

Copy, edit and use these as a starting point.

Premium dueService implicit

Dear {#var#}, premium of Rs {#var#} for policy {#var#} is due on {#var#}. Pay now to keep your cover active: {#var#} -Suraksha Insurance Brokers

Claim updateService implicit

Dear {#var#}, status of your claim {#var#}: {#var#}. {#var#} -Suraksha Insurance Brokers

Proposal OTPOTP

{#var#} is your OTP to sign the proposal for {#var#} with Suraksha Insurance Brokers. Valid {#var#} minutes. Never share it with anyone.

How does SMS work for insurance companies and agents?

Policy and claim events are recordedDue dates, receipts, issuance and claim stages live in your policy admin, broking or claims software.
Templates fill automaticallyPolicy number, amount and status go into the registered template and out from your header.
Reminders repeat until paidDue and grace period reminders stop as soon as the receipt is posted.
Agents see the trailDelivery reports and link clicks return by webhook to the agent's CRM, ready for a follow-up call.

Connect your softwarePolicy administration, broking and claims systems can call the MsgClub API at each event; agents can import renewal lists from Excel or connect a CRM through Zapier. SMS API · API and webhooks · Pricing

CompliancePremium, policy and claim messages are service implicit. Cross-sell offers are promotional and must also follow IRDAI's rules on insurance advertisements and distributor disclosures. Never include full bank or health details in SMS.

Which other channels suit insurance companies and agents?

Use them together from one account, with shared contacts, reports and webhooks.

WhatsApp for insurance companies and agentsHow do insurance companies use WhatsApp?See WhatsApp

RCS for insurance companies and agentsHow do insurance companies use RCS messaging?See RCS

IVR for insurance companies and agentsHow is IVR used in insurance?See IVR

Voice broadcast for insurance companies and agentsHow do insurers use voice broadcast for renewals?See Voice broadcast

Missed call for insurance companies and agentsHow do insurers and agents use missed call numbers?See Missed call

AI calling for insurance companies and agentsTwo-way AI agents that talk to callers in Hindi, English and other Indian languages, unlike a recorded message.See AI Voice

Compare every channel for insurance companies and agents

Questions about bulk SMS for insurance companies and agents

Should insurers use the transactional SMS category?

Usually not. Under current DLT practice the transactional category is meant mainly for banks' transaction alerts and OTPs. Insurers and agents register premium, policy and claim messages as service implicit, which also reaches DND numbers at any hour, and use the OTP category for proposal and KYC codes.

Can an agent send renewal reminders to their own clients?

Yes. An agent or POSP can register as an entity on DLT and send renewal reminders for policies they sold as service implicit messages. Check your insurer's or broker's guidelines on customer communication, and keep the wording factual, without offers mixed in.

Are cross-sell offers allowed by SMS?

Yes, as promotional SMS from a numeric header between 10 am and 9 pm, or as service explicit to customers who consented. IRDAI regulates insurance advertisements, so the text must follow its rules, including how the product and distributor are described. Get compliance sign-off before registering.

How many renewal reminders should we send?

Three before expiry and one or two in the grace period is common, for example 30, 15 and 3 days before, then shortly after the due date. Stop the sequence as soon as payment is received, so a policyholder who renewed does not get another reminder.

Can claimants upload documents from the SMS?

They can open a link to your upload page, but SMS itself cannot carry files. Put the link in the documents-pending template as a variable from a whitelisted domain. For claimants who opted in, WhatsApp lets them send photos of bills and reports directly.

Is a voice call better for lapsed policies?

Often, alongside SMS. A policy in its grace period is worth a call, and a recorded voice broadcast or an AI voice call can reach many policyholders at once. SMS remains the written reminder with the amount and payment link.