WhatsApp Templates · Insurance Agencies & Brokers
WhatsApp message templates for insurance agencies
An insurance agency usually needs around six templates: five utility for renewals, policy issuance, premium due, claim status and document delivery, plus one marketing template for a cross-sell or referral offer. Renewal and claim threads dominate the year, and both are already part of the customer's policy relationship.
Renewals lapse quietly when reminders get lost in email, and claims generate anxious calls. WhatsApp carries the notice, the document and the status update on one thread the customer can reread. A customer-initiated message opens a 24-hour window; notices the agency starts after it need an approved template.
Policy Renewal Reminder
UtilitySend it when: Before a policy falls due and the customer needs to confirm continuation.
Your {{1}} policy {{2}} renews on {{3}}. Reply to confirm continuation or to ask about adjusting the cover.Policy Document Delivery
UtilitySend it when: When a new or renewed policy schedule and certificate are ready to share.
Policy {{1}} is issued. Your documents are attached. Sum assured {{2}}. Keep this handy for any claim.Premium Due Notice
UtilitySend it when: When an instalment premium is approaching and payment is expected.
A premium of {{1}} for policy {{2}} is due on {{3}}. Please pay on time so the cover is not interrupted.Claim Status Update
UtilitySend it when: While a lodged claim is moving through survey, assessment or settlement.
Update on claim {{1}}: current stage is {{2}}. We will inform you as soon as the next step is set.Claim Documents Needed
UtilitySend it when: When the insurer needs additional papers to process a claim.
For claim {{1}} we still need {{2}}. Kindly send by {{3}} so assessment is not held up.Cover Review Offer
MarketingSend it when: To existing customers when recommending an added cover or a family plan.
{{1}}, your current cover may not reflect {{2}}. Reply and we will run a quick review and share options for you.How the category changes what you pay
- Every template is submitted under one category, and Meta assigns the final one in review. A utility template that reads like a promotion can be reclassified as marketing, which changes both the rate and the opt-in requirement.
- Since 1 October 2026, service messages are charged per delivered message after the first 1,000 free service messages per business phone number per month. The allowance does not roll over and there are no volume tiers.
- Inbound messages are free, and a customer-initiated message opens the 24-hour customer service window. Anything you start outside that window needs an approved template.
Insurance Agencies & Brokers on WhatsApp: common questions
Send these from your own number, with a team behind it
BNex runs the official Meta WhatsApp Cloud API with a shared inbox, campaign broadcasts and a visual flow builder. Connect a number, submit these templates, and start on the free plan — no credit card.