RCS template · Marketing
Annual Coverage Review RCS Template for Insurance Agents & Brokers
A ready-to-adapt RCS message for insurance agents, brokers and advisors, with placeholders, sample values and compliance notes.
When to Send This Message
Send to opted-in clients once a year. For insurance agents, brokers and advisors, this is one of the everyday messages that keeps policyholders informed without a phone call. Most businesses send it automatically from their software, so the timing is consistent.
Renewals, claim support and policy documents are the moments that build long-term relationships and referrals.
The RCS Template
Annual Coverage Review
[Business Name]: It may be time to review your family's insurance cover. Book a free review call with your advisor: {phone}. Insurance is the subject matter of solicitation.
Reply STOP to opt out.SMS fallback (India, DLT format)
[Business Name]: It may be time to review your family's insurance cover. Book a free review call with your advisor: {#var#}. Insurance is the subject matter of solicitation.
To opt out, SMS STOP to [opt-out number].Replace [Business Name] with your registered brand name. Links shown use example.com as a placeholder; use your own domain.
Placeholders and Sample Values
| Placeholder | Meaning | Sample value |
|---|---|---|
| {phone} | Phone | 98XXXXXXXX |
Filling in each placeholder
- Phone (sample: 98XXXXXXXX): Use a number the customer can actually reach during business hours, ideally one already shown on your website.
This template has 1 placeholder and a body of 173 characters before values are filled in. RCS card descriptions can be longer than SMS, but the first line should still carry the key information, as previews are truncated.
Category and Approval
Promotional RCS messages should only go to customers who have agreed to receive marketing messages, with an easy way to opt out, following the same consent principles as SMS.
Compliance Checklist
- Your brand (name, logo and description) is verified with the RCS provider before launch.
- Suggested replies and actions are short (25 characters or fewer per chip) and each one leads somewhere useful.
- An SMS fallback is configured, and in India the fallback text uses a DLT-registered template.
Rules to keep in mind for Insurance Agents & Brokers
IRDAI regulations govern how insurance is advertised and sold, including rules on advertisements and requirements to state the insurer's name, registration and that insurance is the subject matter of solicitation. Agents must use approved material and never guarantee claim outcomes.
General guidance, not legal advice. Rules change, so confirm current requirements before launch. See our RCS compliance guide for India.
Tips for Better Results
- Limit frequency; a few relevant messages perform better and attract fewer opt-outs than frequent broadcasts.
- Send only to people who have opted in, and record when and where they did so.
Where this message fits for Insurance Agents & Brokers
Insurance buyers compare quotes online or through brokers, ask about cover, exclusions and claims processes, and buy around renewal dates or life events such as buying a car, home or having a child. Renewal is the critical moment, as many customers switch if not contacted early.
Search and comparison sites drive quotes; WhatsApp answers cover questions and collects documents; SMS sends renewal reminders and claim status; voice calls handle complex sales and claims; email delivers policy documents.
Campaign ideas that pair with this template
- Renewal reminders 45, 30 and 7 days before expiry
- Claim status updates by WhatsApp
- Life event campaigns, such as new car or new home cover
Need this RCS template set up?
We register, submit and connect templates for you, and send test messages before launch.
Questions About This Template
When should a insurance advisory send the annual coverage review message?
Send to opted-in clients once a year. Sending it at a consistent time builds trust and reduces follow-up calls.
What happens if the customer's phone does not support RCS?
The message falls back to SMS. In India the fallback must use a DLT-registered template, which is why this page includes the SMS version.
Can I add images to this message?
Yes. A rich card can include an image or short video. Keep important details in the text as well, since not everyone views the image.
Can DND Teams set this up for my insurance advisory?
Yes. We adapt the template to your business, register or submit it, and connect it to your software or our panel. Share your use case on WhatsApp or through the form.
Related Templates
More RCS templates for Insurance Agents & Brokers
This message on other channels
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