RCS template · Utility
Policy Renewal Reminder 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 30, 15 and 3 days before expiry. 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.
Insurance buyers want advice they can trust and reminders they will not miss.
The RCS Template
Policy Renewal Reminder
Dear {customer}, your {policy} policy no. {policy_no} with {insurer} expires on {date}. Contact [Business Name] on {phone} to renew without a break in cover.SMS fallback (India, DLT format)
Dear {#var#}, your {#var#} policy no. {#var#} with {#var#} expires on {#var#}. Contact [Business Name] on {#var#} to renew without a break in cover.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 |
|---|---|---|
| {customer} | Customer | Mr. Tiwari |
| {policy} | Policy | motor insurance |
| {policy_no} | Policy no | XXXX8812 |
| {insurer} | Insurer | your insurer |
| {date} | Date | 30 Oct |
| {phone} | Phone | 98XXXXXXXX |
Filling in each placeholder
- Customer (sample: Mr. Tiwari): Use the first name or the salutation the customer gave you; fall back to a neutral greeting if the field is empty.
- Policy (sample: motor insurance): Keep the value short and specific; test the longest realistic value to check the message still reads well.
- Policy no (sample: XXXX8812): Use the same reference format that appears on your invoices, receipts or software, so customers and staff can match it quickly.
- Insurer (sample: your insurer): Keep the value short and specific; test the longest realistic value to check the message still reads well.
- Date (sample: 30 Oct): Write dates in an unambiguous form such as 14 Oct or 14 Oct 2026; avoid formats like 10/11 that customers read differently.
- Phone (sample: 98XXXXXXXX): Use a number the customer can actually reach during business hours, ideally one already shown on your website.
This template has 6 placeholders and a body of 157 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
Service updates like this suit RCS well because a card can carry buttons such as confirm, reschedule or get directions. The message must still relate to the customer's existing transaction.
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
- Send it as close as possible to the event it relates to, such as right after booking or the day before an appointment.
- Keep one purpose per message; if you need to send a reminder and a document, the reminder should still make sense on its own.
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 policy renewal reminder message?
Send 30, 15 and 3 days before expiry. 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.
Do RCS messages need brand verification?
Yes. RCS business messages are sent from a verified brand profile with your name and logo, which needs to be approved before launch.
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
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