SMS template · Marketing
Annual Coverage Review SMS Template for Insurance Agents & Brokers
A ready-to-adapt SMS 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. It can be sent manually from a panel at first and automated later through an API.
Renewals, claim support and policy documents are the moments that build long-term relationships and referrals.
The SMS Template
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].International (plain text)
[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.Example with sample values
[Business Name]: It may be time to review your family's insurance cover. Book a free review call with your advisor: 98XXXXXXXX. Insurance is the subject matter of solicitation. To opt out, SMS STOP to [opt-out number].
With these sample values the message is 222 characters in the standard GSM-7 character set, which is 2 SMS parts (square brackets count as two characters each). Long links or local-language (Unicode) text increase the count, as Unicode SMS allow 70 characters per single part.
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 |
|---|---|---|
| {#var#} | 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. Shorter messages cost less and are more likely to be read in full; aim to keep the filled-in message within one or two SMS parts.
Category and Approval
In India this is a Promotional template. It can only be sent to customers who have not blocked promotional messages, within the permitted time window, from a promotional header. Include an opt-out instruction as required by your operator.
Compliance Checklist
- The header (sender ID) and the template are registered on a DLT platform, and the template text matches exactly, apart from the variables.
- Each {#var#} holds only the kind of value it was registered for; most platforms limit each variable to 30 characters.
- Any link uses a domain whitelisted for your header, as TRAI requires for URLs in commercial SMS.
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 SMS 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.
Getting the annual coverage review message right
Offer a review, not a sale.
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 SMS 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. If customers reply, make sure someone on your team monitors and answers.
Can I send this SMS in India without DLT registration?
No. Commercial SMS in India must use a header and a content template registered on a DLT platform. Messages that do not match a registered template are blocked by the operator.
Which DLT category should I choose for this annual coverage review message?
Usually Promotional. The final category depends on your entity type, the consent you hold and your operator's guidelines, and we confirm it during registration.
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 SMS templates for Insurance Agents & Brokers
This message on other channels
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