Life insurer
Verified · WhatsApp
Renewal notice
₹8,410.00
Due 28 Aug · Policy ****4419
Pay ₹8,410 by card
Paid
Policy renewed
Premium received
Receipt in this thread · ref PL-44190
Message
Insurance
A premium takes two minutes to pay and a fortnight to get around to.
Pelocal removed the fortnight. The reminder and the payment are the same message. Every touch stays on one thread a regulator can read.
The fortnight, drawn
Five steps, and a fortnight between them.
One step. The fortnight never opens.
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One thread
The thread carries the policy, not only the premium.
Renewal notices, premium receipts, nominee and address changes, document requests and claim status all run on the thread the policyholder already reads, in the insurer's name. The sample shows one renewal, from notice to receipt.
An illustrative sample thread. A life insurer sends a renewal notice for a premium of ₹8,410 due on 28 August. The policyholder pays it by card inside the conversation and the receipt arrives in the same thread.
Sample thread. Content shown is illustrative.
One auditable thread
Every touch on one thread.
Reminder, payment, receipt and service reply sit in one record per policyholder. One consent state governs all of it.
One record
The reminder, the payment and the reply live in a single thread the compliance team can open.
One consent state
Consent is held once and applies across every channel, and it can be withdrawn as easily as it was given.
Reconciled by default
Delivery status matches settlement on its own, so the payment and the message agree.
T+1 settlement
Money settles on a T+1 working day basis.
Settlement is on a T+1 working day basis.
On the thread
Renewals, collection and servicing.
Renewals
The reminder carries the button
The notice and the pay action are the same message, so a renewal has one fewer step to lose.
Premium collection
Every way to pay, inside the message
Debit and credit cards, netbanking, wallets and UPI, without leaving the chat. Money settles on a T+1 working day basis.
Policy servicing
Answers on the same thread
Address changes, nominee updates and document requests resolve where the reminder was sent. Compatible with all regional languages.
Four channels, one console
The message lands where people already are.
WhatsApp Business API, Google RCS, Voice AI and WhatsApp Calling run from one console. One customer record. One consent state. One template pipeline across all four.
WhatsApp Business API
Verified sender, template governance and payment by UPI, cards, net banking or wallets inside one thread, provisioned by an official Meta Business Solution Provider.
- Provisioning
- Official Meta BSP
Google RCS
Verified sender branding in the native Android inbox, for the reach of SMS with the surface of an app.
- Surface
- Default Android inbox
Voice AI
Indian-language voice agents that resolve routine calls end to end and hand the rest to your team with context intact.
- Languages
- English, Hindi, 10+ regional
WhatsApp Calling
Voice inside the thread the customer already trusts: no unknown number, no callback roulette.
- Escalation
- Verified, in-thread call
Together
Four jobs on one policy
WhatsApp carries the renewal and takes card, netbanking, wallet or UPI. RCS lands in the Android inbox. Voice AI takes routine calls in any regional language. WhatsApp Calling keeps the call in the thread.
At this scale
What the network already carries.
100Mn+
households in network
4
channels, one console
T+1
settlement, working days
Meta Business Solution Provider
Pelocal holds the BSP status directly.
- Verification, WhatsApp template review, number migration and throughput run in-house.
- Not a reseller on another provider's account.
- One template pipeline feeds all four channels.
Two ways a reminder ends.
A reminder that ends in a phone number
The policyholder means to pay, then the moment passes.
A reminder that ends in a payment
The pay button is in the message. The fortnight never opens.
Before you scope it
Questions from renewals and compliance.
The insurer's name appears on every message. Pelocal operates as the infrastructure layer carrying the renewal reminder, payment link, and service reply, but the insurer owns the sender identity, and approves all product content before it reaches the policyholder. This distinction matters for insurers evaluating vendors who want brand control without losing delivery reliability.
Under the Digital Personal Data Protection (DPDP) Act, consent must be clearly captured, auditable, and revocable at any time. Pelocal's WhatsApp renewal journeys hold consent once and apply it consistently across every channel (WhatsApp, RCS, Voice AI, and WhatsApp Calling), so it can be withdrawn as easily as it was given, without gaps between systems. For insurers, this creates a single, defensible consent record rather than fragmented opt-ins across channels.
Yes. Renewal reminders and payment messages sent through Pelocal's infrastructure follow IRDAI's regulatory framework for policyholder communication, ensuring content, frequency, and disclosure requirements are met before any template reaches production. This is particularly important for life and general insurers who need every customer touchpoint to withstand regulatory and audit scrutiny.
Premium payments collected through WhatsApp (by debit or credit card, netbanking, wallet or UPI, in-thread) settle on a T+1 working-day basis. Delivery status is reconciled automatically against settlement, so the payment confirmation and the message record agree without manual matching, giving finance and compliance teams a clean audit trail for every renewal collected.
Pelocal runs WhatsApp Business API, Google RCS, Voice AI, and WhatsApp Calling from a single console, all sharing one customer record and one consent state. This means an insurer can reach policyholders via their preferred channel (a native Android RCS inbox, a Hindi or Gujarati voice call, or an in-thread WhatsApp payment) without maintaining separate systems or re-collecting consent for each.
See a renewal thread on your own book.
A scoping call maps your policy systems, renewal volumes and languages before anyone submits a template for review.