by FidusNever lose a renewal. Or the next policy.
Every policy has dates: premium due, renewal, birthday, anniversary. We set up a system that remembers each one, reminds each client on WhatsApp the way you would, and tells your team who needs a call. You still give the advice.
- Term plan: premium due 12 Nov
- Car: renewal 28 Nov
- Health: renewal in January
- Birthday: 3 December
- Reminder sent 9:00 am
Every advisor decides differently. Here is what you can decide.
Each card is a situation your team meets every week, with choices you would make yourself. Pick yours, and the system follows them every time.
- Campaigns for term, health and motor, each with its own audience
- Creatives made with AI, approved by you before they go live
- Insurer names and plans only where your insurer has approved
- No promised returns. Every ad opens WhatsApp
- Which questions: cover type, age band, family, existing cover
- Reply at once, or a short hello and a call in the morning
- The client picks the call time
- By product: motor to one person, life and health to another
- By area or language
- You copied on every lead, or only the big cases
- Reminders 30, 15 and 3 days before, or your own rhythm
- "Paid" and "Call me" buttons on every reminder
- A list of who has not paid, while the grace period is still open
- A gentle note about restoring cover
- The advisor calls those who reply
- Or only the high-value policies, by you
- Start 30 days out, before the online ads do
- "Same cover" or "Call me" in one tap
- Next year's date set the day it renews
- The client tells you on WhatsApp
- The person who handles claims is alerted
- Updates at every step your team records
- Birthday and policy anniversary wishes
- When you note a new baby, car or home, the right follow-up is set
- A referral ask after a claim is paid, or never
- Each agent sees their own clients and renewals
- You see whose renewals are slipping, before the due date
- When someone leaves, the book stays with you
Every practice picks differently. We write yours down first, then set it up.
You give the advice. The system remembers every date.
The Kapoors · term premium due 12 Nov
Tapped “Call me” on the 15-day reminder
Mr Bedi · car insurance ends 28 Nov
Tapped “Same cover” on the 30-day reminder
Rohan and Neha · new baby noted in March
Child plan follow-up set for this week
Illustrations made with AI. Names and details are made up.
Policies don't lapse on purpose. They lapse on due dates.
- 130, 15 and 3 days before each due date: a reminder with Paid and Call me
- 2After the due date: a call list for your team while the grace period is open
- 330 days before renewal: reach them before the online ads do
What is slipping every year?
If you kept 1 in 4 of the policies you lose
₹0
a year in commission.
If 1 in 50 clients bought one more policy: ₹0
Simple arithmetic on your own numbers. Not a promise of results.
We ask first. Then we set it up your way.
Where do your clients and policies live today?
We bring in your sheets and statements: clients, policies, products and due dates, each on the right client.
How do you remind clients now, and how often?
Reminders in your words and rhythm for premiums, renewals and lapses, with buttons that tell your team who needs a call.
Who handles which product, area and claim?
Leads and renewals assigned by product or area, claims to the right person, you copied where you want.
When do you ask for the next policy or a referral?
Birthday and anniversary wishes, life-moment follow-ups and referral asks, only at the moments you choose.
- Week 1Clients, policies and due dates brought in
- Week 2Premium and renewal reminders, team alerts
- Week 3Enquiries, ads and assignment
- Week 4Lapsed policies and life moments, then weekly reviews
One client, every date remembered.
You and your team give the advice, sell the policy and help with claims. The system makes sure no date is missed, and you always know who needs a call this week.
- 1 · EnquiryAd or referral opens WhatsApp. Cover type, age and family in a few taps
- 2 · AdviceThe right advisor calls, with every answer in front of them
- 3 · PolicyPolicy, product and dates saved on the client
- 4 · Due datesPremiums and renewals reminded, unpaid ones flagged in time
- 5 · ClaimsUpdates at every step, so the client is never left wondering
- 6 · Next policyLife moments, birthdays and referrals at the right time
- Due in 15 days38
- Reminded38
- Marked paid21
- Call needed5
- Renewed this month64
Every due date, one view
- Same amount as last year
- Reminder 2 of 3
Premium reminder
- Tapped "Call me"
- Wants to add a second car
Team alert
- Ravi92%
- Simran88%
- Aman71%
Your team
An illustration. Names and numbers are made up.
Working with Fidus, in their words.
I’ve been using this CRM for the past 2 months, and it has helped me automate and systemize my business. Calls are being booked automatically, and clients are receiving regular follow-ups through email and WhatsApp. My show-up rate has increased, and my closure rate has improved as well. This is a must-have for every…
I want to give a massive shoutout to the incredible team at Fidus Synergies LLP. Finding a vendor is easy, but finding a true tech partner in your progress is rare—and that is exactly what they have been for us during the beta development of our cross-platform Vendor Management application. A huge part of this…
Reviews from Google, shown as written. See all reviews
How can I reduce policy lapses?
Remind early and more than once. A note 30 days before the premium is due, a reminder at 15 days, a last one at 3 days with a "Paid" button, and a list for your team of who has not paid while there is still a grace period. Lapsed clients get a gentle message about restoring cover, and the advisor calls those who reply.
What is the best way to send premium reminders on WhatsApp?
Use the official WhatsApp Business platform with approved message templates, send only to clients who have agreed to hear from you, and keep each message short: the policy, the amount, the due date and a way to reply. Buttons like "Paid" and "Call me" tell your team who needs attention.
How do I stop motor renewals going to online aggregators?
Reach the client first. Online ads start weeks before expiry, so start your reminders 30 days out, offer "renew with the same cover" in one tap, and remind them about keeping their no-claim bonus by renewing on time.
How do insurance agents get more clients?
Most new business comes from existing clients: their family, their friends and their next policy. Staying in touch on birthdays and anniversaries, helping well with claims, and asking for a referral after a good experience brings the best leads. Ads work too when each enquiry is answered quickly and followed up.
Does FLO connect to insurer portals or pull policy data?
No. Policy numbers, products and due dates come from your own sheets and statements, which we bring in at the start. After that, your team updates them or we import fresh lists on a schedule. Premiums are paid to the insurer as usual.
Can I advertise insurance on Facebook, Instagram and WhatsApp?
Advertising insurance in India is governed by IRDAI rules, and ads that name an insurer or a plan usually need that insurer's approval. We keep your ads general unless your insurer has approved the material, and we never promise returns or claim outcomes. Check with your insurer or compliance team for your case.
Our client data is sensitive. Who can see it?
Only your team, with access you control by person. We do not share or use your data. We suggest keeping medical details out of the system and storing only policies, dates and contact details. If you want an NDA, we sign one.
Does it work for an agency team?
Yes. Each agent sees their own clients and renewals, leads are shared by product or area, and the manager sees whose renewals are slipping before the due dates pass.
What happens to clients when an agent leaves?
They stay with your firm. Chats, notes and dates sit on each client, and the whole book can be passed to someone else with the full history.
Is this a standard setup?
No. Every practice works differently, so every setup is different. We start by writing down how you would look after each client yourself, then set the system up to do the same.
Who pays for ads, WhatsApp and AI?
You do, directly. Meta ad spend, WhatsApp message charges and AI usage are billed to your own accounts by those platforms at their published rates. Our fee covers setting up and running the system.
By what we set up for your insurance practice, not per client. Meta ad spend, WhatsApp message charges and AI usage are paid directly by you to those platforms, at their published rates. We quote after a short assessment, so you know the full cost before anything starts.
Start with the free assessment →Tell us how you remind clients today. We will show you where policies slip away.
No demo script. A conversation about your business, your customers and what's slipping today.
We take on only a few new businesses each month. The first months need real attention, and we don't rush them.