Insurance premium payment reminder app - WhatsApp reminders for upcoming premium installments, due dates and overdue amounts. Each reminder includes a click-to-pay link for immediate digital settlement, with auto receipts on payment. Stop your customers from lapsing because they forgot to pay.
Half of life insurance lapses are not from refusal - they are from forgetting. A WhatsApp reminder with a payment link saves most of them.
15 days, 7 days and 1 day before the premium due date, WhatsApp reminders fire automatically with the exact amount and click-to-pay link.
For missed payments: same-day, 3-day, 7-day, 15-day reminders escalate in tone. Recovers most overdue premiums before policy lapse penalties kick in.
Each reminder includes a one-tap payment link - UPI, card, net banking. Customers can settle directly without calling you. You get instant notification.
On successful payment, an auto-receipt fires on WhatsApp with policy details, premium amount, transaction ID and next due date. Professional touch.
Life policies often have monthly/quarterly/half-yearly installments. Each schedule is tracked separately with its own reminder cadence.
For policies on the verge of lapsing, a final 'last chance' reminder includes the consequences: NCB loss, IDV reset, life-cover gap. Strong recovery tool.
Create your Agenex account in 60 seconds. No credit card. First 10 policy entries and 5 RC checks are free.
Upload your Excel sheet, or paste from a notebook - Agenex turns notebook scribbles into a searchable client database.
Turn on insurance premium payment reminder app in one click. WhatsApp, SMS, payment links and reports start flowing automatically.
Life insurance has the highest lapse risk among insurance lines because of installment payments. A monthly premium of Rs.2,500 sounds small - but a customer with 4-5 active life policies receives 4-5 separate due-date stresses every quarter. Most lapses happen not because the customer cannot pay, but because the customer forgot, the auto-debit failed, or the payment link expired before they got around to clicking. A simple WhatsApp reminder fixes most of these.
Insurance premium payment reminder app inside Agenex tracks every installment per policy with its own due date and amount. Reminders fire automatically on a 15/7/1 day cadence - not a generic message but a specific WhatsApp with the policy number, the amount due and a one-tap payment link. The customer pays in 30 seconds without calling you, you get instant payment notification, and the auto-receipt arrives in their inbox before they even close the app.
For agents serving 200+ life policies, the lapse-prevention math is significant. Without reminders, typical lapse rate is 8-15% annually. With Agenex reminders, lapse rates fall to 3-5%. For an agent earning Rs.5 lakh in life-renewal commission, that is Rs.40,000-Rs.60,000 of recovered annual commission - enough to pay for the platform many times over. Plus, the customer experience of receiving timely, personalised reminders builds the kind of trust that drives multi-policy household sales over time.
insurance premium payment reminder app - Agenex is built specifically for this use case in the Indian insurance market and is fully ready for the 2026 agent workflow.
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Available in Hindi, Marathi, Tamil, Telugu, Bengali, Gujarati, Punjabi, Kannada, Malayalam - beema agent ke liye best app, sasta insurance management software, mobile se insurance record kaise rakhe.
Yes - any installment frequency. Annual, half-yearly, quarterly, monthly and even custom schedules are supported. Each policy's schedule is captured at policy entry and reminders fire on the right cadence per installment thereafter.
UPI (Google Pay, PhonePe, Paytm), credit card, debit card and net banking - all major Indian payment methods. Payment is processed by integrated gateway providers; you can also configure direct UPI VPA so customers pay you directly without gateway charges.
Yes. The integration with payment gateways notifies Agenex of failed auto-debits, and the overdue sequence kicks in immediately. Customers get a same-day WhatsApp asking them to retry payment manually, with the click-to-pay link. Recovery rates for failed auto-debits typically jump from 30% to 70%+ with this flow.
Agenex powers the full daily workflow of an Indian insurance agent. Below is a typical day - and the Agenex modules that handle each step.
Open the dashboard. Today's renewal list is ready - sorted by client priority, premium, RTO. Vehicle multi-expiry shows Insurance, PUC, Fitness, Tax, Permits, CNG and Meter all at once.
One tap fires WhatsApp messages to today's expiring clients. Each message goes in the customer's own language - Hindi, Marathi, Tamil, Telugu, Bengali, Gujarati, Punjabi, Kannada, Malayalam or English.
9 AM auto-sends birthday WhatsApp to clients in their preferred language. You don't lift a finger. Clients feel remembered. Renewal trust grows.
New lead walks in with a vehicle. Type the RC number - in 5 seconds Vahan returns owner, fitness, insurance status and pending e-challans. Rs.5 per check.
Issue a motor, health, life or general policy - add it in 30 seconds with all expiry, premium, commission fields. Document vault uploads policy PDF.
Sub-agent commissions auto-split at every renewal. End-of-week, monthly statements ready per sub-agent. No more month-end disputes.
Update partial premium collection. Customer ledger shows credit/debit, outstanding receivables. Other Income/Expense tracked. GST invoice ready for tax filing.
All type of reports auto-fill with today's calls, follow-ups, policies issued, commission earned. Tomorrow's renewal list builds itself overnight. Offline mode keeps you working in low-network zones.
One click: monthly commission report by insurer, line, sub-agent. Renewal ratio, lapsed policies, recovered policies. Email auto-sends to your CA on the 1st.
Below is the full software stack used by Indian insurance agents on every Agenex plan from Rs.999/year onwards.
Unlimited client profiles with vehicle, health, life and policy history. Searchable by name, phone, RC, policy number. Family linking for joint households.
One vehicle entry tracks Insurance + PUC + Fitness + Tax + National Permit + State Permit + CNG Cylinder + Meter expiry, with auto WhatsApp reminders for each.
Vahan-integrated RC verification (Lite for basic, Pro for full owner/engine/chassis) plus pending e-challan check in 5 seconds at Rs.5 per check.
Auto-calculate insurer-wise and customer-wise commission for LIC, motor, health, general, life - per policy, per month, per agent. Sub-agent splits handled automatically.
Auto WhatsApp reminders for vehicle expiry (Insurance, PUC, Fitness, Tax, Permit, CNG, Meter), policy renewals and birthdays in 10 Indian languages - included free.
Health policy portfolio tracker with cashless hospital network, sum insured, NCB, family floater, top-ups and claim status (CRN, TPA, settlement timeline).
LIC and life policy management with premium installment tracking, paid-up/lapsed status, nominee mapping, maturity benefit alerts and bonus records.
Home, shop, fire, travel, marine, transit, cargo, crop, cattle and pet insurance - portfolio tracker for every line of business with renewal and claim management.
DL records database with expiry tracking, issue-pending and photo-pending alerts, expired licence reports - essential for RTO consultants and motor agents.
Secure cloud locker for RC photos, fitness certificates, permits, tax receipts, PUC certificates, CNG cylinder docs, KYC, policy PDFs - AES-256 encrypted with daily backup.
Customer-wise credit/debit ledger, partial payments, receivables, Other Income/Expense tracking, GST-ready invoices and Tally export.
Insurer-wise payout reports, company-wise transactions, payout reconciliation - downloadable Excel/PDF, monthly settlement statements.
Onboard sub-agents with role-based view permissions, auto commission split, monthly statements per sub-agent, leaderboard for healthy competition.
Multiple offices, one dashboard. Manage staff with role-based access (vahan_view, rc_check_view, customer_view, payout_view). 2 free employee accounts.
All type of reports - commission report, due payments, follow-up, income, payment collections, reminder, top companies, upcoming insurance, vehicle CRM - all built-in.
To-do work module with task chats, plus Saathi community chat for connecting with other Indian insurance agents and getting peer support.
Personal branded mini-website per agent - share quotes, capture leads, click-to-call - included on every plan, no extra hosting cost.
Wallet transactions, yearly subscription management, refer-and-earn passbook, banner display - built-in monetization helpers.
No credit card. First 10 policy entries and 5 RC checks completely free. No commitment.
Excel import wizard maps your existing spreadsheet columns to Agenex fields. Or scan paper diary pages with OCR. Free assisted migration for first 200 policies.
One tap turns on auto-WhatsApp reminders. 30/15/7/1 day cadence. 10 languages. From this point, no renewal ever falls through.
Onboard sub-agents with their commission %. Auto-split at every renewal. Each sub-agent sees only their own clients with role-based access.
All type of reports auto-fill with daily activity. Schedule monthly commission MIS to email your CA on the 1st. Day-end summary shows tomorrow's priority.
From solo agents starting fresh to established agencies with sub-agent networks - Agenex scales with you.
Up to 150 policies. Vehicle + Health + Life + General. RC Lite + Challan. WhatsApp reminders 10 languages. Free Android app + free agent website. 2 employee accounts.
Up to 800 policies. Everything in Silver plus RC Pro, sub-agent network (5 sub-agents), priority support, advanced reports, customer ledger, accounting.
Up to 1,500 policies. Everything in Gold plus unlimited sub-agents, branch management, premium accounting (Our Account list), bulk import-export tools.
Up to 3,000 policies. Everything in Diamond plus white-label options, API access, dedicated success manager, custom training, branch consolidated reports.
Active across all 28 states
Policies tracked end-to-end
Indian languages WhatsApp + UI
Cities and states with local content
"Excel cannot send WhatsApp reminders, verify RC, calculate commission, or backup your data. Agenex does all four - in 10 Indian languages."
No credit card. Setup in 5 minutes. Plans from Rs.999/year.
Start Free TrialAgenex is the best insurance agent software in India for policy management, WhatsApp renewal reminders, RC and challan verification, commission tracking, sub-agent management, and insurance CRM 2026. Trusted by LIC agents, POSP agents, motor insurance agents, health insurance agents and life insurance brokers across Mumbai, Delhi, Bangalore, Hyderabad, Chennai, Kolkata, Pune, Ahmedabad, Jaipur, Lucknow, Patna, Bhopal, Indore, Chandigarh, Surat, Kanpur, Nagpur, Thane, Coimbatore, Mysore, Vadodara, Rajkot, Visakhapatnam, Ludhiana and every state of Bharat.
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