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IRDAI-aware · POSP · broker · web-aggregator. Renewal leak plugged. KYC on WhatsApp. Multi-insurer commission reconciled.
Automated 90/60/30-day WA nudges with premium amount, due date, UPI link. Lifts renewal rate from 52% to 78% on median broker cohort.
IRDAI agent code logging, POSP exam status gates, commission disclosure auto-attached to every quote. Audit-trail ready.
LIC · HDFC Life · ICICI Lombard · Star Health + 8 more. Commission ledger auto-updated from insurer webhooks. Zero manual reconciliation.
Generic CRMs don't understand IRDAI agent codes, POSP exam status, multi-insurer commission ledgers, or the 8-touch buying cycle from inquiry to policy issuance. Wendesk's insurance overlay handles all of it out of the box.
Industry baseline for independent brokers without automated reminders. A single WhatsApp nudge 30 days before due date recovers 18-24% of at-risk renewals. Wendesk's 90/60/30-day drip sequence pushes renewal rate from 52% toward 78%.
Every new policy for the same customer triggers a fresh Aadhaar/PAN request — even if KYC was done 6 months ago. Wendesk's KYC vault links DigiLocker verification to the customer record and re-uses it across all policies from all insurers.
Commissions from LIC, HDFC, ICICI, Star Health arrive on different dates, in different formats, with different reconciliation periods. Brokers spend 3-4 hours per week on manual spreadsheet reconciliation. Wendesk's commission ledger auto-imports from insurer webhooks.
Customers can't track claim status. Brokers don't know where a claim stands without calling the insurer's toll-free line. Wendesk pulls insurer claim-status webhooks and sends real-time WA updates to the customer — zero inbound calls on claim status.
Lead → needs analysis → quote → KYC → underwriting → issuance takes 8+ interactions across 3-4 weeks. Without a pipeline, 60% of leads go cold between quote and KYC. Wendesk's pipeline stages map every touchpoint and fire WA follow-ups on stall triggers.
Most CRMs only see new leads. Wendesk surfaces which renewal cohort each policyholder is in right now — days to expiry, premium at risk, last WA touch — and triggers the right intervention automatically. Drives renewal campaigns, cross-sell timing, and lapse-recovery drips.
6 custom objects ship out of the box for Insurance brokers and agents. Add more — group policy · corporate fleet · reinsurance treaty — in the admin, no code.
Policyholder · insurer · policy type · sum assured · premium · start/end dates · IRDAI agent code
Policy ref · claim type · amount · lodging date · insurer TAT · status (filed → assessed → settled)
Phone · source · interest type · pipeline stage · WA opt-in · DPDP consent · assigned agent
Insurer · policy ref · commission type · amount · payout date · reconciliation status
Customer · document type (Aadhaar/PAN/DigiLocker) · verified-at · masked ref · expiry · insurer accepted
Insurer name · product lines · webhook endpoint · commission rates · SLA TAT · IRDAI registration
Agent code logging · POSP exam gate · commission disclosure on every quote
Aadhaar/PAN verified · DigiLocker vault · AML flag above ₹50K premium
Consent captured at first touchpoint · DSR erasure path ready
PMLA transaction monitoring · GST on broker commission auto-computed
Insurance ships with five pre-built WhatsApp flows — renewal reminder drip, KYC document collection, claim-status update, premium payment nudge, and cross-sell recommendation after claim settlement.
Three-touch WA sequence before policy expiry. Day 90: awareness + sum-assured reminder. Day 60: premium amount + UPI link. Day 30: urgent nudge + agent escalation trigger. Lifts renewal rate from 52% to 78%.
Requests Aadhaar/PAN via DigiLocker WA flow. Customer uploads once; Wendesk vaults it and re-uses across all insurers. Eliminates re-KYC for the same customer on every new policy.
Insurer webhook fires WA message on every claim milestone — filed, assessed, approved, settled. Zero inbound calls on claim status. TAT visibility builds policyholder trust.
Claim closed? AI recommends the next relevant cover — health top-up after a hospitalisation claim, critical illness after a large health payout. Personalised WA card with 1-tap interest response.
<b>EN + HI from launch.</b> All flows ship in EN + HI. Tamil · Gujarati · Marathi on Pro tier — essential for broker networks in Tamil Nadu, Gujarat, and Maharashtra.
Industry baselines from 80+ Insurance broker tenants in the V1 codebase — mostly independent brokers, POSP networks, and web-aggregators serving health, life, and auto verticals in India.
90/60/30-day WA drip with UPI link. Premium amount surfaced upfront at every touch.
from 52% (no automation)DigiLocker vault re-uses verified KYC across all policies and all insurers for the same customer.
from Fresh KYC every policyInsurer webhooks auto-update commission ledger. Zero spreadsheet reconciliation needed.
from 3-4 hours/weekReal-time WA milestone updates eliminate 'where is my claim?' calls from policyholders.
from Avg 3 calls per claimOnce you grant scoped access at mcp.wendesk.com, your agent can interact with your tenant data — gated by the same 3-part permission matcher as the dashboard.
// Claude calling Wendesk via MCP — trigger a renewal reminder POST https://mcp.wendesk.com/mcp Authorization: Bearer eyJ... { "jsonrpc": "2.0", "method": "tools/call", "params": { "name": "industry.insurance.renewals.sendReminder", "arguments": { "policyId": "HDL-2209874", "daysToExpiry": 28, "channel": "whatsapp", "includePaymentLink": true, "lang": "hi" } } } // 200 OK — reminder queued + WA message sent { "reminderId": "rmnd_7Xp3kA", "policyId": "HDL-2209874", "waMessageId": "wamid.HBgLOTE5OTk...", "paymentLinkUrl": "https://rzp.io/l/wd-hdl-2209874", "audit": "via=mcp · client=claude-desktop" }
Same KYC vault, DPDP consent, and commission-ledger model for DSAs, wealth managers, and NBFC loan agents.
Shared compliance pipeline — DPDP, AML, GST on professional fees — for CA firms and legal advisors serving insurance clients.
Health insurance claims link directly to hospital billing. The healthcare overlay handles PHI compliance and TPA integrations alongside the policy lifecycle.
Insurance brokers, POSP agents, web-aggregators — drop your phone or chat on WhatsApp. We respond within 90 minutes, in English or Hindi, and have your renewal drip live in 4 hours.