Cloud API stores message data where you tell it to, but only if you set the region before registering the number. What EU and UK brokers should check.
Photos are compressed, voice notes are statements and media expires. How UK and Irish brokerages collect WhatsApp claim evidence that survives review.
Who holds the policy, what an unlicensed group may not do, the member data an insurer needs to quote, and how to run contributions and claims on WhatsApp.
NIIRA 2025 tightened who may hold a premium in Nigeria and how fast a broker must remit it. The collection sequence, the wording and the records to keep.
Bank details in a chat message are how brokers get impersonated. Safe premium reminders, APP reimbursement limits and what CASS 5 risk transfer changes.
Commission is capped at 12,5% on motor and 20% elsewhere. When a South African brokerage may charge a fee on top, how to agree it, what to keep on file.
A voice note can carry a material circumstance. What the Insurance Act 2015 and CIDRA expect brokers to capture in a chat thread, and how to make it stick.
Average cuts a claim in proportion to the shortfall. How Southern African brokers run a yearly sum-insured check on WhatsApp and record the answer.
A text thread hides the signals a phone call reveals. How brokers identify vulnerability on WhatsApp, record it lawfully and prove outcomes under FG21/1.
Signing the sale agreement is the easy part. Three separate transfers have to land before the first renewal, and only one of them is about money.
A client asks you to cancel everything because they have lost their job. Before you do, check what the credit life policy owes them and what a lapse costs.
Article 35 does not care that your AI only drafts replies. The screening test a brokerage should run before switching it on, and what to write down after.
An accountant sends you a client and asks for a cut. Three structures are available under FCA rules, and each carries a different disclosure obligation.
Sentiment models score lower on isiZulu and Sesotho than on English. How a brokerage should test its WhatsApp classifier before letting it reply alone.
Cancel my policy, sent at 22:00 on WhatsApp. The three requests behind those words, the ICOBS clocks that apply, and a save chat that is not sludge.
Since 13 April 2026 South African banks apply one 60-day debit order dispute window. What it changes for a brokerage that collects or chases premiums.
Why clients see a number instead of your firm, how Meta reviews display names, and which legal, trading or network name belongs at the top of the thread.
When a storm puts a month of claims into two days, a brokerage needs triage, document packs and a communication cadence. A plan for short-term brokers.
Meta bills WhatsApp per message delivered. Which of a broker’s messages are charged, which are free inside the service window, and how to budget a month.
The FSCA and PA have mapped AI use in the sector. What POPIA section 71 and FAIS ask of a brokerage that scores client risk and drafts replies with AI.
Cover incepts subject to a survey, a signed proposal, a sprinkler report. A day-by-day chase plan, what belongs on file, and where WhatsApp actually helps.
Sasria wrap cover returned on 1 April 2026 and placement rules changed on 1 July. The checks to run at each commercial renewal and what to tell clients.
A client asks for everything you hold on them. How a brokerage finds, filters and delivers WhatsApp threads on time, and when the clock can pause.
The high-risk deadline moved to December 2027. What the AI Act genuinely requires of a brokerage using AI drafts on WhatsApp, and what it does not.
