A new adviser joins on Monday and clients message on Monday. The FAIS competence deadlines from day one, and how to hand over WhatsApp access safely.
Under DISP a one-line WhatsApp grumble can be a complaint. The definition, the three-day and eight-week clocks, and the records FOS will ask you for.
Half the premium reminders did not send. What a WhatsApp messaging limit counts, how tiers and quality rating work, and how to run a month-end batch.
A resignation takes hundreds of client threads out of the building. What FAIS, POPIA and Meta actually allow you to recover, and the handover to run.
A rejected claim turns into a complaint in a voice note. How to tell an NFO matter from a FAIS Ombud one, the clocks that run, and what to record.
ICOBS 5.2 and IDD Article 20 require a demands and needs test before every sale. How to run it, and evidence it, when the sale happens in a chat thread.
Migrate the number clients already message, or run it alongside the app. What each route costs in chat history, and a checklist to do it in one evening.
A governance checklist for broker firms using AI-assisted WhatsApp replies under Consumer Duty: sign-off, escalation, records and SM&CR accountability.
Auto-replies and AI drafts help a brokerage answer faster, but the FSP stays accountable. The rules, thresholds and audit logs compliance should approve.
A renewal-minus-60 review cadence for personal-lines books: life-event triggers, honest cross-sell moments and the retention metrics that prove it works.
How a UK brokerage archives client WhatsApp chats under SYSC 9 and ICOBS, sets retention, handles personal devices and exports evidence for the FOS.
Direct insurers compete on price and speed. South African brokers win on advice, claims advocacy and response time, and WhatsApp makes it visible.
How brokers keep commercial clients informed during a claim: loss adjusters, interim payments, business interruption and a WhatsApp cadence that holds.
A day-by-day renewal sequence for UK commercial brokers on WhatsApp: when to invite, which documents to chase, premium finance and Consumer Duty checks.
Commission clawback hurts most in the first year. A persistency playbook: onboarding cadence, debit-order dates and WhatsApp touchpoints that hold.
What the FAIS General Code of Conduct requires of an FSP advising on WhatsApp: the five-year rule, electronic records, FSCA inspections and the Ombud.
How a UK brokerage takes a first notification of loss on WhatsApp without breaching ICOBS 8.3: what to capture, keeping the photos, when to hand over.
How South African funeral cover brokers run claim notifications, document collection and premium follow-ups on WhatsApp under the FSCA two-day rule.
IHK registration under §34d GewO, VVG advice and documentation duties, GDPR consent: what a German brokerage should settle before using WhatsApp.
NIC licensing, the Data Protection Act 2012 and MTN MoMo: how Ghanaian insurance brokers run compliant WhatsApp conversations and collect premiums.
What the Central Bank of Ireland's Consumer Protection Code 2025 means for brokers on WhatsApp: durable medium, informing effectively, DPC, records.
WhatsApp premium reminders for Kenyan brokers: the cash-and-carry rule, M-Pesa paybill references, IRA expectations and the Data Protection Act 2019.
A clean mid-term adjustment process on WhatsApp: confirm instructions in writing, evidence endorsements and premium changes, and protect the firm from E&O.
FIMA is in force and NAMFISA is watching conduct. How a Namibian brokerage prepares: licences, debit orders and WhatsApp records that stand up to review.
