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Lapse prevention kit for South African brokerages: debit order and grace period checklist (PDF)

A policy rarely lapses in one day: a collection fails, a grace period runs, a dispute window opens and closes. This kit gives the checklist first, then our four lapse guides and the failed debit order message sequence.

17 pages · PDF · 610 KBEdition of 29 October 2026FCB.ai · ORIS

What is inside

  • A 10-point checklist checked against the Policyholder Protection Rules (rule 15.1) and the PASA debit order dispute FAQ.
  • Lapse risk on WhatsApp: spotting the failed collection before the client does.
  • The 60-day debit order dispute rule since 13 April 2026, and the mandate trail a brokerage needs.
  • Grace periods, reinstatement and what a broker may promise; commission clawback and persistency in the first twelve months.
  • The failed debit order use case: steps, messages and pitfalls.

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Contents

  1. The lapse prevention checklistp. 3
  2. Lapse risk: how South African brokers use WhatsApp to stop policies falling awayp. 4
  3. Disputed debit orders: the 60-day rule and the mandate trail a brokerage needsp. 6
  4. Your client says the policy lapsed: grace periods, reinstatement and what a broker may promisep. 9
  5. Commission clawback: how to cut early-duration lapses in the first 12 monthsp. 12
  6. Failed debit order, unpaid premium: chasing on WhatsApp without losing the clientp. 14
  7. Official sources behind the checklistp. 17

Who it is for

Brokerage principals, servicing teams and representatives in South Africa who chase premiums and protect persistency.

Official sources behind the checklist

  1. gov.za — Short-term Policyholder Protection Rules, amendment (GN 996, Government Gazette 41928, 28 September 2018), rule 15.1 — accessed 29 October 2026
  2. PASA — Debit order dispute period: frequently asked questions (v3, April 2026) — accessed 29 October 2026
  3. Meta — template categorization (marketing, utility, authentication) — accessed 29 October 2026

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