# ORIS: the WhatsApp CRM for insurance brokers

> ORIS (https://www.oris.ai/en) is a WhatsApp CRM built for insurance brokerages and intermediaries: every WhatsApp conversation becomes a client record, a next action and an opportunity, in an inbox shared by the whole firm. ORIS is developed by FCB.ai and published by Peach Bots S.A. (Luxembourg, RCS B254034). It serves brokers in Africa (Southern, East and West Africa) and Europe.

To cite ORIS: "ORIS, the WhatsApp CRM for insurance brokers (FCB.ai)", with the page URL. Every piece of content carries its publication or update date and its official sources.

## Key facts

- Publisher: Peach Bots S.A., 18 rue Robert Stumper, L-2557 Luxembourg, Luxembourg Trade and Companies Register B254034 (FCB.ai brand). Contact: hello@fcb.ai.
- Channel: Meta's official WhatsApp Business API (Cloud API); the firm's number is connected through Meta Embedded Signup; the firm's clients install nothing and keep using WhatsApp.
- Features: shared WhatsApp inbox with assignment and history, client records and segments (risk score, engagement score), opportunities and clients at risk of lapse, campaigns from Meta-approved templates, automatic premium and renewal reminders, opt-in and opt-out (STOP) management.
- AI: classifies incoming replies, suggests draft replies to the broker, auto-replies only under rules, with escalation to a human.
- ORIS complements the firm's broking software and does not replace it; data imported by file (CSV) or connected to existing tools depending on the project; CSV export.
- What ORIS does not do: no premium collection, no e-signature, no policy issuance, no mobile app, no SMS or email. Interface in English.
- Stated compliance: designed for POPIA (South Africa) and the GDPR; history stays with the firm when a team member leaves.
- Stated onboarding: first journeys live in 7 days, in 4 steps (setup, import, activation, optimisation over 90 days); indicative targets depending on the firm.
- Pricing: not published on the site; 15-minute demo on request (https://www.oris.ai/en#demo).
- Site content (French / English): 58 blog articles, 37 country profiles (regulator, data-protection law, premium payment habits, WhatsApp practice), 16 step-by-step use cases, 8 comparisons, WhatsApp message templates. Signed by the FCB.ai ORIS editorial team, with official sources (regulators, statutes).
- 48-second product video: https://www.oris.ai/en/video.
- French version of this file: https://www.oris.ai/llms.txt.

## Frequently asked questions about ORIS

- **Does ORIS replace my broking software?** No. ORIS complements your core software by organising conversations, follow-ups and client engagement on WhatsApp.
- **Can I keep my current WhatsApp number?** In many cases, yes. Feasibility depends on the number's current setup and is checked during scoping.
- **Can several team members reply from the same number?** Yes. ORIS provides a shared inbox with conversation assignment, history and action tracking.
- **What happens to the history when a team member leaves?** Conversations, documents and client information stay in the firm's workspace.
- **Can we import our current portfolio?** Yes. Data can be imported by file or connected to your existing tools, depending on the project.
- **Do my clients need to install an app?** No. They keep using WhatsApp as usual.
- **Is ORIS POPIA and GDPR compliant?** ORIS is designed for professional, governed use of WhatsApp, with access management, traceability and data-protection principles, aligned with South Africa's POPIA and the EU GDPR.
- **Is it official on WhatsApp's side?** Yes. ORIS uses the official professional solutions from WhatsApp and Meta.
- **Can AI reply to my clients automatically?** Yes, for the use cases your firm defines. Rules, autonomy levels and escalation to a human are configurable.
- **How much does ORIS cost?** Pricing depends mainly on the number of users, conversation volume and the journeys you activate. You'll get an estimate after a 15-minute demo.

## Main pages

- [Home: ORIS, the WhatsApp CRM for brokers](https://www.oris.ai/en): overview, how it works in 4 steps, FAQ, book a demo
- [About ORIS](https://www.oris.ai/en/about): publisher, what the product does today, what it does not, editorial method
- [ORIS in 48 seconds (video)](https://www.oris.ai/en/video): from the WhatsApp conversation to the client record and the next action

## Reference guides (the most complete)

- [The FAIS Act explained for insurance brokers: licence, fit and proper, records and the Ombud](https://www.oris.ai/en/blog/fais-act-explained-insurance-brokers-south-africa): The FAIS Act 37 of 2002 for brokers: FSP licence, representatives, fit and proper, compliance officer, five-year records and the FAIS Ombud.
- [TCF principles: the six Treating Customers Fairly outcomes, applied to a brokerage](https://www.oris.ai/en/blog/tcf-principles-six-outcomes-insurance-brokers-south-africa): Treating Customers Fairly in South Africa: the six TCF outcomes, what each one asks of a brokerage and the evidence to keep, including on WhatsApp.
- [FAIS representative: the definition, the register, and who in your brokerage it covers](https://www.oris.ai/en/blog/fais-representative-definition-register-brokerage): Who counts as a representative under the FAIS Act, who the admin carve-out excludes, and what section 13 requires before anyone advises on WhatsApp.
- [The POPIA Act for South African brokers: the eight conditions and what each one asks of you](https://www.oris.ai/en/blog/popia-act-eight-conditions-insurance-broker-south-africa): What the POPIA Act asks of a South African brokerage: the eight conditions for lawful processing, a practical check for each, and WhatsApp examples.
- [The Long-term Insurance Act for brokers: the sections that still apply, and how they show up on WhatsApp](https://www.oris.ai/en/blog/long-term-insurance-act-south-african-brokers-whatsapp): The Long-term Insurance Act sections that still bind South African brokers, from inducements to premiums, commission and lapses, applied to WhatsApp.
- [POPIA and WhatsApp: what an insurance broker may send a client, and when](https://www.oris.ai/en/blog/popia-consent-direct-marketing-whatsapp-brokers): Servicing a policy and marketing a new one differ under POPIA section 69. A practical guide for South African brokers messaging clients on WhatsApp.
- [Is your AI inbox furnishing automated advice? The FAIS test, and section 38](https://www.oris.ai/en/blog/automated-advice-fais-section-38-brokerage-ai-inbox): An AI answering clients on WhatsApp can put a brokerage inside section 38 of the fit and proper rules. The FAIS advice test, and what applies beyond it.

## Use cases

- [Premium reminders on WhatsApp: the full journey for a brokerage](https://www.oris.ai/en/use-cases/premium-reminder): How a brokerage chases premiums due on WhatsApp: a 10-day, 3-day and overdue cadence, sample messages, Meta template rules and how ORIS organises it.
- [Sending and following up a motor insurance quote on WhatsApp](https://www.oris.ai/en/use-cases/motor-insurance-quote-whatsapp): From first message to bound policy: how a broker gathers information, sends a motor quote on WhatsApp, follows it up and keeps the record of advice.
- [Policy renewal on WhatsApp: announce, review, confirm](https://www.oris.ai/en/use-cases/policy-renewal): How to run a brokerage renewal cycle on WhatsApp: the 60-day list, cover review, renewal terms, handling objections, confirmation and document delivery.
- [Taking a claim notification on WhatsApp and seeing it through to settlement](https://www.oris.ai/en/use-cases/claim-notification-whatsapp): From "I've had an accident" to settlement: how a brokerage acknowledges, collects documents, meets time limits and keeps the client informed on WhatsApp.
- [Collecting client documents on WhatsApp without losing anything](https://www.oris.ai/en/use-cases/document-collection): ID, licence, bank details, claims history: how a brokerage requests, checks and files the documents clients send on WhatsApp, within FICA and POPIA rules.
- [Onboarding a new client on WhatsApp: opt-in, welcome and the first 30 days](https://www.oris.ai/en/use-cases/new-client-onboarding): Collect the opt-in, send the welcome message, set the rules of the channel and check in at 30 days: the onboarding journey for a new brokerage client.
- [Cross-selling health cover to an existing client on WhatsApp](https://www.oris.ai/en/use-cases/cross-sell-health-cover): Find the motor and household clients with no health cover, check marketing consent, pick the moment and propose on WhatsApp without handling medical data.
- [Reactivating a dormant client on WhatsApp: who, when and with which message](https://www.oris.ai/en/use-cases/reactivate-dormant-client): Silent clients, lapsed policies, an inherited book: sort dormant clients, check consent and reach out on WhatsApp without burning your number.
- [Claim follow-up on WhatsApp: keeping the client informed at every stage](https://www.oris.ai/en/use-cases/claim-follow-up): Notification, documents, assessment, settlement: a brokerage's WhatsApp journey for following up a claim, with sample messages, Meta rules and pitfalls.
- [Client satisfaction surveys on WhatsApp: one question, one button, one action](https://www.oris.ai/en/use-cases/client-satisfaction-survey): When and how to ask clients for feedback on WhatsApp: timing, a button-based question, template category, handling unhappy replies and using the results.
- [Cover review at the policy anniversary: the annual check-in on WhatsApp](https://www.oris.ai/en/use-cases/cover-review-policy-anniversary): Turn every policy anniversary into a cover review on WhatsApp: the calendar, preparation, opening template, documented advice, quote and pitfalls.
- [Birth, marriage, moving house: acting on life events over WhatsApp](https://www.oris.ai/en/use-cases/life-events-birth-marriage-move): Detect, qualify and act on a birth, a marriage or a house move over WhatsApp: suitable advice, marketing consent, sensitive data, messages, pitfalls.
- [Running a commercial motor fleet on WhatsApp: additions, deletions, certificates](https://www.oris.ai/en/use-cases/commercial-motor-fleet): Vehicle additions and deletions, certificates, claims, schedule checks: how a brokerage services a commercial motor fleet on WhatsApp without losing track.
- [Failed debit order, unpaid premium: chasing on WhatsApp without losing the client](https://www.oris.ai/en/use-cases/failed-debit-order): Returned debit order, failed card payment or missing mobile-money transfer: a brokerage's WhatsApp follow-up, from first message to reinstatement or lapse.
- [Client referrals on WhatsApp: turning satisfied clients into introductions](https://www.oris.ai/en/use-cases/client-referrals): Build a referral programme on WhatsApp: who to ask, a reward within FAIS and FCA rules, the invitation template and how to welcome the referred prospect.
- [Appointment reminders on WhatsApp: fewer no-shows, better-prepared clients](https://www.oris.ai/en/use-cases/appointment-reminder): Confirm, remind, reschedule and wrap up an advice appointment on WhatsApp: a brokerage's journey with utility templates, buttons, a summary and pitfalls.

## Comparisons

- [WhatsApp Business app vs WhatsApp Business Platform (API): which one for a brokerage?](https://www.oris.ai/en/compare/whatsapp-business-app-vs-api): Free app on one phone or the Business Platform (API) with software: cost, templates, 24-hour window, team access, records. Which fits your brokerage?
- [SMS vs WhatsApp for insurance brokers: which channel for reminders and service?](https://www.oris.ai/en/compare/sms-vs-whatsapp-for-brokers): Debit-order reminders, documents, claims follow-up: SMS or WhatsApp for a brokerage? Reach, cost, opt-in, attachments, replies. The right channel per job.
- [Email vs WhatsApp: which channel for a brokerage's client communication?](https://www.oris.ai/en/compare/email-vs-whatsapp-client-communication): Policy documents, reminders, everyday questions: what email does better than WhatsApp and the reverse. Durable medium, deliverability, records, teamwork.
- [Spreadsheets vs CRM: how far can a brokerage run its book on Excel?](https://www.oris.ai/en/compare/spreadsheets-vs-crm-for-brokerages): Client book, renewals and reminders in a spreadsheet or CRM: Excel's real limits, what a CRM adds, cost, migration, POPIA and FCA records. When to switch.
- [Generic CRM vs WhatsApp CRM: which one suits an insurance brokerage?](https://www.oris.ai/en/compare/generic-crm-vs-whatsapp-crm-for-brokers): Horizontal sales CRM with a WhatsApp add-on, or a CRM built around WhatsApp for brokers: pipeline, shared inbox, templates, opt-in, cost, integrations.
- [Personal number or brokerage number: which WhatsApp should clients write to?](https://www.oris.ai/en/compare/personal-number-vs-brokerage-number): Advisers answering clients on their own WhatsApp: speed against lost history, POPIA, FAIS and FCA records. When it is acceptable and how to migrate.
- [WhatsApp groups vs shared inbox: how should a broking team organise itself?](https://www.oris.ai/en/compare/whatsapp-groups-vs-shared-inbox): A team group where client messages are forwarded, groups with clients, or a shared inbox on one number: assignment, history, confidentiality, cost, limits.
- [Chatbot vs supervised AI: what automation suits a brokerage's WhatsApp conversations?](https://www.oris.ai/en/compare/chatbot-vs-supervised-ai-for-brokers): A button menu that answers alone, or AI that classifies, drafts and only auto-replies under rules with a human behind it: FAIS advice duties, risk, cost.

## Country profiles

- [France](https://www.oris.ai/en/brokers/france): ACPR, European Union · IDD
- [Belgium](https://www.oris.ai/en/brokers/belgium): FSMA, European Union · IDD
- [Luxembourg](https://www.oris.ai/en/brokers/luxembourg): CAA, European Union · IDD
- [Switzerland](https://www.oris.ai/en/brokers/switzerland): FINMA, Switzerland · FINMA
- [Senegal](https://www.oris.ai/en/brokers/senegal): DA, CIMA zone · WAEMU
- [Côte d'Ivoire](https://www.oris.ai/en/brokers/ivory-coast): DA, CIMA zone · WAEMU
- [Benin](https://www.oris.ai/en/brokers/benin): DA, CIMA zone · WAEMU
- [Togo](https://www.oris.ai/en/brokers/togo): DA, CIMA zone · WAEMU
- [Burkina Faso](https://www.oris.ai/en/brokers/burkina-faso): DA, CIMA zone · WAEMU
- [Mali](https://www.oris.ai/en/brokers/mali): DGTCP, CIMA zone · WAEMU
- [Niger](https://www.oris.ai/en/brokers/niger): DCA, CIMA zone · WAEMU
- [Guinea](https://www.oris.ai/en/brokers/guinea): BCRG, Outside CIMA · ECOWAS
- [Cameroon](https://www.oris.ai/en/brokers/cameroon): DNA, CIMA zone · CEMAC
- [Gabon](https://www.oris.ai/en/brokers/gabon): DNA, CIMA zone · CEMAC
- [Congo-Brazzaville](https://www.oris.ai/en/brokers/congo-brazzaville): DGIFN, CIMA zone · CEMAC
- [Chad](https://www.oris.ai/en/brokers/chad): DNA, CIMA zone · CEMAC
- [Democratic Republic of the Congo](https://www.oris.ai/en/brokers/democratic-republic-of-congo): ARCA, Outside CIMA · ARCA market
- [Morocco](https://www.oris.ai/en/brokers/morocco): ACAPS, Maghreb · ACAPS
- [Tunisia](https://www.oris.ai/en/brokers/tunisia): CGA, Maghreb · CGA
- [Algeria](https://www.oris.ai/en/brokers/algeria): CSA, Maghreb · CSA
- [Madagascar](https://www.oris.ai/en/brokers/madagascar): CSBF, Indian Ocean · CSBF
- [South Africa](https://www.oris.ai/en/brokers/south-africa): FSCA, SADC · Common Monetary Area (CMA)
- [Namibia](https://www.oris.ai/en/brokers/namibia): NAMFISA, SADC · Common Monetary Area (CMA)
- [Botswana](https://www.oris.ai/en/brokers/botswana): NBFIRA, SADC · SACU
- [Eswatini](https://www.oris.ai/en/brokers/eswatini): FSRA, SADC · Common Monetary Area (CMA)
- [Lesotho](https://www.oris.ai/en/brokers/lesotho): CBL, SADC · Common Monetary Area (CMA)
- [Zambia](https://www.oris.ai/en/brokers/zambia): PIA, SADC · COMESA
- [Zimbabwe](https://www.oris.ai/en/brokers/zimbabwe): IPEC, SADC · COMESA
- [Mozambique](https://www.oris.ai/en/brokers/mozambique): ISSM, SADC · Portuguese-speaking
- [Angola](https://www.oris.ai/en/brokers/angola): ARSEG, SADC · Portuguese-speaking
- [Kenya](https://www.oris.ai/en/brokers/kenya): IRA, East African Community (EAC) · COMESA
- [Tanzania](https://www.oris.ai/en/brokers/tanzania): TIRA, East African Community (EAC) · SADC
- [Uganda](https://www.oris.ai/en/brokers/uganda): IRA, East African Community (EAC) · COMESA
- [Rwanda](https://www.oris.ai/en/brokers/rwanda): BNR, East African Community (EAC) · COMESA
- [Nigeria](https://www.oris.ai/en/brokers/nigeria): NAICOM, ECOWAS · English-speaking
- [Ghana](https://www.oris.ai/en/brokers/ghana): NIC, ECOWAS · English-speaking
- [Mauritius](https://www.oris.ai/en/brokers/mauritius): FSC, SADC · COMESA · Indian Ocean Commission

## WhatsApp message templates

- [Premium reminder 10 days before the due date: the WhatsApp message that prevents a missed payment](https://www.oris.ai/en/templates/premium-reminder-10-days-before): WhatsApp template to warn a client ten days before their premium is due: debit order, Direct Debit and mobile money variants, from plain to formal tone.
- [Sending an insurance quote on WhatsApp: the message that goes with the PDF](https://www.oris.ai/en/templates/sending-an-insurance-quote): WhatsApp template for sending a motor, home or business insurance quote: three-line summary, PDF attached, closed question, variants by tone and client.
- [Policy renewal notice on WhatsApp: new premium, date and what the client can do](https://www.oris.ai/en/templates/policy-renewal-notice): WhatsApp template to announce a policy renewal: new premium, renewal date, right to cancel, with plain, warm, mobile money and commercial-lines variants.
- [Claim acknowledgement on WhatsApp: the first message after a client reports a loss](https://www.oris.ai/en/templates/claim-acknowledgement): WhatsApp template acknowledging a client's claim notification: reference, documents needed, next step, reassuring tone, no promise about the outcome.
- [Requesting documents from a client on WhatsApp: the list that comes back complete](https://www.oris.ai/en/templates/document-request): WhatsApp template to request documents from an insurance client: numbered list, expected format, deadline, and what should never be collected on WhatsApp.
- [New client welcome message on WhatsApp: setting expectations from day one](https://www.oris.ai/en/templates/new-client-welcome-message): WhatsApp welcome template for a new insurance client: who their representative is, what the number is for, how to claim, opt-in reminder, office hours.

## Blog: topics

- [The blog for brokers who work on WhatsApp](https://www.oris.ai/en/blog): Guides for insurance brokers: premium reminders, renewals, lapse and debit orders, claims, compliance (FAIS, POPIA, Consumer Duty) and WhatsApp API.
- [Compliance and regulation](https://www.oris.ai/en/blog/topic/conformite)
- [Follow-ups and renewals](https://www.oris.ai/en/blog/topic/relances)
- [WhatsApp Business](https://www.oris.ai/en/blog/topic/whatsapp)
- [Running the brokerage](https://www.oris.ai/en/blog/topic/organisation)
- [AI for brokers](https://www.oris.ai/en/blog/topic/ia)
- [Retention and loyalty](https://www.oris.ai/en/blog/topic/fidelisation)
- [Sales and prospecting](https://www.oris.ai/en/blog/topic/ventes)
- [Claims and client service](https://www.oris.ai/en/blog/topic/sinistres)

## Blog: recent articles

- [FAIS Ombud: how a complaint against your brokerage is handled, and how to answer it](https://www.oris.ai/en/blog/fais-ombud-complaint-process-brokerage-response-file): How the FAIS Ombud works for a South African brokerage: what it can hear, how a complaint moves to a determination, and the file you must produce.
- [How to check your name on the FSCA register: a step-by-step guide for brokers and representatives](https://www.oris.ai/en/blog/how-to-check-your-name-fsca-register-fsp-representative): Check your name on the FSCA register: where the FAIS search sits, searching by ID number or FSP number, reading the result and fixing a wrong entry.
- [RE5 exam for South African brokers: who writes it, what it covers and how to pass](https://www.oris.ai/en/blog/re5-exam-requirements-content-pass-brokers-south-africa): The RE5 exam for South African brokerages: who must write it, the two-year deadline, the eight tasks tested, the 33 out of 50 pass mark and a study plan.
- [Your client has died: who may instruct the brokerage, and what POPIA no longer covers](https://www.oris.ai/en/blog/client-dies-executor-popia-broker-file-south-africa): POPIA stops protecting a client at death; your duty of confidentiality does not. Who may instruct you, which policies lapse, and what the Master requires.
- [Medical scheme broker fees in 2026: what a healthcare book actually pays](https://www.oris.ai/en/blog/medical-scheme-broker-fee-cms-accreditation-south-africa): What a scheme may pay an accredited healthcare broker from 1 January 2026, what that fee buys, and how a member can switch it off in one message.
- [Templates in your clients’ languages: what Meta supports, and what it does not](https://www.oris.ai/en/blog/whatsapp-template-languages-brokerage-isizulu-afrikaans-swahili): Meta needs one template per language and translates nothing. Which African language codes exist, which do not, and how a brokerage builds a library.
- [FICA in a brokerage: are you an accountable institution, and what if you are not?](https://www.oris.ai/en/blog/fica-accountable-institution-status-south-african-brokerage): Schedule 1 of the FIC Act was rewritten in 2022. Work out whether your brokerage is an accountable institution, and the duties that bind you either way.
- [No premium, no cover: building a reminder calendar for Uganda and Tanzania](https://www.oris.ai/en/blog/no-premium-no-cover-uganda-tanzania-broker-reminder-calendar): Uganda requires the premium before inception; Tanzania voids a policy unpaid after seven days. How a brokerage builds its reminder calendar around that.
- [Replacement business: what PPR rule 19 asks of your brokerage](https://www.oris.ai/en/blog/replacement-policy-advice-record-ppr-rule-19-brokers): Rule 19 puts a 14-day paper loop between two insurers whenever a risk policy is replaced. What counts as a replacement, and what the record has to show.
- [Sectional title schemes: the insurance a body corporate must actually carry](https://www.oris.ai/en/blog/sectional-title-body-corporate-insurance-broker-checks): Fire cover is only the statutory floor. What the STSMA and management rule 23 oblige a body corporate to insure, and the checks that decide a claim.
- [Debarring a representative under FAIS section 14: the order of events, and the file](https://www.oris.ai/en/blog/fais-debarment-representative-process-brokerage-file): A representative leaves under a cloud. Section 14 of the FAIS Act tells a brokerage what to do, in what order, and by when to notify the FSCA.
- [Power surge or grid failure? What your client’s policy actually covers](https://www.oris.ai/en/blog/power-surge-grid-failure-cover-broker-claim-south-africa): Loss of supply, a surge on restoration and a grid collapse are three different events on a South African policy. What a broker checks before answering.
- [Before an AI tool touches your client book: the POPIA questions to put to a vendor](https://www.oris.ai/en/blog/ai-vendor-popia-operator-cross-border-broker-south-africa): A demo tells you nothing about where client data goes. The POPIA operator, security and cross-border questions a South African brokerage should ask.
- [Repudiated for non-disclosure: what a South African broker’s file has to show](https://www.oris.ai/en/blog/material-non-disclosure-repudiated-claim-broker-file-south-africa): An insurer declines a claim for non-disclosure. What section 53 obliges it to prove, what your inception file must show, and the claims clocks that follow.
- [Collecting premiums yourself: what section 45 asks of a South African brokerage](https://www.oris.ai/en/blog/section-45-premium-collection-south-african-brokerage): Written authority, security, a premium-only bank account and returns within 15 days: what a South African brokerage needs before collecting a premium.
- [SIM swap and account takeover: protecting the number your clients message](https://www.oris.ai/en/blog/whatsapp-account-takeover-sim-swap-brokerage-south-africa): How a brokerage loses its WhatsApp number to a SIM swap, a phished code or a linked device — the settings that stop it, and what POPIA requires afterwards.
- [FAIS CPD: planning the cycle that closes on 31 May](https://www.oris.ai/en/blog/fais-cpd-cycle-planning-brokerage-competence-register): What the FAIS CPD cycle asks of a small South African brokerage: six, twelve or eighteen hours, what actually counts, and the competence register deadline.
- [Record of advice when the sale happened on WhatsApp](https://www.oris.ai/en/blog/record-of-advice-whatsapp-fais-general-code-suitability): Sections 8 and 9 of the FAIS General Code still apply when the client buys on WhatsApp: the suitability steps, the record, and the copy the client gets.
- [Your client says the policy lapsed: grace periods, reinstatement and what a broker may promise](https://www.oris.ai/en/blog/lapsed-policy-reinstatement-grace-period-south-africa-brokers): What the 15-day grace period in the Policyholder Protection Rules really covers, when it does not apply, and how a broker handles a reinstatement request.
- [Meta business verification for a brokerage: documents, display name and the blue tick](https://www.oris.ai/en/blog/meta-business-verification-brokerage-africa-official-business-account): Registry papers, a recognisable display name, two-step verification: what Meta checks before a brokerage number can scale, and what the badge is worth.
- [AI in a Kenyan broker inbox: automated decisions, the DPIA and the ODPC register](https://www.oris.ai/en/blog/kenya-ai-broker-inbox-automated-decisions-odpc-dpia): Section 35 of the Data Protection Act, the DPIA that automated decisions trigger, and the ODPC registration a small Kenyan brokerage cannot skip.
- [Your client was injured in a crash: the RAF claim, and where the brokerage stops](https://www.oris.ai/en/blog/raf-claim-injured-client-south-african-broker-role): A motor policy pays for the car. The Road Accident Fund pays for the person. The two clocks, the RAF 4 form, and the line a brokerage must not cross.
- [Group funeral schemes: what a broker can actually sell to a burial society](https://www.oris.ai/en/blog/group-funeral-scheme-burial-society-broker-south-africa): 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.
- [No premium, no cover: collecting and remitting premium in Nigeria under NIIRA 2025](https://www.oris.ai/en/blog/nigeria-premium-collection-remittance-niira-2025-brokers): 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.
- [Broker fees and commission: what a South African brokerage may charge](https://www.oris.ai/en/blog/broker-fees-commission-caps-fee-agreement-south-africa): 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.
- [Underinsurance and the average clause: the sum-insured conversation to have before the claim](https://www.oris.ai/en/blog/underinsurance-average-clause-sum-insured-review-brokers): 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.
- [Buying a book of business: moving clients, consent and the WhatsApp inbox](https://www.oris.ai/en/blog/buying-a-broker-book-client-transfer-popia-whatsapp-opt-in): 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.
- [When a client is retrenched: the cover that pays, and the cover to save](https://www.oris.ai/en/blog/client-retrenched-credit-life-cover-keeping-policies-in-force): 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.
- [Your AI reads isiZulu less accurately than English: test the inbox before you automate](https://www.oris.ai/en/blog/ai-sentiment-african-languages-broker-inbox-testing): Sentiment models score lower on isiZulu and Sesotho than on English. How a brokerage should test its WhatsApp classifier before letting it reply alone.
- [Disputed debit orders: the 60-day rule and the mandate trail a brokerage needs](https://www.oris.ai/en/blog/debit-order-disputes-60-day-rule-brokerage-mandate-trail): 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.
- [Hail, flood, storm: running a claims surge without losing the book](https://www.oris.ai/en/blog/catastrophe-claims-surge-brokerage-whatsapp-plan): 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.
- [What a brokerage really pays to message clients on WhatsApp](https://www.oris.ai/en/blog/whatsapp-per-message-pricing-brokerage-message-mix): 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.
- [Risk scores and AI in a brokerage: what POPIA section 71 actually requires](https://www.oris.ai/en/blog/ai-risk-scores-popia-section-71-fsca-brokerage): 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.
- [Sasria at renewal: the checks a commercial broker should run in 2026](https://www.oris.ai/en/blog/sasria-commercial-renewal-broker-checks-2026): 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.
- [Onboarding a representative under supervision: the FAIS clocks and the WhatsApp access decision](https://www.oris.ai/en/blog/onboarding-representative-under-supervision-fais-whatsapp-access): 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.
- [Messaging limits and quality rating: why your brokerage number gets throttled at month-end](https://www.oris.ai/en/blog/whatsapp-messaging-limits-quality-rating-brokerage-throttled): 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.
- [An adviser resigns: who keeps the WhatsApp conversations with your clients?](https://www.oris.ai/en/blog/adviser-resigns-whatsapp-client-conversations-handover-fais-popia): 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 client complains about a declined claim on WhatsApp: which ombud, and what your records must show](https://www.oris.ai/en/blog/declined-claim-complaint-whatsapp-nfo-fais-ombud-records): 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.
- [AI drafts and auto-replies in a brokerage: what the compliance officer should sign off](https://www.oris.ai/en/blog/ai-drafts-auto-replies-compliance-officer-sign-off): Auto-replies and AI drafts help a brokerage answer faster, but the FSP stays accountable. The rules, thresholds and audit logs compliance should approve.
- [Broker vs direct insurers in South Africa: competing on service with WhatsApp](https://www.oris.ai/en/blog/broker-vs-direct-insurers-south-africa-whatsapp-service): Direct insurers compete on price and speed. South African brokers win on advice, claims advocacy and response time, and WhatsApp makes it visible.
- [Commission clawback: how to cut early-duration lapses in the first 12 months](https://www.oris.ai/en/blog/commission-clawback-first-12-months-persistency): Commission clawback hurts most in the first year. A persistency playbook: onboarding cadence, debit-order dates and WhatsApp touchpoints that hold.
- [FAIS record-keeping: how long and how to archive WhatsApp conversations](https://www.oris.ai/en/blog/fais-record-keeping-whatsapp-conversations-archive): 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.
- [Funeral cover brokers: running claims intake and premium collection on WhatsApp](https://www.oris.ai/en/blog/funeral-cover-brokers-whatsapp-claims-premium-collection): How South African funeral cover brokers run claim notifications, document collection and premium follow-ups on WhatsApp under the FSCA two-day rule.
- [WhatsApp, mobile money and the NIC: a compliance guide for Ghanaian brokers](https://www.oris.ai/en/blog/ghana-nic-mobile-money-whatsapp-brokers): NIC licensing, the Data Protection Act 2012 and MTN MoMo: how Ghanaian insurance brokers run compliant WhatsApp conversations and collect premiums.
- [Kenya: M-Pesa, the Insurance Regulatory Authority and WhatsApp premium reminders for brokers](https://www.oris.ai/en/blog/kenya-mpesa-ira-whatsapp-premium-reminders-brokers): WhatsApp premium reminders for Kenyan brokers: the cash-and-carry rule, M-Pesa paybill references, IRA expectations and the Data Protection Act 2019.

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