ORIS and its publisher
Blog: sections and archives
- The blog for brokers who work on WhatsApp
- page 2
- page 3
- Compliance and regulation
- Follow-ups and renewals
- WhatsApp Business
- Running the brokerage
- AI for brokers
- Retention and loyalty
- Sales and prospecting
- Claims and client service
Articles: Compliance and regulation
- FAIS certificate for South African brokers: requirements, exams and registration
- RE1 exam for South African FSPs and key individuals: who writes it, the format, the 16 tasks and how to pass
- FAIS Ombud: how a complaint against a brokerage is handled, and how the broker should answer it
- FSCA register search: how to check your name, an FSP or a representative, step by step
- RE5 exam for South African representatives: who writes it, the pass mark, what it covers and how to pass
- The FAIS Act explained for insurance brokers: FSP licence, fit and proper, records and the Ombud
- Treating Customers Fairly (TCF): the six outcomes, applied to an insurance brokerage
- FAIS representative: the definition, the register, and who in your brokerage it covers
- The Long-term Insurance Act 52 of 1998 for brokers: the sections that still apply, and how they show in chats
- The POPIA Act for South African brokers: the eight conditions for lawful processing and what each asks of you
- Debarring a representative under FAIS section 14: the order of events, and the file
- FAIS record-keeping: how long and how to archive WhatsApp conversations
- WhatsApp, mobile money and the NIC: a compliance guide for Ghanaian brokers
- FIMA and NAMFISA: preparing a Namibian brokerage for conduct supervision and WhatsApp records
- Nigeria: NAICOM, the NDPA 2023 and what a broker may send on WhatsApp
- POPIA and WhatsApp: what an insurance broker may send a client, and when
Articles: Follow-ups and renewals
- No premium, no cover: building a reminder calendar for Uganda and Tanzania
- Collecting premiums yourself: what section 45 asks of a South African brokerage
- No premium, no cover: collecting and remitting premium in Nigeria under NIIRA 2025
- Debit order disputes in South Africa: the 60-day rule and the mandate trail a brokerage needs
- Kenya: M-Pesa, the Insurance Regulatory Authority and WhatsApp premium reminders for brokers
- Month-end, paydays and public holidays: when to send premium reminders in Southern Africa
Articles: WhatsApp Business
- Templates in your clients’ languages: what Meta supports, and what it does not
- SIM swap and account takeover: protecting the number your clients message
- Meta business verification for a brokerage: documents, display name and the blue tick
- WhatsApp Business API pricing: what a brokerage really pays to message clients
- Messaging limits and quality rating: why your brokerage number gets throttled at month-end
- Setting up WhatsApp Business for a South African brokerage: number, opt-in and templates
Articles: Running the brokerage
- WhatsApp CRM pricing for insurance brokers in 2026: the low and high end of the market
- FICA in a brokerage: are you an accountable institution, and what if you are not?
- FAIS CPD: planning the cycle that closes on 31 May
- Broker fees and commission: what a South African brokerage may charge
- Buying a book of business: moving clients, consent and the WhatsApp inbox
- Onboarding a representative under supervision: the FAIS clocks and the WhatsApp access decision
- An adviser resigns: who keeps the WhatsApp conversations with your clients?
Articles: AI for brokers
- Is your AI inbox furnishing automated advice? The FAIS test, and section 38
- Before an AI tool touches your client book: the POPIA questions to put to a vendor
- AI in a Kenyan broker inbox: automated decisions, the DPIA and the ODPC register
- Your AI reads isiZulu less accurately than English: test the inbox before you automate
- Risk scores and AI in a brokerage: what POPIA section 71 actually requires
- AI drafts and auto-replies in a brokerage: what the compliance officer should sign off
Articles: Retention and loyalty
- Medical scheme broker fees in 2026: what a healthcare book actually pays
- Replacement business: what PPR rule 19 asks of your brokerage
- Your client says the policy lapsed: grace periods, reinstatement and what a broker may promise
- Underinsurance and the average clause: the sum-insured conversation to have before the claim
- When a client is retrenched: the cover that pays, and the cover to save
- Commission clawback: how to cut early-duration lapses in the first 12 months
- Lapse risk: how South African brokers use WhatsApp to stop policies falling away
Articles: Sales and prospecting
- Sectional title schemes: the insurance a body corporate must actually carry
- Record of advice under the FAIS General Code of Conduct, when the sale happened on WhatsApp
- Group funeral schemes: what a broker can actually sell to a burial society
- Sasria cover at renewal: what it covers, the 2026 wrap cover and the checks a commercial broker should run
- Broker vs direct insurers in South Africa: competing on service with WhatsApp
- Segmenting a South African book for a WhatsApp renewal campaign
Articles: Claims and client service
- Your client has died: who may instruct the brokerage, and what POPIA no longer covers
- Power surge or grid failure? What your client’s policy actually covers
- Repudiated for non-disclosure: what a South African broker’s file has to show
- RAF claim after a crash: what a South African broker tells an injured client, and where the brokerage stops
- Hail, flood, storm: running a claims surge without losing the book
- A client complains about a declined claim: National Financial Ombud or FAIS Ombud, and the records to keep
- Funeral cover for brokers: running claims and premium collection on WhatsApp
Country pages
- Insurance brokers on WhatsApp: what changes in each country
- Algeria
- Angola
- Belgium
- Benin
- Botswana
- Burkina Faso
- Cameroon
- Chad
- Congo-Brazzaville
- Côte d'Ivoire
- Democratic Republic of the Congo
- Eswatini
- France
- Gabon
- Ghana
- Guinea
- Kenya
- Lesotho
- Luxembourg
- Madagascar
- Mali
- Mauritius
- Morocco
- Mozambique
- Namibia
- Niger
- Nigeria
- Rwanda
- Senegal
- South Africa
- Switzerland
- Tanzania
- Togo
- Tunisia
- Uganda
- Zambia
- Zimbabwe
Use cases
- Use cases: what a brokerage does on WhatsApp with ORIS
- Premium reminders on WhatsApp: the full journey for a brokerage
- Sending and following up a motor insurance quote on WhatsApp
- Policy renewal on WhatsApp: announce, review, confirm
- Taking a claim notification on WhatsApp and seeing it through to settlement
- Collecting client documents on WhatsApp without losing anything
- Onboarding a new client on WhatsApp: opt-in, welcome and the first 30 days
- Cross-selling health cover to an existing client on WhatsApp
- Reactivating a dormant client on WhatsApp: who, when and with which message
- Claim follow-up on WhatsApp: keeping the client informed at every stage
- Client satisfaction surveys on WhatsApp: one question, one button, one action
- Cover review at the policy anniversary: the annual check-in on WhatsApp
- Birth, marriage, moving house: acting on life events over WhatsApp
- Running a commercial motor fleet on WhatsApp: additions, deletions, certificates
- Failed debit order, unpaid premium: chasing on WhatsApp without losing the client
- Client referrals on WhatsApp: turning satisfied clients into introductions
- Appointment reminders on WhatsApp: fewer no-shows, better-prepared clients
Message templates
- Ready-to-use WhatsApp message templates
- Premium reminder 10 days before the due date: the WhatsApp message that prevents a missed payment
- Sending an insurance quote on WhatsApp: the message that goes with the PDF
- Policy renewal notice on WhatsApp: new premium, date and what the client can do
- Claim acknowledgement on WhatsApp: the first message after a client reports a loss
- Requesting documents from a client on WhatsApp: the list that comes back complete
- New client welcome message on WhatsApp: setting expectations from day one
Comparisons
- Comparisons: tools and channels for an insurance brokerage
- WhatsApp Business app vs WhatsApp Business Platform (API): which one for a brokerage?
- SMS vs WhatsApp for insurance brokers: which channel for reminders and service?
- Email vs WhatsApp: which channel for a brokerage's client communication?
- Spreadsheets vs CRM: how far can a brokerage run its book on Excel?
- Generic CRM vs WhatsApp CRM: which one suits an insurance brokerage?
- Personal number or brokerage number: which WhatsApp should clients write to?
- WhatsApp groups vs shared inbox: how should a broking team organise itself?
- Chatbot vs supervised AI: what automation suits a brokerage's WhatsApp conversations?
Glossary
Solutions for brokerages
- Renewal reminders and lapse prevention software for insurance brokers on WhatsApp
- Insurance broker software in South Africa: adding WhatsApp next to your broker management system
- WhatsApp Business API for insurance brokers in Kenya: shared inbox, M-Pesa reminders and consent
- WhatsApp Business API for insurance brokers in Nigeria: shared inbox, NIIRA 2025 records and NDPA consent
Free resources (PDF kits)
- All free resources
- WhatsApp template pack for insurance brokers: reminders, renewals, claims (Meta categories explained)
- FAIS and POPIA client communication checklist for South African brokerages
- Lapse prevention kit for South African brokerages: debit order and grace period checklist (PDF)
- RE5 and RE1 study planner: FAIS fit and proper requirements, FSCA reading list, CPD
- Kenya and Nigeria broker compliance pack: IRA, Data Protection Act, NAICOM, NIIRA 2025