WhatsApp automation for loan and insurance agents in India
A loan enquiry at 10 pm is someone comparing three agents on one phone. Linkubit answers it within a minute, asks the questions eligibility depends on — amount, income, employment, city, tenure — sends the document checklist, chases what is missing, and hands your team an applicant who can be filed, not a "hi, home loan?".
Linkubit answers a loan or insurance enquiry on WhatsApp within a minute, captures amount, purpose, income, employment type, city and tenure, refuses to state an EMI or a premium until a person or your rate card has priced it, sends the document checklist, reminds about what is missing, and follows up sanction, disbursal and renewal. It gives no financial advice and says so.
Qualifies on
- Product — home, personal, business, vehicle loan; term, health, motor cover
- Amount or cover, and purpose
- Income and employment — salaried, self-employed, business
- City, and whether the property or vehicle is identified
- Tenure or policy term wanted
- Existing EMIs or policies, and any co-applicant
None of this is hardcoded. It is a schema you edit, which is why a completely different business runs on the same system.
Eligibility before a number
No EMI, no premium, until the facts are on the record
A rule blocks any figure until amount, income, employment type and tenure are captured. A rate from your card is quoted as a range with its conditions; a lender's decision is never predicted. The applicant is handed over complete.
- The block is a rule in code, not a hope in a prompt
- A quoted rate is one on your rate card, never a guess
quote_rates blocked — volume not captured yet
Sales Agent
Advice stays with a person
"Which policy should I take?" goes to you
A question that asks for a recommendation, a claim dispute or a complaint hands the conversation to a licensed person before a reply exists. The assistant explains products from your documents; it does not advise.
- Escalation fires on the topic, before the model answers
- The handover carries every field captured so far
Sales Agent
Internal note · good running volume, taking this one — Rohan
Rohan · took over
Also built for this market
The checklist that chases itself
One message lists every document with what it is for; a reminder names only what is still missing. A salary slip sent as a photo stays in the thread, beside the applicant's record, for the person who files.
Renewals that are reminded, not lost
A policy's due date is a field. Thirty days out and seven days out, a reminder with the premium and the link — as a utility message about a policy the customer holds.
One applicant across channels
The person who filled a form on your site, then messaged on WhatsApp, then called is one contact and one application, with every consent on the record.
From enquiry to a filed application
What a loan enquiry looks like when the first minute, the qualifying, the checklist and the reminders are handled, and a licensed person handles the advice and the filing.
Answered in a minute, with the two questions that matter
"Home loan for a flat in Pune, around 60 lakh?" is answered with the agent's name and two questions — salaried or self-employed, and is the property identified. Both are on the record before anything else.
Qualified on what eligibility depends on
Income, existing EMIs, tenure, co-applicant, city. Asked one or two at a time in the applicant's language. A number is stated only as a range from your rate card, with the conditions the card names.
The checklist, in one message
PAN, Aadhaar, six months of statements, salary slips or ITRs, the property papers — listed with what each is for. Photos sent to the thread stay there, beside the record, for the person who files.
Chased, not nagged
Two days later, a reminder that names only what is still missing. A reply — a document, a question, 'give me a week' — stops the reminders and reopens the conversation.
Sanction, disbursal, renewal
The sanction letter goes into the thread; the disbursal date is confirmed; for insurance, the policy document is sent and the renewal is reminded thirty and seven days out with the premium and a link.
The templates a loan or insurance agent sends
Four WhatsApp message templates for loan and insurance agents — enquiry received, document checklist, sanction or policy update, and a renewal reminder. Each is written the way Meta's review reads it, with no rate promised in a template.
| Template | Category | When it goes out |
|---|---|---|
| Loan enquiry received | Utility | The moment a loan or policy enquiry arrives, before eligibility is looked at. |
| Document checklist | Utility | Once eligibility facts are captured and the application can start. |
| Application status | Utility | When the lender or insurer moves the file — sanctioned, needs more, issued. |
| Renewal due | Utility | Thirty days and seven days before a policy the customer holds lapses. |
Each template opens on its own page with the variables, a filled example and what Meta’s review objects to. Utility and authentication templates cost ₹0.115 a message in India, marketing ₹0.8631 — the pricing guide has the rest.
Questions loans ask
Will the AI recommend a loan or a policy?
No. It explains products from the documents you loaded, captures eligibility facts and hands recommendations, claims and complaints to a licensed person. A rule escalates on those topics before a reply is written.
Can it quote an interest rate or a premium?
Only what is on your rate card, as a range with its conditions, and only after amount, income, employment and tenure are captured. It never predicts a lender's decision.
How does it handle documents?
The checklist is one message with what each document is for. A photo or PDF sent to the thread stays there beside the applicant's record for the person who files, and reminders name only what is still missing.
Is this compliant with the consent rules?
Marketing messages go only to people who opted in, carry a STOP line, and stop on STOP in any language. A renewal reminder is a utility message about a policy the customer holds. Erasure removes an applicant's data on request.
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