WhatsApp template: policy renewal due
Thirty days and seven days before a policy the customer holds lapses.
A utility template, sent thirty days and seven days before a policy the customer holds lapses. Usually sent outside the 24-hour window, so it is charged: ₹0.115 per message in India, before GST.
The template
Hi {{1}}, your {{2}} policy {{3}} is due for renewal on {{4}}. The renewal premium is {{5}}. Pay here: {{6}}. Reply here if any detail has changed.Variables
{{1}}— Customer name{{2}}— Policy type{{3}}— Policy number, masked{{4}}— Due date{{5}}— Premium with currency{{6}}— Payment link
Filled in
Hi Neha, your health policy ending 4471 is due for renewal on 12 October. The renewal premium is ₹14,320. Pay here: https://pay.example/r/4471. Reply here if any detail has changed.
When to send it, and what gets it rejected
A renewal of a policy the customer already holds is a utility message; an upsell to a bigger cover in the same message makes it marketing and needs opt-in. The premium is the insurer's figure, entered by a person — never one the assistant worked out.
Submitting it to Meta
Create it in WhatsApp Manager (or through your tool) with the category Utility, paste the body with the {{n}} variables, and give each variable a sample value from the example above — Meta’s review reads the samples. Approval usually takes minutes to a few hours. If it comes back re-categorised as marketing, a line in the body reads as promotional; remove it rather than argue.
What it costs to send
In India, Meta charges ₹0.115 per delivered message for a utility template, plus 18% GST, when it is sent outside the customer’s 24-hour window. Inside the window it has been charged at the same rate since 1 October 2026. The pricing guide has the full rate card; Linkubit adds nothing to it.
Send it without typing it
In Linkubit this template is a step the assistant sends on its own when the moment arrives — the enquiry lands, the visit is booked, the shipment moves — with the variables filled from the record. Start free and connect your number.
Questions about this template
Is "Renewal due" a utility or a marketing template?
Utility. It is about the customer's own transaction, so it needs no separate opt-in, and it is charged at the utility rate inside and outside the 24-hour window since 1 October 2026.
What does it cost to send "Renewal due" in India?
₹0.115 per delivered message before 18% GST, on Meta's published rate as read on 18 September 2026. It is usually sent outside the window, so it is charged from the first message. Meta bills your own account; nothing is added.
Can I change the wording of "Renewal due"?
Yes. Keep the variables in order and none at the start or end of the body, keep the category honest — no offer, discount or "limited time" line in a utility message — and resubmit; the previous version keeps working until the new one is approved. The template checker tests a draft before you submit it.
More templates for loan & insurance agents
- Loan enquiry received — The moment a loan or policy enquiry arrives, before eligibility is looked at.
- Document checklist — Once eligibility facts are captured and the application can start.
- Application status — When the lender or insurer moves the file — sanctioned, needs more, issued.
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