Renewals on time. Claims tracked. Compliance-friendly by default.
Lapse-driven churn is the single biggest leak in insurance distribution. Add to that scattered claim queries, IRDAI advertisement code that keeps tightening, and branch agents working off personal phones — and you have a compliance landmine. Trinetra CRM ships with renewal cadences, claim webhooks, and full 7-year audit trail baked in.
Rakesh Mehta
Health · Family Floater · ₹8L cover
⚠️ Renewal reminder · 7 days left
Family Floater HP-2025-44A1 · Premium ₹14,500
Renewal date: 9 May 2026
Pay Now →
10:00 · ✓✓📋 Claim HP-CLM-202
Status: Approved
Amount: ₹42,800
Payout: 3 May 2026 (NEFT)
The problem
Lapsed policies are leaking money. Branch phones leak compliance.
Insurance distribution in India runs on a thousand branch agents using personal WhatsApp. Customers forget renewal dates, claim queries vanish into someone's phone, and IRDAI's grievance window keeps shrinking. The compliance team is constantly playing catch-up.
Trinetra CRM treats insurance as a regulated business — every conversation is timestamped and archived for 7 years, every template is checked against IRDAI advertisement code, and every renewal has a structured cadence instead of a sticky-note reminder.
Six things you get
Built for insurers and brokers, not generic SaaS.
Renewal cadence
Three-touch ladder: 30-day soft nudge → 7-day urgent reminder → on-day "renew now" with one-tap pay link. Lapsed policy? 7-day grace-period reminder included.
Claim status auto-share
Webhook in from your claim system → Trinetra pushes status to the policyholder ("documents received", "field-investigation done", "approved"). Customer never has to call the branch.
Policy PDF on demand
Customer sends "policy doc bhejiye" — bot serves the latest PDF instantly. Auto-pulled from your policy-issuance system via API, no manual upload.
Compliance-friendly templates
IRDAI-aware language. No "lottery", "double money", or interest-rate guarantees. Marketing templates require verifiable opt-in. Compliance officer sleeps easier.
Branch-agent productivity
Each branch gets its own inbox view. Senior branch manager sees aggregate metrics. Auditor sees full message history per customer — exactly what IRDAI wants.
Customer audit trail
Every message timestamped, sender-attributed, archived for 7 years. Grievance redressal officers can pull a complete conversation export in 30 seconds.
Three setups this fits
Health, vehicle, term-life — same engine.
Multi-branch health insurance broker
Centralised renewal cadence keeps on-time renewals high without per-branch chasing. Lapse-driven churn drops because the reminder is structured instead of sticky-noted.
Vehicle-insurance startup
Click-to-quote on Instagram leads → bot collects RC + previous policy → quote in seconds → policy issued via WhatsApp. End-to-end in one short conversation.
Term-life cross-sell desk
Existing health-policy customers receive a contextual term-life nudge 60 days post-renewal. Cross-sell becomes a structured channel instead of a random tap on the agent's shoulder.
Ready-made templates
IRDAI-aware templates, day one.
Pre-written + reviewed against IRDAI advertisement code. Submit to Meta for approval, then map variable slots to your existing PAS schema.
Trigger · 30-day renewal nudge
Namaste {{customer_name}} 🙏 Aapki {{policy_type}} policy ({{policy_number}}) {{renewal_date}} ko renewable hai. Pay link: {{pay_link}} Kuch sawaal ho toh reply kijiye.
Trigger · 7-day urgent renewal
⚠️ {{customer_name}}, sirf 7 din bache hain {{policy_type}} ({{policy_number}}) ke renewal ke liye. Lapse hone par grace 30 din hai, but premium higher hoga. 👉 Renew now: {{pay_link}}
Trigger · Claim status update
{{customer_name}}, aapke claim {{claim_id}} ka status: 📄 Status: {{status}} 💰 Approved amount: ₹{{amount}} 📅 Expected payout: {{payout_date}} Query? Reply YES — agent jud jaayega.
Trigger · Policy document share
📎 Aapki {{policy_type}} policy ka latest document attached hai. Policy: {{policy_number}} Valid: {{valid_from}} → {{valid_to}} Customer care: {{support_phone}}
Trigger · Birthday wish + cross-sell
🎂 Janamdin Mubarak ho, {{customer_name}}! Aapke liye ek special offer hai — term-life policy pe {{discount}}% off, sirf is hafte tak. Details dekhne ke liye reply YES.
FAQ
Insurance-specific questions answered.
Is Trinetra IRDAI-compliant for insurer-customer communication?
Multi-agent for branches — who sees what?
Can grievance officers pull message history for IRDAI grievance reports?
Does it integrate with my policy admin system (PAS) or claims system?
Lower the lapse rate. Stop the audit panic.
Every plan ships with a 14-day free trial. Starter covers a single agent; Growth + Pro add branch-level segmentation, audit-export, PAS webhooks, and the compliance dashboard.