RenewPilot

Never miss a renewal, and never type the same reminder twice.

RenewPilot is a WhatsApp-first AI copilot for individual insurance agents, POSPs, and small brokerages in India. It reads policy PDFs, extracts renewal details, builds a due-date calendar, drafts multilingual WhatsApp reminders, and keeps the agent in control with approval-before-send workflows.

Business Goals

  • Reach 50 paying agents within 90 days of launch and 150 paying agents by month 12.
  • Convert at least 30% of completed pilots to paid subscriptions within 14 days.
  • Maintain monthly churn below 8% by month 6 and below 5% by month 12.
  • Keep CAC under ₹5,000 through content, referrals, and warm outbound.
  • Achieve break-even at 40 paying agents or fewer under the base cost structure.

User Goals

  • Let agents upload a policy PDF and see the renewal date extracted within 2 minutes.
  • Help agents review all renewals due this week in one dashboard.
  • Draft customer-ready WhatsApp reminders in English, Hindi, and one additional regional language.
  • Reduce missed renewals by at least 50% for active users.
  • Save agents time on manual follow-up and message writing every working day.

Non-Goals

  • Automatically sending messages without agent approval.
  • Scraping insurer portals or logging into insurer systems on behalf of agents.
  • Recommending which policy or insurer the customer should buy.
  • Building a full CRM, accounting system, or claims management suite in v1.

Rajesh, individual insurance agent, 41 - Rajesh handles health and motor renewals for about 350 customers from a tier-2 city. He works mostly from WhatsApp and a notebook, and he loses commission when follow-ups slip through the cracks.

Rajesh, individual insurance agent, 41

  • As a busy agent, I want to upload a policy PDF and get the renewal date extracted, so that I do not manually read every document.
  • As an agent, I want to see a weekly list of renewals due, so that I can prioritize follow-ups each morning.
  • As an agent, I want a WhatsApp reminder draft in my customer's language, so that I can send faster with less typing.

Meena, POSP seller, 29 - Meena sells standard health and travel policies and manages many small-ticket renewals on her phone. She needs a simple tool that works on low-friction mobile workflows and does not require data entry first.

Meena, POSP seller, 29

  • As a POSP, I want a zero-typing setup from PDF upload, so that I can start using the product in one sitting.
  • As a POSP, I want the system to flag unreadable or low-confidence documents, so that I can fix only the cases that need attention.
  • As a POSP, I want confirmation before messages are sent, so that I stay compliant and avoid embarrassing mistakes.

Amit, small brokerage owner, 38 - Amit manages a team of 6 agents and needs visibility into renewals, message status, and workload. He wants a lightweight team plan before he considers a full brokerage CRM replacement.

Amit, small brokerage owner, 38

  • As a brokerage owner, I want team accounts and shared renewal visibility, so that I can monitor performance across agents.
  • As a manager, I want exportable renewal lists and activity logs, so that I can review follow-up discipline.
  • As a brokerage owner, I want role-based access, so that agents only see their own customer data.

Policy PDF intake and extraction · High priority

  • Accept policy PDFs and extract customer, insurer, policy number, product type, premium, and renewal date with human review before scheduling any action.
  • Support PDF upload from mobile and desktop with progress and failure states.
  • Run OCR for scanned or image-based PDFs and show extraction confidence per field.
  • Display extracted values beside the source document for one-tap correction.
  • Mark password-protected, corrupted, or unreadable files with a clear reason and fallback manual entry path.
  • Store every user correction to improve future extraction quality and prompts.

Renewal calendar and due list · High priority

  • Create a renewal timeline from extracted policies and surface daily, weekly, and overdue follow-ups so the agent always knows what to chase next.
  • Auto-create renewal records after confirmation of extracted data.
  • Provide Today, Due This Week, Overdue, and Upcoming tabs.
  • Allow filters by insurer, product type, language, and assigned team member.
  • Send daily digests by WhatsApp or in-app notification at a configured local time.
  • Prevent duplicate renewals from creating duplicate reminders using idempotent record matching.

WhatsApp draft generation · High priority

  • Generate transaction-style WhatsApp message drafts in approved languages so the agent can send customer reminders quickly without typing from scratch.
  • Generate reminders in English, Hindi, and one selectable regional language per account.
  • Use utility-category wording and include opt-out-friendly, factual language.
  • Let the agent edit text before approval and sending.
  • Show a preview with customer name, policy reference, and renewal date populated from the record.
  • Block send actions if required fields are missing or confidence is below threshold.

Approval-first sending workflow · High priority

  • Ensure no customer message is sent without explicit agent approval, while supporting safe retries, undo, and audit logging.
  • Require an approval tap for every outbound message.
  • Support a 5-minute undo window for queued sends.
  • Throttle sends per customer per day to prevent accidental spam.
  • Maintain an immutable activity log for message drafts, edits, approvals, sends, and failures.
  • Provide a global pause switch and per-agent pause switch for safety incidents.

Team and billing foundation · Medium priority

  • Support small brokerages and paid plans with usage limits, role-based access, and subscription management.
  • Create single-agent and team workspace modes.
  • Allow role types for owner, agent, and admin.
  • Track plan limits by number of policies and team seats.
  • Integrate recurring billing with invoice and payment status visibility.
  • Allow annual prepay and plan upgrades without data loss.

Fast Start Onboarding

  • Create account with phone number and WhatsApp verification
  • Choose language and workspace type: individual agent or team
  • Upload one sample policy PDF or drag-and-drop multiple files
  • Review extracted renewal details and correct anything uncertain
  • See the first renewal list and WhatsApp draft within 2 minutes
  • Invite a teammate or upgrade only after the first value moment

1. Upload policy

  • The agent starts by uploading one or more policy PDFs from phone or desktop.
  • Accept drag-and-drop, file picker, and mobile share-sheet flows.
  • Show upload progress and file type validation before processing.
  • If a file fails, explain whether the issue is OCR, corruption, or password protection.

2. Extract and confirm

  • The system reads the document and proposes key fields for review.
  • Show renewal date, customer name, insurer, policy number, and premium side by side with the source PDF.
  • Highlight low-confidence fields in amber and require confirmation before proceeding.
  • Allow manual edits for any field, and keep a change history for auditability.

3. Build due list

  • Confirmed policies become reminders in a calendar and weekly queue.
  • Auto-sort by due date and overdue status.
  • Group by next 7 days, this month, and overdue to reduce daily decision making.
  • Handle duplicate uploads by matching policy number, customer phone, or filename fingerprints.

4. Draft message

  • For each due renewal, the agent gets a ready-to-send WhatsApp draft in the right language.
  • Generate concise transactional copy using customer and policy context.
  • Support quick language switching and message tone presets such as polite, urgent, and friendly.
  • If a template is not approved, show a clear retry path and fallback copy.

5. Approve and send

  • The agent reviews, approves, and sends the message with safeguards.
  • Require explicit send confirmation before any customer contact.
  • Log delivery status and template status in the activity feed.
  • If sending fails, preserve the draft and offer retry or edit instead of losing work.

Power User Capabilities

  • Team dashboards with per-agent renewal performance and workload views
  • Quote comparison fields for agent-entered or insurer-provided offers
  • Claim filing checklist templates for common product types
  • Bulk upload and bulk review for brokers managing large policy batches
  • Export to CSV and PDF for offline review or backup
  • Per-insurer extraction quality analytics and correction review queue

Interface Principles

  • Mobile-first layout designed for WhatsApp-heavy daily use
  • Large tap targets and minimal typing on small screens
  • Clear confidence indicators and source-linked extracted values
  • Fast-loading list views with optimistic updates under 2 seconds
  • Accessible contrast, readable typography, and bilingual UI support
  • Persistent safety banner for approval status, failed sends, and paused workflows

Rajesh spends every Monday morning going through notebooks and old WhatsApp chats to figure out which customers are due for renewal. He often notices the due date only after the customer has already spoken to another agent, and that means lost commission and awkward follow-up calls.

With RenewPilot, Rajesh uploads a policy PDF, confirms the extracted renewal date, and sees the policy appear in his weekly renewal list. The app drafts a WhatsApp reminder in Hindi, he taps approve, and the message is ready in seconds instead of several minutes of manual typing.

After a few weeks, Rajesh is saving multiple renewals each month and spending less time searching for dates. He feels more organized, customers get timely reminders in their preferred language, and his renewal income becomes more predictable.

User-Centric Metrics

  • At least 80% of active users review and confirm extracted policies without support assistance.
  • At least 60% of uploaded policies are converted into scheduled renewal reminders within 2 minutes.
  • At least 70% of agents send a drafted WhatsApp message within 24 hours of a due reminder.
  • Reduce missed renewals reported by users by 50% within the first 60 days of use.
  • Achieve a weekly active usage rate of at least 65% among paid users.

Business Metrics

  • Convert 30% or more of pilot users to paid plans.
  • Reach 50 paying agents by month 3 and 150 by month 12.
  • Keep monthly churn under 8% after month 6.
  • Maintain gross margin above 75% on the blended plan.
  • Achieve at least 25% of new signups through referrals or warm community introductions.

Technical Metrics

  • Maintain 99.5% monthly uptime for the core app.
  • Keep PDF extraction and draft generation latency under 15 seconds for 90% of jobs.
  • Ensure zero unconfirmed message sends in production.
  • Pass daily backup restore checks with no critical failures.

Tracking Plan

  • Track policy_upload_completed with file type, source device, and workspace type.
  • Track extraction_completed with field confidence, OCR usage, and insurer tag.
  • Track extraction_corrected with edited fields and time to correction.
  • Track renewal_due_viewed with list type and number of items shown.
  • Track draft_generated with language, template type, and generation latency.
  • Track message_approved and message_sent with status, failure reason, and delivery outcome.
  • Track subscription_converted with plan selected, source channel, and days since first value moment.

Technical Needs

  • Frontend in Next.js or React with mobile-first responsive design.
  • Backend API in Node.js or Python FastAPI with job queue support.
  • OCR and document parsing pipeline using a managed OCR service plus rules-based normalization.
  • PostgreSQL for relational data and object storage for PDFs and generated assets.
  • Background jobs via Redis Queue, BullMQ, or Celery for extraction and message workflows.
  • Role-based authentication using phone OTP and session management.
  • Observability stack with structured logs, error tracking, and job monitoring.

Integration Points

  • WhatsApp Business API via a provider such as Interakt, Gupshup, AiSensy, or Meta Cloud API.
  • OTP and SMS fallback via an India-focused provider such as MSG91 or Twilio.
  • OCR/document processing via Google Cloud Vision, AWS Textract, or Azure Document Intelligence.
  • Email notifications and support through SendGrid or similar transactional email service.
  • Payments and subscription billing via Razorpay.

Data Storage & Privacy

  • Store customer and policy data in encrypted databases and encrypted object storage.
  • Keep a tenant boundary between agents and teams with strict row-level access control.
  • Log consent and provide delete/export workflows for personal data requests.
  • Support data retention rules aligned to Indian DPDP obligations and configurable deletion windows.
  • Limit storage of message content and keep audit logs for compliance and dispute resolution.

Scalability & Performance

  • Design the extraction queue to process bursts of batch uploads from brokerages without degrading the app.
  • Use caching for renewal lists and dashboard summaries to keep common views under 2 seconds.
  • Separate PDF processing from interactive UI requests so one large file never blocks the workspace.
  • Plan for per-tenant rate limits on WhatsApp sends and OCR jobs to protect deliverability and cost.

Potential Challenges

  • OCR accuracy may drop on blurry or vernacular PDFs; mitigate with confidence scoring, manual correction, and a fallback entry form.
  • WhatsApp templates may be reclassified or rejected; mitigate with utility-first copy, daily template monitoring, and backup channels.
  • Agents may forget to confirm drafts and assume messages were sent; mitigate with explicit approval states, delivery receipts, and reminders.
  • Data privacy and insurance compliance risk is high; mitigate with a lawyer-reviewed DPA, consent records, audit logs, and least-privilege access.
  • Unit economics may worsen if usage shifts to marketing-rate messaging; mitigate with pricing guardrails, cost alerts, and per-plan send limits.

Team & resourcing - Small team - 2 engineers, 1 designer, and a part-time PM/founder operator.

Phase 1: Validation concierge · Weeks 1-2

  • Interview 20 agents and shadow 5 working days
  • Manually extract renewal dates from 5 to 10 pilots
  • Create the first renewal audit sheet and reminder draft workflow
  • Set up WhatsApp templates and compliance review checklist

Phase 2: MVP build · Weeks 3-6

  • Policy PDF upload and OCR extraction
  • Confirmation screen with editable fields and confidence indicators
  • Renewal list with due this week and overdue views
  • WhatsApp draft generation in 3 languages
  • Basic audit log and manual pause controls

Phase 3: Paid pilot · Weeks 7-12

  • Subscription billing and plan limits
  • Daily digest notifications and message send approvals
  • Pilot onboarding for 10 to 20 agents
  • Analytics for uploads, confirmations, sends, and conversions
  • Exportable activity logs and correction feedback loop

Phase 4: Team and scale · Months 4-8

  • Team workspace and role-based access
  • Quote comparison inputs and broker-level reporting
  • Per-insurer extraction analytics and quality monitoring
  • Referral loops, annual billing, and support tooling

Paste this into Cursor, Bolt, Lovable, or v0 to start building.

Build a WhatsApp-first AI copilot for Indian insurance agents called RenewPilot.

Product summary:
Agents upload customer policy PDFs. The app extracts renewal date, customer name, insurer, policy number, and premium, shows a confirmation screen, builds a renewal calendar, and generates WhatsApp reminder drafts in English, Hindi, and one regional language. The agent must approve every message before send. Target users are individual insurance agents, POSPs, and small brokerages.

Core screens and flows:
1. Auth with phone OTP and workspace selection: individual or team.
2. Upload policies screen with drag-and-drop, mobile file picker, and batch upload.
3. Extraction review screen showing PDF preview on the left and extracted fields on the right with confidence indicators and inline editing.
4. Renewal dashboard with Today, Due This Week, Overdue, and Upcoming tabs plus filters by insurer, language, and assigned user.
5. Draft message screen with AI-generated WhatsApp copy, language switcher, and approve/send controls.
6. Activity log and audit trail for uploads, edits, approvals, sends, failures, and pauses.
7. Team admin and billing screen with roles, plan limits, and subscription status.

Data model:
Users, Workspaces, Roles, Customers, Policies, PolicyUploads, ExtractedFields, Renewals, MessageDrafts, MessageSends, Templates, AuditEvents, Subscriptions, and LanguagePreferences. Each policy belongs to one workspace. Each renewal is derived from a confirmed policy. Each message draft belongs to a renewal and must be approved before send. Store PDFs in object storage and metadata in PostgreSQL.

Functional requirements:
Implement OCR and document parsing with confidence scoring. Support manual correction of extracted fields. Generate reminder drafts using an LLM with strict prompt templates for factual, transactional copy only. Integrate WhatsApp Business messaging through a provider API. Add per-user and per-workspace role-based access control. Add pause switches, undo window, send throttling, and delivery status tracking. Add analytics events for upload, extraction, correction, draft generation, approval, send, failure, and subscription conversion.

Tech stack:
Use Next.js with TypeScript and Tailwind CSS for the frontend, FastAPI or Node.js for the backend, PostgreSQL for the database, Redis and a background job queue for OCR and message jobs, S3-compatible storage for PDFs, and a provider like Meta Cloud API, Interakt, Gupshup, or AiSensy for WhatsApp. Use Razorpay for billing and a managed OCR service such as AWS Textract, Google Cloud Vision, or Azure Document Intelligence.

Important product rules:
No automatic sending without explicit approval. No insurer portal scraping. No product-buying advice or insurer ranking. Design for mobile-first use and very fast time to value. Build graceful failure states for unreadable PDFs, duplicate uploads, rejected templates, and send failures. Include a simple dashboard, audit log, and team admin panel.

Please scaffold the full app with realistic sample data, reusable components, API routes, database schema/migrations, and a clean UI that is production-ready enough for a pilot.

Business Idea

Insurance Agent Copilot: Business Plan (India) Prepared 7 Oct 2026 · Bootstrapped · Founders: 2 · Status: pre-validation (no customers yet) 1. Executive summary What we build: A WhatsApp-first AI copilot for individual insurance agents, POSPs and small brokers in India. The agent uploads a customer's policy PDF. The AI reads it, tracks the renewal date, prepares renewal quote comparisons, and drafts a WhatsApp message in the customer's language. The agent reviews and taps approve. Why it matters: Agents lose commission whenever a renewal slips. Most track renewals in Excel, diaries or memory. One saved renewal a month covers the subscription. Price: ₹999 / ₹1,999 / ₹2,999 per agent per month (blended ₹1,500 assumed). Goal for 12 months: 150 paying agents (base case), about ₹2.25 lakh MRR, break-even at roughly 38 to 41 paying agents. The one thing we must prove first: that agents name renewal chasing as a top pain and will pay. Nothing is built until 8 of 20 agents name the same problem. 2. Problem • An agent with 300 to 500 customers has a renewal falling due almost every working day, each with a different insurer, date and product. • Tracking is manual. Missed or late renewals mean the customer buys elsewhere or lapses, and the agent loses the commission. • Comparing renewal options across insurers takes time, so many agents skip it. • Customers expect WhatsApp and local-language communication, which agents write by hand. 3. Solution and product scope Version What it does Human in the loop v0 (weeks 1 to 4, concierge) Founders do the work by hand with AI help for 5 to 10 agents: extract renewal dates, build a reminder sheet, draft messages Founder checks everything v1 (weeks 5 to 12) Policy PDF upload, AI extraction, renewal calendar, daily "due this week" list, WhatsApp drafts in 3 languages Agent approves every message v2 (months 4 to 8) Quote comparison from agent-entered or insurer-provided quotes, claim-filing checklists, team accounts for small brokerages Agent approves Later Cross-sell prompts, customer self-service links Opt-in only Deliberate non-goals for v1: scraping insurer portals, auto-sending without approval, giving advice on which policy to buy. These carry the highest legal and reliability risk. 4. Market • IRDAI's 2024-25 annual report puts individual insurance agents at about 31.23 lakh, up 7.87% on the year. Health premiums reached ₹1,17,505 crore. • Older IRDAI data (FY2020-21) counted about 8.28 lakh point-of-sale persons (POSPs), a segment focused on standard motor, health and travel products. • Not all agents are reachable. My working assumption (to be tested): 10% are active, smartphone-fluent and willing to pay for software, about 3.1 lakh agents. Segment Agents Annual revenue at ₹1,500/month All individual agents (theoretical ceiling) 31.2 lakh ₹5,621 crore Serviceable (assumed 10%) 3.1 lakh ₹562 crore Realistic 3-year target (assumed 1% of agents) 31,230 ₹56 crore The 10% and 1% figures are planning assumptions, not sourced facts. The interview phase should replace them. 5. Customer and competition Primary customer: an individual agent or POSP, general and health lines first, in tier-2 and tier-3 cities, using WhatsApp all day. Secondary customer: small brokerages with 3 to 20 agents (team plan, higher price). Alternatives agents use today: Excel, diaries, free CRMs, insurer portals, and existing insurtech and broker platforms. I have not researched named competitors yet. Before launch we should run a competitor teardown of the broker CRM and insurtech tools agents already use, then position on three things: local-language WhatsApp, PDF-first onboarding (no data entry), and price under ₹2,000. Our edge: zero-typing setup (upload a PDF), approval-first WhatsApp drafts, Indian-language quality, and founder-led content that agents trust. 6. Go-to-market Following the four-step formula: 1. Industry: insurance distribution is dusty and fragmented. 2. Customer closeness: 20 agent interviews in the first 10 days, then 50 more. Shadow 5 agents for a day each. 3. Targeted content: 3 posts a week on LinkedIn, Instagram and Telegram/WhatsApp agent groups. Examples: "7 reasons customers don't renew", renewal-calendar templates, monthly IRDAI rule-change explainers. 4. Warm outbound: message everyone who engages with a post. Offer a free "renewal audit": upload 20 policies, get back a due-date sheet and drafted messages. Pricing: free 14-day pilot with up to 25 policies, then ₹999 (up to 150 policies), ₹1,999 (up to 500), ₹2,999 (unlimited plus team seat). Annual prepay at 2 months free to cut churn. Channels to avoid early: paid ads, cold WhatsApp blasts to purchased lists (spam and legal risk). 7. Unit economics (per agent per month) Assumptions: ₹1,500 blended price, 25 renewals a month per agent, 4 WhatsApp messages per renewal (100 messages), 18% GST on WhatsApp charges, 2% payment gateway fee. Item Best case (utility templates) Worst case (templates reclassified as marketing) WhatsApp messages ₹17 ₹102 AI processing (PDF reading, drafting) ₹120 ₹120 Hosting and storage ₹60 ₹60 Payment gateway ₹35 ₹35 Support and onboarding ₹80 ₹80 Cost per agent ₹313 ₹397 Contribution per agent ₹1,187 ₹1,103 Gross margin 79% 73.5% WhatsApp rates used: utility ₹0.145 and marketing about ₹0.86 per delivered message, as published by Indian WhatsApp providers in 2026. Meta changed its service-message billing on 1 Oct 2026, so re-check the live rate card before pricing is final. The AI cost, hosting and support lines are my estimates, to be replaced with real numbers from the pilot. Fixed costs: about ₹45,000 a month (tools, WhatsApp provider base fee, accounting and legal, content and events, buffer), founders unpaid. Break-even: about 38 paying agents (best case) to 41 (worst case). Lifetime value: about ₹23,750 per agent at 5% monthly churn, ₹14,850 at 8%. Target acquisition cost under ₹5,000, achievable only if content and warm outbound work. 8. Twelve-month scenarios Scenario Month 3 Month 6 Month 9 Month 12 MRR at month 12 First profitable month Peak cash need Conservative 3 agents 12 30 60 ₹90,000 Month 10 about ₹2.8 lakh Base 5 30 80 150 ₹2.25 lakh Month 7 about ₹1.8 lakh Optimistic 10 60 200 400 ₹6 lakh Month 5 about ₹1.25 lakh Agent counts are planning targets, not forecasts. Cash need uses the best-case margin and straight-line growth between the checkpoints, so treat it as a rough guide. Plan to hold at least ₹3 lakh so the conservative case is survivable. 9. Failure modes and contingencies This is the error-handling section: what can go wrong, how we notice, and what we do. 9a. Product and technical Failure Early warning Built-in handling Fallback AI misreads a policy PDF (wrong renewal date, premium or name) Extraction confidence below threshold, agent edits the field Show extracted fields next to the PDF, require one-tap confirmation before any reminder is scheduled; never send on unconfirmed data Manual entry form; log every correction to improve prompts Scanned, blurry, password-protected or vernacular PDFs Extraction returns empty or low confidence OCR step, password prompt, clear "could not read" message with the reason Agent types 4 fields (customer, insurer, policy number, renewal date) Wrong or duplicated WhatsApp message sent Agent rejects drafts, customer complaints Approval-first sending, per-customer daily cap, idempotent send queue, 5-minute undo window Pause switch per agent and globally; apology template WhatsApp template rejected or reclassified as marketing Rejection email in provider dashboard, cost spike Submit templates as utility with transactional wording; monitor template status daily; alert if cost per message jumps Pre-approved backup templates; SMS or email fallback WhatsApp number flagged or banned Quality rating drops, delivery failures Send only to customers the agent already serves; honour STOP replies; ramp volume slowly Second number per agent; move to approved provider AI vendor outage or price rise API errors, latency, bill growth Retry with backoff, queue jobs, cache results, budget alerts Secondary model provider; reminders still run from stored dates without AI Data loss or breach Failed backup checks, access anomalies Encrypted storage, daily backups with restore test monthly, role-based access, audit log Incident runbook: contain, notify users and regulator as the law requires Insurer formats change Extraction accuracy drops for one insurer Per-insurer accuracy dashboard, regression set of sample policies Insurer-specific prompt fixes within a week 9b. Business Failure Early warning Response Agents say renewals are not their top pain Fewer than 8 of 20 name the same problem Stop. Re-interview for the next-ranked pain (claims chasing, quotes, cross-sell) or switch to the backup ideas (hospital claims, logistics reconciliation). Interested but unwilling to pay Pilots finish with under 30% converting Test per-renewal pricing or free-tier plus paid add-ons; talk to the non-payers within 48 hours High churn (above 8% a month) Agents stop uploading after week 3 Weekly "renewals saved" summary, onboarding call for every new agent, annual prepay Insurers or platforms build the same feature Competitor launches in the agent's own app Stay multi-insurer and local-language; move up to brokerage teams Acquisition too slow Under 10 new pilots a month after month 3 Shift effort to agent communities, brokerage owners and referral credit (one free month per referral) Founder conflict or burnout Missed weekly goals Written roles, weekly review, vesting schedule from day one 9c. Legal and regulatory (confirm with a lawyer before launch) • Personal data: We hold customers' names, phone numbers and policy details on the agent's behalf. India's Digital Personal Data Protection Act, 2023 and its Rules apply. Plan for consent records, a clear privacy notice, a data-processing agreement with each agent, deletion on request, and storing data in India. • Insurance rules: IRDAI regulates how agents solicit and what they say. Product messages must come from the licensed agent and stay factual. We provide drafts and comparisons, and the agent is responsible for what they send. No product advice or ranking of insurers by commission. • WhatsApp policy: Only message people who opted in or are existing customers, include an opt-out, and keep templates accurate. • Terms of service: the agent is the data controller, we are the processor; limit liability for AI extraction errors with the confirm-before-send design. 10. Ninety-day plan and kill criteria Weeks Goal Pass mark 1 to 2 20 agent interviews, 5 shadowing days 8 or more name the same pain 3 to 4 Concierge pilot with 5 to 10 agents (manual plus AI) 5 agents use it weekly 5 to 8 Build v1 (PDF upload, renewal list, WhatsApp drafts in 3 languages) 15 agents onboarded in one evening each 9 to 12 Start charging, 3 posts a week, warm outreach to everyone who engages 10 paying agents, under 8% monthly churn, at least 2 renewals saved per agent a month Kill or pivot rule: if by week 12 fewer than 5 agents pay and fewer than 2 renewals per agent are saved, we stop building and go back to interviews or switch idea. Review each Friday. 11. Immediate next actions 1. Make a list of 40 agents and POSPs (LinkedIn, local insurance groups, family contacts). 2. Send the 5-question interview message to all 40 this week. 3. Create a one-page "renewal audit" offer for the warm leads. 4. Open a WhatsApp Business account and draft three utility-category templates (renewal reminder, quote ready, thank you). 5. Talk to a lawyer about DPDP and IRDAI points before taking any customer data. Sources • IRDAI Annual Report 2024-25 figures via Outlook Money: https://www.outlookmoney.com/insurance/irdai-report-202425-growth-in-savings-health-and-digital-adoption • POSP count (IRDAI FY2020-21) via Cyril Amarchand Mangaldas: https://corporate.cyrilamarchandblogs.com/2022/09/point-of-sales-persons-an-alternate-distribution-channel-for-insurers/ • WhatsApp India per-message rates and service-message change: https://news.aisensy.com/news/123053-whatsapp-per-message-pricing-update and https://m.aisensy.com/blog/whatsapp-pricing-update-october-2026/ • Marketing rate and 18% GST: https://montymobile.com/blogs/whatsapp-business-api-pricing-in-india-inr-rates-gst-and-the-2026-currency-migration-deadline

Make My PRD

Design by The Resonance | Powered by GPC – The AI Transformation Company