The CRM Built for Insurance & Broking Firms

Run the renewal book like a portfolio, not a monthly scramble

A broking firm's most valuable asset is its renewal book — and in most firms it lives in a spreadsheet that one operations person updates when they remember. The result is predictable: renewals surface two weeks before expiry, the RM calls in a hurry, the client has already taken a quote elsewhere, and a policy that took months to win lapses for want of a reminder. HelloGrowthCRM treats every policy anniversary as a scheduled workflow. The 90-day sequence opens with an email summary, moves to a personalised WhatsApp at 60 days, a dialer call at 30, and escalating flags in the final fortnight — running simultaneously across the whole book, with RMs stepping in only where a client responds or a risk flag fires. Renewal work stops depending on who remembered what, and the book compounds instead of leaking.

• Policy Records per Client: Every policy with insurer, product line, premium, anniversary date, and commission attached.
• 90-Day Renewal Sequences: Email, WhatsApp, and dialer touches scheduled automatically from the anniversary date.
• Lapse-Risk Flags: Non-responsive renewals escalate to the RM and branch head before the expiry date, not after.
• POSP Network Management: Onboarding, certification, monthly production, and attrition-risk alerts per agent.
• Claim-Stage Tracking: Intimation, surveyor, documentation, and settlement stages with client communication logged.
• Cross-Sell and Rider Prompts: Coverage gaps and life events surface as tasks at renewal time, when attention is highest.
• Commission Reconciliation: Expected versus received commission per insurer and product, with variance flags.
• Corporate Group Health Pipeline: RFPs, census data, claims MIS monitoring, and renewal negotiation stages.
• IRDAI-Ready Audit Logs: Timestamped, immutable interaction records exportable for inspection in minutes.
• Built-In Dialer and WhatsApp: Every client touch made from the record and logged against it automatically.

Claim-time contact, agent hierarchies, and the cross-sell you keep postponing

Clients do not judge their broker at renewal — they judge them at claim time. A health claim or a motor accident is the one moment the relationship is truly tested, and it is exactly when communication usually collapses into missed calls and “we are checking with the insurer.” HelloGrowthCRM keeps each claim as a staged record — intimation, surveyor assignment, documentation, settlement — with every client update logged and the next touchpoint scheduled. The client hears from your office at each stage without asking, which is the strongest renewal argument a broker can make, delivered months before the renewal call.

Distribution runs through hierarchies: branch heads over RMs, RMs over POSP agents, each agent with their own book. HelloGrowthCRM mirrors that structure — production per agent per month, product mix, certification and CE-hour status, and activity trends that flag a productive agent going quiet before they resign with their book. Cross-sell finally becomes systematic rather than aspirational: the CRM surfaces the motor client with no personal accident cover, the health policyholder whose family addition suggests a top-up, the term client due a critical-illness rider conversation — each as a task attached to a renewal or service touchpoint, when the client is already listening.

One walkthrough: a client's car meets an accident on a Saturday. The claim is intimated from the CRM the same day, the surveyor stage is updated Monday, and the client gets WhatsApp updates at each step. At settlement, the RM logs a service note — and the CRM schedules the follow-up that matters: a personal accident rider conversation at the motor renewal three months later, plus a referral request while the goodwill is fresh. Two policies and one referral from a single well-handled claim, none of it dependent on the RM's memory.

Insurance CRM — frequently asked questions