BroadNet
Industry · Insurance

Policy-grade messaging
for insurers and InsurTech.

Renewal and premium-due reminders, claims-status updates, FNOL acknowledgements, document requests and fraud alerts — for insurers, brokers and third-party administrators. Consent-scored, PDPL-aligned, with deep-links that keep policy data out of the message body.

Insurance traffic · at a glance
1,000+
Direct operator connections
Direct binds in 86 countries
PDPL
Consent ledger
Per-jurisdiction, timestamped + exportable
23 yrs
Regulated messaging
Carrier-grade since 2003
200+
Countries served
From a single API key
Policyholder messaging that respects the data and the regulator alike.

Insurers and administrators running on BroadNet

Insurance group, Middle EastRegional health-insurance providerMotor & general insurer, GCCCross-border InsurTech platformThird-party claims administratorBancassurance programmeTakaful operatorReinsurance-backed MGA
Use cases

Every policyholder message,
from quote to claim.

The same orchestration that acknowledges a first notice of loss in seconds also runs your renewal reminders, premium-due nudges and document chases — with the consent guardrails regulated insurance demands.

Renewals & lapse prevention

Timed WhatsApp and SMS reminders ahead of the premium-due date, with a one-tap renew deep-link — improving persistency and cutting avoidable lapse.

T-30 · T-7 · T-1Renew deep-linkQuiet hours

Claims status

FNOL acknowledgement through to settlement — each stage pushed with a secure deep-link to the claims portal, never the claim data itself.

FNOL ackPortal deep-linkPII-scrubbed

Premium & payment reminders

Instalment-due, grace-period and payment-confirmation notices with a pay-now link — routed through the cheapest channel that reliably delivers.

Instalment alertsPay-now linkMulti-currency

Document & KYC requests

Missing-document chases, medical-form links and KYC re-verification flows — with upload deep-links and status back into your policy admin system.

Upload deep-linkPAS webhookAudit-logged

Fraud & risk alerts

Suspicious-claim and unusual-activity alerts to policyholders and adjusters in seconds, with sender-ID protection against impersonation.

Real-timeSender-ID protectedTwo-way ready

Conversational servicing

Policy questions, cover changes and claim intake on WhatsApp Business with agent handoff for complex cases — fully two-way and history-preserving.

Official Meta BSPAgent handoffMulti-language
Compliance

Conduct-aligned by default.

Insurance messaging is watched by conduct regulators and data-protection authorities alike. Every send is consent-scored, logged and signed — and policy data stays in your admin system, not in the message body.

CBUAECBUAE / SAMA conduct

Aligned to UAE (CBUAE) and KSA (SAMA) insurance market-conduct expectations for policyholder communication, disclosure and treating customers fairly.

Attestation available on request
PDPLUAE & KSA PDPL

Federal Decree-Law 45/2021 and KSA PDPL 2023 — consent ledger, lawful-basis tagging and cross-border data restrictions enforced in-flight.

Attestation available on request
GDPRGDPR & CCPA

EU GDPR Article 28 DPA, UK GDPR and California CCPA/CPRA addenda available for insurers writing cross-border risk.

Attestation available on request
TDRATDRA sender-ID rules

Alphanumeric sender-ID registration, promotional AD- prefix and 7am–9pm GST sending window enforced automatically for UAE traffic.

Attestation available on request
ISOISO/IEC 27001:2022

Information-security management certified across Dubai, Frankfurt and Singapore data-centre estates.

Attestation available on request
SOC 2SOC 2 Type II

Security, availability and confidentiality criteria, audited continuously across a 12-month observation window.

Attestation available on request
Case study · regional insurer

Renewal reminders moved to WhatsApp, with pay-now deep-links in every message.

Challenge: Renewal notices went out by email and post, with policy lapse concentrated among policyholders who never opened them. Approach: A regional insurer moved renewal and premium-due reminders onto BroadNet's WhatsApp + SMS orchestration with renew and pay-now deep-links and a per-jurisdiction consent ledger. Reference available under NDA.

Channel mix

The channel mix
insurers actually run.

Insurance leans on WhatsApp for the rich, two-way servicing and claims moments, SMS for universal-reach reminders that must land on every handset, and Voice for high-touch claims and elderly policyholders.

WhatsApp Business

Claims intake, servicing and renewals — branded, two-way, high open rate.

SMS

Universal reach for premium-due, lapse warnings and OTP portal access. Every policyholder, every handset.

Voice & flash-call

High-touch claims callbacks, accessibility for elderly policyholders and OTP failover.

Architecture

From policy admin
to the policyholder's pocket.

One REST call from your policy admin system, claims platform or CRM. BroadNet handles channel selection, template hydration with deep-links, failover and DLR reconciliation — and never sees policy data in the message body.

Insurer
PAS · claims · CRM
BroadNet
Routing · consent-aware
Carrier / Meta
Direct route
Policyholder
Portal deep-link
01 · Ingest

Webhook from Guidewire, Sapiens, a bespoke PAS or your CRM. Policy-id-keyed, template-pinned, data stays in your system.

02 · Decide

WhatsApp if reachable; SMS otherwise. Consent and quiet-hour check per jurisdiction; hydrate template with a signed portal deep-link.

03 · Deliver

Direct Meta or MNO route. DLR back to your PAS within seconds. Cryptographically sealed audit log retained per PDPL.

Why insurers pick BroadNet

Built for the conduct team too.

  • Deep-link template manager — policy and claim data never lands in a message body, only a signed link to your portal.
  • Per-jurisdiction consent ledger across SMS, WhatsApp and Voice, with every opt-in and opt-out timestamped and exportable.
  • Sender-ID protection so your brand cannot be spoofed by claims-fraud and phishing actors.
  • PAS / claims / CRM webhooks for Guidewire, Sapiens and custom stacks — no glue code.
  • AED, SAR, USD and EUR billing with volume tiers from 100k messages a month upward.
Built for your industry

Your industry, on a carrier-grade network.

Compliant, reliable messaging tuned to your sector — across MENA, Africa and Asia.

200+
Countries
60,000+
Enterprises
Since 2003
Operator-direct
Questions

The questions buyers ask most.

How does BroadNet keep policy and claim data out of messages?

+

The template manager enforces a data-light pattern: the message carries a signed, expiring deep-link to your policyholder portal, and the sensitive data stays in your policy admin or claims system. Nothing beyond what a policyholder needs to recognise the message travels over the wire, which keeps you inside PDPL and GDPR data-minimisation expectations.

Can you handle renewals across multiple markets and currencies?

+

Yes. A single template manager covers your full renewal lifecycle across markets, with per-jurisdiction consent, quiet-hour and sender-ID rules applied automatically, and billing in AED, SAR, USD or EUR. Insurers typically consolidate several country-level SMS contracts onto one BroadNet agreement.

Is WhatsApp appropriate for claims and servicing?

+

For most personal-lines servicing, yes — as an official Meta Business Solution Provider we run branded, two-way WhatsApp with agent handoff for complex cases. Because the data stays behind a portal deep-link, the conversational layer never becomes a data-protection liability.

What regulators do you align to for insurance?

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For market conduct we align to UAE (CBUAE) and KSA (SAMA) insurance expectations around policyholder communication and treating customers fairly; for data protection we hold ISO 27001 and SOC 2 Type II and operate PDPL and GDPR consent ledgers. We do not claim PCI-DSS — payment-card handling stays with your payment provider behind the pay-now link.

How do fraud alerts avoid being spoofed?

+

Alerts go out on registered, sender-ID-protected routes on your brand, so impersonators cannot reuse your sender identity on direct operator routes. Combined with delivery receipts, that gives your fraud team a defensible record of exactly what was sent and when.

How fast can a third-party administrator go live?

+

A TPA sending FNOL acknowledgements and status updates through our REST API is typically live in under four weeks, including sender-ID registration in each market. The claims webhook maps closely to common claims-platform event shapes, so the integration is usually a small piece of work.

Insurance-grade SLA

Move your policyholder messaging
onto carrier-grade rails.

Talk to our insurance team about routing, consent, deep-link templates and pricing for renewal, claims and servicing workloads. Most insurers are live in under four weeks.

$ curl -X POST https://api.broadnet.me/sms/sendSms