Due soon
A friendly reminder, {{name}}: your premium is due on {{date}}. If it's already paid, thank you and please ignore this.
Insurance premium payment reminder texts: 14 templates, no threats
A missed premium can mean lost cover, which is why a friendly early reminder helps both of you. These fourteen texts remind a client before the due date, ask about a card update, explain a grace period without scaring them, and offer help when money is tight. None threatens, none shames, and none states a deadline the policy does not have. Check each date against the policy and carrier notice. Send only to clients who agreed to texts. Copy any message, or add all fourteen to your keyboard and send them from iMessage, WhatsApp, SMS or any other app in one tap. textcuts works in any app where you type.
Works in WhatsApp, iMessage, Instagram, Messenger and every other app.
Words in {{double braces}} are blanks. In the textcuts keyboard you fill them with one tap, and the names you used recently come back.
Before the due date
Due tomorrow
Quick reminder, {{name}}. Your premium is due tomorrow. Text me if you'd like help paying.
Autopay offer
Would you like me to set up automatic payments, {{name}}? It takes a few minutes and means no more reminders from me. I'm happy to help.
Card expiring
The card on your policy expires soon, {{name}}. To avoid a missed payment, please send me an update through the secure link: {{link}}.
After the due date
Missed payment, gentle
Hello {{name}}, I noticed your payment hasn't come through. It may be a card issue. Can you check, or tell me if you'd like help?
Grace period
Your policy is still active, {{name}}. There is a grace period until {{date}} to pay without losing cover. After that, the carrier may cancel. I'd hate for that to happen.
Payment received
Thank you, {{name}}. Your payment came through and your policy is in good standing. Nothing more to do.
Payment failed
Your payment didn't go through, {{name}}. It may be a bank limit or an expired card. I can walk you through updating it right now if you like.
Short on cash
If money is tight right now, {{name}}, please tell me. We may be able to change the payment date or schedule, or look at a lower cost option. Let's find something that works.
Lapse prevention and restart
Last notice before lapse
This is a final heads up, {{name}}. The carrier will cancel the policy on {{date}} unless the payment arrives. I can help right away if you call or text me.
Lapsed policy
Your policy has lapsed, {{name}}, and I'm sorry. You may be able to reinstate it. Let me check with the carrier and I'll tell you what is possible.
Reinstated
Good news, {{name}}: your policy has been reinstated. I'll send you the confirmation by email. Let's set up automatic payments so it doesn't happen again.
Bank change
If you have changed banks, {{name}}, please send me the new details through the secure link. I'll update the policy so the payment doesn't fail.
Payment plan check in
How is the payment schedule working for you, {{name}}? If another date would be easier, I can ask the carrier about changing it.
When to send each message
| When | Message | Note |
|---|---|---|
| 5 to 7 days before | Due soon | Friendly. |
| 1 day before | Due tomorrow | Short. |
| 1 to 2 days after | Missed payment, gentle | Assume a mistake. |
| During grace period | Grace period | State the date. |
| On payment | Payment received | Thank them. |
| When a client struggles | Short on cash | Offer options. |
| Only with a carrier notice | Last notice before lapse | Last notice. |
Do not say
Texting a number that never agreed to hear from you (a bought list, a number copied from a form for something else, a stranger).
Instead: Text only people who gave you their number and agreed to texts. Honor stop right away.
Threats such as "you'll lose your cover and be on the hook".
Instead: State the facts and offer help.
Shaming a late client.
Instead: Assume a mistake and ask how you can help.
Stating a deadline you haven't confirmed with the carrier.
Instead: Check the notice and use the date on it.
Asking for card numbers by text.
Instead: Send a secure link to update payment details.
Texting at odd hours or many times a day.
Instead: One message at a time, in daytime hours.
Treating a payment reminder as permission to market other products.
Instead: Keep the message about the payment.
Works in WhatsApp, iMessage, Instagram, Messenger and every other app.
Frequently asked questions
Is a premium reminder text allowed without consent?
Consent still matters. Send reminders only to clients who agreed to be texted, and keep the content about their account. Rules differ by state, so ask your compliance contact if unsure.
Can I text a client who never agreed to be texted?
No. Send these only to people who gave you their number and agreed to hear from you by text. The FCC's guide and 47 CFR 64.1200 explain the consent rules. Start a first message with a line such as "Tell me if you'd rather not get texts," and stop the moment someone says stop. Keep texting for people you already work with, one message at a time, typed by you.
Do these templates work on the free plan?
Yes. Ten of the fourteen use a single blank, which fills in on the free plan. "Due soon", "Card expiring", "Grace period", "Last notice before lapse" use two blanks and need Pro to fill both from the keyboard.
Can I send these in WhatsApp, iMessage and SMS?
Yes. textcuts is a keyboard, so the templates work in every app where you type, including iMessage, WhatsApp, SMS and Messenger.