Khayalo
Insurance broker pack

Move quotes to bind in hours. Not days.

Khayalo's insurance broker pack handles quote triage, renewal nudges, and the policy questions your advisers answer every day. FAIS disclosures are logged on every interaction. Your advisers see briefed-up cases, not cold leads.

Pains we solve

Does any of this sound like your Tuesday?

New quote enquiries landing at 18h00 and getting picked up at 09h00 the next day. They've shopped three other brokers by then.
Renewals slipping quietly because nobody chased the 30-day nudge.
'Am I covered for X?' eating two adviser-hours a day per adviser.
FAIS disclosure tracking done in scattered emails and a spreadsheet someone updates when they remember.
What's in the pack

7 systems, built and tuned for insurance brokers.

Quote triage

New enquiries auto-qualified by line of cover, briefed, and routed to the right adviser with full context.

Renewal nudges

30, 14, and 7-day renewal reminders. Renewal options drafted for adviser approval before going out.

Claim-status replies

'Where's my claim?' Answered with live status pulled from the carrier. Plain English, every time.

Policy-doc Q&A

'Am I covered for X?' System consults the policy wording and replies with the exact clause, plus a 'confirm with your adviser' note.

Adviser handoff

Every conversation routed to a human lands with a structured brief. No scrolling through a WhatsApp thread to catch up.

FAIS disclosure tracking

Every interaction logged with the disclosures given. Audit-ready on demand.

Cross-sell flags

System notices a customer might benefit from another product and flags it to the adviser. Never to the customer.

Typical outcome
40% faster quote-to-bind, 2× renewal retention on silent at-risk customers

For a 15-adviser short-term brokerage running the full pack.

Baseline 72-hour average quote-to-bind drops to 43 hours, giving ~30 extra quotes bound a month at R800 average commission, or R24 000 a month. Illustrative, based on comparable engagements.
Plugs into what you use

We speak your stack.

CardinalFlexiSantamHollardOld MutualDiscoveryLibertyXeroSageMicrosoft 365WhatsApp Business

Not listed? We integrate new tools on request, typically within two weeks.

Compliance & trust

Built to satisfy the regulators you already answer to.

POPIA

Customer data tenant-isolated. FSP licence details and client financial data handled on SA infrastructure.

FSCA & FAIS

Every customer interaction logged with required disclosures. Treating Customers Fairly alignment on all outbound comms.

Audit trail

Full read / thought / did trace retained for the FAIS record-keeping period. Accessible to your compliance officer.

Rollout at your pace

Four phases. You decide how long each one runs.

Our recommendation14-day watch window for this pack. You can go shorter or longer during onboarding.
Phase 1 of 4
Watch window

Claim-status and policy-Q&A run silently. Daily digest to advisers showing what would have been replied.

Phase 2 of 4
First wave live

Claim-status and policy-Q&A go live with the FAIS-approved disclosure footer. Renewal nudges start as drafts.

Phase 3 of 4
Half stack live

Renewal nudges go live. Quote triage starts routing briefs to advisers.

Phase 4 of 4
Full pack live

Adviser handoffs fully wired. Cross-sell flags enabled. FAIS disclosure tracking live for audit.

Questions partners ask us

The honest ones, answered honestly.

Will this give financial advice?

Never. The system answers factual questions (policy clauses, claim status, premium amounts) and routes anything resembling advice to a FAIS-accredited adviser. The boundary is drawn hard and logged.

How does it handle FAIS Category I disclosures?

Every customer-facing message includes the required disclosures, pulled from your FSP's licence register. The disclosure given on each interaction is logged for FSCA audit.

What about Category II (intermediary) licences?

For discretionary or intermediary services, the system drafts and the adviser signs off. We do not let the system issue advice under any category.

Does it integrate with Cardinal?

Yes. Cardinal is one of our first-class integrations. Santam, Hollard, Discovery, Old Mutual, and Liberty follow the same pattern.

Can a customer escalate to a human mid-chat?

Any time. Typing 'adviser' or 'human' routes immediately. The system also escalates itself when confidence drops below your threshold.

Start your watch window for insurance brokers.

Assessment takes four minutes. First drafts land in your daily digest within 24 hours.