What happens when a policy approaches expiry?
InsuOrg creates reminder tasks at 90, 60, 45, 30, 15, 7, and 1 days before expiry. The file appears on the Overview dashboard with overdue, 7-day, and 30-day buckets and a ₹ premium-at-risk total in Indian Standard Time. The expired policy row is not deleted when work starts.
How is the next action recorded?
A Broker Admin or Manager assigns an owner. That owner logs client calls, requests two or three insurer quotes, and writes the next required action with an IST due time. WhatsApp-style preview text can be copied; InsuOrg does not auto-send WhatsApp messages today.
What happens when the client decides?
Mark Renewed rolls a clean new term whose effective date is the old expiry plus one day. Historical audit of the expired term stays in records. Mark Lost closes the file with a reason and does not create a new term.