RCS (Rich Communication Services) is an upgrade to SMS that adds verified business branding, images, and interactive buttons — delivered through the native messaging app. Insurance agents using RCS see 3-7x higher click-through rates and 18-25% response rates compared to 6-8% for plain SMS.
Standard SMS delivers plain text from an anonymous 10-digit number. RCS delivers messages with your verified business name, logo, high-resolution images, and tap-to-respond buttons — all inside the same native messaging app your leads already use. No separate download required.
For insurance agents, the performance difference is measurable. RCS achieves click-through rates of 8-14% compared to 2-4% for SMS, and response rates of 18-25% compared to 6-8%. On a list of 500 leads, that's 60-85 additional responses per campaign.
Moklo uses RCS as the primary channel for warm lead follow-up — leads that have already expressed interest through an inbound call or web form. The AI tracks every message (delivered, read, clicked, responded) and routes the highest-engagement leads to agents for live calls.
A typical RCS sequence includes a branded intro message with a "Book Your Free Review" button, a follow-up with carrier logos and plan types, and a final touchpoint with a simplified call-to-action. Each step is automated and triggered by the prospect's engagement behavior.
RCS operates under the same TCPA consent requirements as SMS — prior express written consent is required before sending marketing messages. For Medicare agents, CMS marketing compliance rules apply to RCS just as they do to SMS and voice.
Moklo's compliance engine monitors all RCS messages for prohibited language before they're sent, enforces marketing windows for Medicare campaigns, and maintains consent documentation for every interaction.
Yes. Apple added RCS support in iOS 18 (September 2024). RCS now works on both Android and iPhone through the native Messages app, giving it near-universal reach in the US.
No. RCS works through the native Messages app on both Android and iPhone — the same app your leads already use for texting. There is no download required on the recipient's end.
RCS is subject to the same CMS marketing rules as SMS and voice. Moklo's compliance engine enforces marketing windows, monitors for prohibited language, and maintains consent documentation for every RCS interaction.
RCS messages typically cost slightly more per message than SMS, but the higher response and conversion rates produce a significantly lower cost per appointment and cost per policy.