I am an insurance agent creating a copy-paste AI prompt library for routine agency work. Create 8 distinct prompts tailored to my lines of business, market, and compliance requirements. Lines of business and market: [LINES AND MARKET] My agency and carrier constraints: [AGENCY CONSTRAINTS] Primary customer types: [CUSTOMER TYPES]
Tasks I want covered or avoided: [PRIORITY TASKS]
Include prompts for: a discovery-question list before quoting, a plain-language coverage comparison, a renewal review email, a follow-up after a quote, a claims-process explainer, a cross-sell opportunity checklist, a referral request, and one task selected from my priorities.
For each, provide: 1. a task title, 2. a complete first-person prompt ready to paste, 3. 2 to 5 placeholders, 4. required facts the agent must provide, and 5. a compliance reminder. Make clear that the AI must not invent policy forms, endorsements, carrier appetite, eligibility, limits, exclusions, premiums, savings, state rules, bindable coverage, or claims outcomes. Coverage explanations must distinguish a general illustration from the actual policy language, and customer messages must avoid guarantees or pressure tactics. Do not include customer Social Security numbers, driver’s-license numbers, account details, medical details, or other sensitive personal information.
Keep each resulting prompt below 160 words and usable in ChatGPT or Claude. Before answering, check that every customer-facing prompt tells the agent to verify policy-specific details and every sales prompt avoids unsupported savings claims. Ask up to 3 clarifying questions only if a required input is missing.Fill in
| Placeholder | What to enter | Example |
|---|---|---|
| [LINES AND MARKET] | State the insurance lines you sell, the states or regions you serve, and the customer market. | Independent personal-lines agency serving Ohio and Kentucky; home, auto, umbrella, and small landlord policies. |
| [AGENCY CONSTRAINTS] | List carrier appointments, underwriting restrictions, required disclosures, and your agency’s approved tone. | Use carrier-approved language; no binding by email; quote terms must be confirmed in the carrier portal. |
| [CUSTOMER TYPES] | Describe the client segments you serve and their common insurance needs. | Homeowners, first-time umbrella buyers, and landlords with one to four rental units. |
| [PRIORITY TASKS] | List recurring work you want included and work that should be excluded from AI use. | Include renewal calls and document-request checklists; exclude coverage recommendations for unusual commercial risks. |
How to use
- Enter the lines, states, and carrier limits that actually apply to your work; policy and producer rules differ by product and jurisdiction.
- Paste the library prompt into your chosen AI tool, then compare every customer-facing draft against the declaration page, forms, and approved carrier language.
- Remove sensitive customer details before using an external AI tool unless your agency has approved a compliant workflow.
- For a useful follow-up, send: “Adapt the renewal email prompt for a homeowner whose roof-age documentation is still missing; do not promise renewal.”
Variations
Coverage comparison
Use this to explain supplied policy details without recommending or binding coverage.
Create a customer-friendly comparison of these two insurance proposals: [OPTION A DETAILS] and [OPTION B DETAILS]. Customer context: [CUSTOMER PRIORITIES]. Use a table for deductible, limits, major included coverages, stated exclusions or conditions, and premium if supplied. Then write a 150-word explanation of tradeoffs in plain language. Only use details I provide; mark missing details for verification. State that the actual policy, endorsements, and carrier underwriting determine coverage. Do not recommend, bind, quote, or claim savings.
Renewal outreach
Use this before a renewal when you need updated information from the customer.
Draft a renewal outreach email for a [POLICY TYPE] customer. Known renewal facts: [APPROVED FACTS]. Information needed: [REQUESTS]. Use a calm, service-focused tone. Include the response deadline, a short list of requested documents or changes, and a note that renewal terms remain subject to carrier review and policy documents. Do not state or imply that coverage is guaranteed, that price will remain unchanged, or that the policy is bound. Leave a bracketed spot for approved agency contact details.
Discovery questions
Use this before gathering information for a quote or coverage review.
Create a structured discovery questionnaire for a [POLICY TYPE] prospect in [STATE OR MARKET]. Prospect profile: [PROFILE]. Organize questions into eligibility, exposures, existing coverage, limits and deductibles, loss history, documentation, and timing. Mark which answers must be verified with carrier underwriting rather than assumed. Avoid asking for Social Security numbers, banking details, or protected health information in this draft. End with a checklist of information needed before I can prepare a quote request.
Tips
- Use the declarations page and endorsements as the source for a comparison; marketing summaries often omit exclusions and conditions that matter.
- Separate a customer’s stated priority from an actual coverage recommendation, then document how you verified the product fit under your agency process.
- Do not let AI turn a preliminary indication into a price promise; premiums and eligibility can change with underwriting.
- For claims explainers, describe the process and requested documentation without predicting coverage, payment, or timing.
FAQ
Can AI recommend an insurance policy to a customer?
AI can help organize information, but the licensed agent must apply product knowledge, carrier rules, state requirements, and the customer’s actual facts. Verify recommendations and disclosures before communicating them.
Can I paste a customer application into an AI tool?
Avoid pasting sensitive personal information unless your agency has approved the particular tool and data-handling process. Use anonymized scenarios for drafting whenever possible.
Can AI compare policy quotes?
Yes, if you supply the policy details, but it should identify missing endorsements, exclusions, and conditions instead of assuming two labels mean identical coverage.