AI Prompts for Insurance Coverage Comparisons

Create a side-by-side comparison of 3 homeowners insurance quotes for a client. Carrier A: [Carrier Name] — $1,450/year, HO-3, $300K dwelling, $1,000 deductible, replacement cost on contents, $300K liability Carrier B: [Carrier Name] — $1,280/year, HO-3, $300K dwelling, $2,500 deductible, ACV on contents, $300K liability Carrier C: [Carrier Name] — $1,650/year, HO-5, $300K dwelling, $1,000 deductible, replacement cost on contents, $500K liability, water backup included Format as a clear comparison table with these rows: - Annual Premium - Policy Type - Dwelling Coverage - Deductible - Contents Coverage (RCV vs ACV) - Liability Limit - Key Included Endorsements - Key Exclusions to Note - Claims Reputation (if known) End with: "Our Recommendation" section explaining which option is best for this client and why. Requirements: - Client-friendly language - Bold the recommended option - Under 300 words total

Create a "Current vs Proposed" coverage comparison for a prospect. Current policy: [Carrier] — $1,800/year, HO-3, $250K dwelling, $1,000 deductible, ACV contents, $100K liability, no umbrella, no flood My proposed policy: [Carrier] — $1,350/year, HO-3, $300K dwelling (increased to match replacement cost), $1,000 deductible, replacement cost contents, $300K liability, water backup endorsement Format: Side-by-side comparison showing: - What they have NOW vs what I'm proposing - Highlight improvements in GREEN (better coverage) - Highlight cost savings in BOLD - Note any coverage gaps in their current policy that I'm addressing - Total annual savings End with a clear recommendation paragraph. Requirements: - Under 250 words - Professional but clear enough for any client to understand

Analyze a client's current insurance portfolio and identify coverage gaps. Client profile: Family of 4, homeowners with pool and trampoline, 2 vehicles (one driven by 16-year-old), home-based consulting business, $500K in assets Current coverage: - HO-3 with $250K dwelling, $100K liability, $500 deductible, no water backup, no umbrella - Auto: state minimum liability (25/50/25), collision and comprehensive on one vehicle only - No life insurance, no umbrella, no business insurance For each gap identified: 1. Name the gap 2. Explain the risk in plain language with a real-world scenario 3. Recommend the solution 4. Estimate the cost to fill the gap Requirements: - Prioritize gaps by severity (highest risk first) - Under 300 words - End with total estimated cost to fully protect this family

Create a commercial insurance quote comparison for a small retail store owner. Compare 3 BOP (Business Owners Policy) quotes: - Carrier A: $2,400/year, $1M/$2M GL, $500K property, $1,000 deductible - Carrier B: $2,100/year, $1M/$2M GL, $400K property, $2,500 deductible - Carrier C: $2,800/year, $1M/$2M GL, $600K property, $1,000 deductible, cyber liability included Format as a comparison table plus recommendation. Highlight the key differences that matter most for a retail business: property coverage limits, deductible impact, included endorsements, carrier AM Best rating. Requirements: - Client-friendly language — explain what BOP includes - Clear recommendation with reasoning - Under 250 words

Write an email to a prospect summarizing the coverage comparison I've prepared. Context: I compared 3 homeowners insurance carriers for [Prospect Name]. My recommendation is [Carrier C] at $1,650/year because it provides the best coverage despite being $200 more than the cheapest option — the HO-5 policy form, higher liability, and included water backup are worth the difference. Key points: - Thank them for the opportunity - Briefly summarize: cheapest option, best value option, and premium option - State my clear recommendation with 2-3 reasons - Attach the full comparison (reference attachment) - CTA: "Want to discuss these options? I can walk you through the comparison in 10 minutes." Requirements: - Under 150 words - Confident and advisory — show your expertise - Sign off as [Your Name], [Phone]