AI Prompts for Insurance Cross-Selling

Write an email to an existing auto insurance client suggesting they bundle their homeowners insurance with us. Client context: [Client Name] has had auto insurance with us for 2 years. They own a home in [City, State] but have their homeowners with another carrier. Key points: - Mention the multi-policy discount they're missing: typically 15-25% savings - Highlight the convenience of one agent, one bill, one call for everything - Offer to run a quick comparison — just need their current homeowners dec page - Emphasize: even if they don't save money, at least they'll know they have the best deal - CTA: "Reply with your current homeowners policy details and I'll have a comparison ready within 24 hours" Requirements: - Under 120 words, helpful not salesy - Sign off as [Your Name]

Write an email recommending an umbrella insurance policy to an existing client. Client context: [Client Name] has home and auto with us. They have $300K in home liability and 100/300 auto liability. They are a family with 2 teenage drivers, a swimming pool, and a trampoline. Key points: - Explain what umbrella insurance is in simple terms (extra liability protection above their existing policies) - Reference their specific risk factors without being scary: teen drivers, pool, trampoline - Mention the cost is typically $200-400/year for $1 million in additional coverage - Frame it as: "For the price of a cup of coffee a day, you get an extra million dollars of protection" - CTA: Schedule a 10-minute call to add umbrella coverage Requirements: - Under 140 words, educational and protective (not fear-based) - Sign off as [Your Name]

Write an email introducing a life insurance conversation with an existing P&C client. Client context: [Client Name] has home and auto with us. From our records, they are 35 years old, married, with 2 young children. We don't know if they have life insurance. Key points: - Don't assume they don't have life insurance — frame as a "coverage checkup" - Mention that many families are underinsured — the average gap is $200,000+ - Explain that term life insurance is surprisingly affordable: a healthy 35-year-old can get $500K of 20-year term for under $30/month - Position as protecting their family's lifestyle, mortgage, and children's future - CTA: "Would a quick life insurance review be helpful? I can run some numbers in just a few minutes." Requirements: - Under 130 words, caring and educational - NOT pushy — this is a sensitive topic - Sign off as [Your Name]

Write an email to an existing client about a coverage gap I identified during a routine review. Coverage gap: Their homeowners policy has actual cash value (ACV) on the roof, but their roof is only 8 years old. Switching to replacement cost would add approximately $120/year but could save them $15,000+ if they have a claim. Key points: - Explain the gap in simple terms - Quantify the risk vs the cost - Emphasize this is proactive advice — many agents wouldn't catch this - CTA: "I can make this change with a quick phone call. Want me to update it?" Requirements: - Under 120 words, advisory tone - Sign off as [Your Name]

Write an email to a personal lines client who recently started a side business / freelancing, offering to review their commercial insurance needs. Key points: - Congratulate them on the new venture - Mention that most homeowners policies exclude business activities — their current policy may not cover business equipment, liability from clients visiting, or professional errors - Offer a free "new business coverage review" — typically takes 15 minutes - Lines to discuss: general liability, professional liability (E&O), business property, cyber liability - CTA: Schedule a quick call Requirements: - Under 130 words, supportive and educational - Sign off as [Your Name]

Write an email recommending flood insurance to a homeowner client who currently doesn't have it. Client context: They live in [City, State], in a moderate risk flood zone (Zone X). Their home value is $350,000. Key points: - Many people don't realize standard homeowners insurance does NOT cover flood damage - Over 25% of flood claims come from outside high-risk zones - Flood insurance through NFIP or private carriers is surprisingly affordable — often $400-800/year for moderate-risk homes - Share a quick stat: "Just one inch of floodwater can cause $25,000+ in damage" - CTA: "Want me to run a quick flood insurance quote? It takes 5 minutes." Requirements: - Under 120 words, informative not alarming - Sign off as [Your Name]