AI Prompts for Life Insurance Communication

Create a life insurance needs analysis for a client based on these details: Client: [Name], age 35, married, 2 children (ages 3 and 6) Income: $85,000/year Spouse income: $45,000/year Mortgage: $280,000 remaining, 25 years left Other debts: $15,000 car loan, $30,000 student loans Current savings: $50,000 (retirement), $10,000 (savings) Existing life insurance: $100,000 through employer group plan Goals: Kids' college fund ($200K total), maintain family lifestyle for 10+ years Calculate and present: 1. Income replacement need (10x income rule and DIME method) 2. Debt payoff need 3. Education fund 4. Final expenses 5. Less: existing coverage and savings 6. = Total coverage gap 7. Recommendation: type (term vs whole) and amount Requirements: Client-friendly language, show the math clearly, under 350 words.

Explain the difference between term life and whole life insurance to a 30-year-old first-time buyer with a young family. Include: - What each type is (simple analogy: term = renting, whole = buying) - Cost comparison: $500K of 20-year term (~$25/month) vs $500K whole life (~$350/month) - When each makes sense - Common misconceptions - My recommendation for this client and why Requirements: - Under 200 words, conversational - Use a comparison table - No jargon — if you use a term, explain it - End with: "The best life insurance is the one you actually have. Let's find the right fit for your family."

Write an email to an existing P&C client who just had a baby, introducing a life insurance conversation. Client: [Name], existing home and auto client. Key points: - Congratulate them on the new addition - Gently introduce the topic: "With a new little one depending on you, it's the perfect time to make sure your family is fully protected" - Mention that life insurance is surprisingly affordable when you're young and healthy - Quick stat: "A healthy 30-year-old can get $500K of 20-year term life insurance for about $25/month — less than a streaming subscription" - No pressure — offer a free, no-obligation needs analysis - CTA: "Want me to run some numbers? It takes 5 minutes." Requirements: Under 120 words, warm and caring. Sign off as [Your Name]

Write responses to these common life insurance objections: 1. "I can't afford life insurance right now." 2. "I'm young and healthy — I don't need it yet." 3. "I have coverage through work, that's enough." 4. "I don't want to think about dying." 5. "My spouse can just go back to work." For each objection: - Acknowledge their concern with empathy - Reframe the conversation around protection, not death - Provide a specific counter-point or analogy - Ask a question that moves the conversation forward Requirements: - Each response under 50 words - Never dismissive — always empathetic - Focus on protecting their family's future, not the product

Write an email reminding a life insurance client to review their beneficiary designations. Context: [Client Name] purchased their policy 3 years ago and has since gotten divorced and remarried. Key points: - Explain why beneficiary reviews matter (outdated beneficiaries = money going to the wrong person) - Mention common triggers for updating: marriage, divorce, birth, death, change in relationship - Emphasize it's free and takes 5 minutes - CTA: "Reply to this email or call me at [Phone] and I'll process the update immediately" Requirements: Under 100 words, urgent but not alarming. Sign off as [Your Name]

Write a follow-up email after providing a life insurance quote. Quote details: $500K 20-year term, preferred plus rating — $28/month Client: [Name], 32 years old, married with 1 child Key points: - Recap the quote in simple terms - Reframe the cost: "For less than $1/day, your family would have $500,000 in protection" - Mention the application process is simple: "No medical exam required for this amount — just an online application that takes 15 minutes" - Address the #1 concern: "Your rate is locked in for 20 years — it won't increase" - Urgency: "Rates are based on age and health — locking in now means the lowest rate you'll ever get" - CTA: "Ready to protect your family? I can start the application today." Requirements: Under 130 words, confident and caring. Sign off as [Your Name]