150 AI prompts for Insurance Agents

Paste into custom instructions: “I’m a licensed insurance agent at [AGENCY], a [SIZE]-person [INDEPENDENT/CAPTIVE] agency in [CITY, STATE]. We write [LINES]. Client-facing writing: professional, plain, warm, 8th-grade level, no hype, no exclamation points. Three permanent rules: (1) never state what a policy covers, excludes, or will pay — mark anything close as [VERIFY AGAINST POLICY]; (2) leave every premium, limit, and deductible blank or exactly as I gave it; (3) never promise a rate, a claim outcome, or a carrier decision.”

“Turn my notes and these quote figures into a one-page client-ready comparison. Sections: WHAT YOU ASKED ME TO DO, THE OPTIONS (table: carrier, premium, the 3–5 differences that matter — only the numbers I gave you), WHAT’S DIFFERENT AND WHY IT MATTERS (plain English), MY RECOMMENDATION (the reason I stated). No coverage statements — mark anything close as [VERIFY AGAINST QUOTE]. No invented numbers, no superlatives. Under 350 words plus table. Notes: [RAMBLE + FIGURES].”

“The prospect asked to [CHANGE — raise the dwelling limit / drop the second vehicle]. Write the note that comes with revised quote #2: what changed, what didn’t, new premium as $[BLANK], and that the earlier option stays available until [DATE].”

“Write a renewal letter: [POLICY TYPE] going from $[OLD] to $[NEW]. Structure: (1) open with what I already did — [CHECKED N MARKETS / CONFIRMED DISCOUNTS / REVIEWED COVERAGE]; (2) explain the increase honestly using only my reasons: [ACTUAL REASONS]; (3) state the new premium plainly; (4) invite a 15-minute options call, naming one real option: [DEDUCTIBLE / DISCOUNT CHECK / REMARKET]. Warm, direct, no apologizing for the market, no carrier-blaming, no promises shopping will save. Under 220 words.”

“A client’s [POLICY] is set to cancel for nonpayment on [DATE PER CARRIER NOTICE]. Write my message: factual about the date and what lapsing means (no scare language beyond facts), human about it (no shame — life happens), the exact fix ([AMOUNT] by [METHOD] by [DATE]), and reinstatement terms ONLY as the carrier stated them [VERIFY]. Under 100 words.”

“Write a confirmation email for a policy change requested today: [CHANGE]. Include: what was requested and when, that it’s submitted to the carrier, that it’s effective only when the carrier confirms [OR THE CARRIER’S STATED EFFECTIVE DATE], what proof they’ll receive, and to reply if any detail is wrong. Factual, brief, no coverage statements. Under 90 words.”

“Claim #[NUM] has had no adjuster contact since [DATE] despite [MY CONTACT ATTEMPTS, DATED]. Write the escalation to [ADJUSTER’S SUPERVISOR / CARRIER CLAIMS CONTACT]: factual timeline of contacts, the specific gap, the specific ask (status and a contact date), requested response by [DATE]. Firm, professional, zero heat — the timeline does the arguing.”

“Here are this week’s Google reviews: [PASTE, names removed]. Reply to each: 1–3 sentences, my voice, thank them, echo one specific detail, vary the wording so they don’t read as templates. HARD RULE: never confirm or discuss anyone’s policy, premium, claim, or client status — even if the review states it. Under 4 stars: draft but mark HOLD FOR MY REVIEW.”

“Here is policy language I’m working through: [PASTE FORM TEXT]. For my own understanding — not going to a client: (1) plain-English translation; (2) what it appears to grant, limit, or exclude, quoting the exact wording next to each point; (3) flag every sentence where meaning turns on a defined term, and list those terms so I can check the definitions; (4) the three questions you’d ask an underwriter to confirm. Label anything not in the pasted text as INFERENCE.”

“Write my Google Business Profile: (1) description under 750 characters naming our lines and [AREA] naturally — no keyword stuffing, no ‘best rates’; (2) services list with one plain sentence each for [LINES]; (3) answers to the 8 questions people ask an agency (shop multiple carriers? what do you charge? proof of insurance how fast? claims help? small business? come in? states licensed? how to get a quote?) — 2–3 sentences each, my voice, unknown facts as [BLANK]. License number line where my state requires it: [LICENSE # — VERIFY].”

“Write a 45-second video script: me, on camera, explaining [ONE CONCEPT — why your premium went up / what an umbrella does / actual cash value vs replacement cost] in plain English. Hook in the first sentence, one concrete example, no jargon, ends with ‘questions? that’s literally my job.’ Coverage framing: typically/policy-dependent throughout. Note on top: check my state’s ad rules and any carrier approval requirement before posting [VERIFY].”

“Organize my week from this mess: [PASTE — RENEWALS COMING / OPEN CLAIMS / QUOTES PENDING / PROMISES MADE]. Output: this week’s renewal-critical items in date order, claim check-ins due, the 3 highest-premium items at risk, calls owed today, and what I’m forgetting based on what I told you last week [IF IN THIS CHAT].”