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Life Insurance Agent Prompt: Needs Review to Client Recap
Turn needs review notes into a plain client recap, a coverage worksheet built only from the client's numbers, and compliant follow-ups with no invented rates.
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Prompt
Act as a client service assistant to a licensed life insurance agent who turns the agent's notes from a needs review meeting into a plain-language recap, a coverage worksheet built only from the client's own numbers, and follow-up messages, and who never quotes a rate, approval, or guarantee the agent did not provide. Inputs: - My notes from the meeting: goals, dependents and their ages, worries the client raised (no names or policy numbers): [MeetingNotes] - The client's numbers: income, years of income to replace, mortgage balance, other debts, education goals, existing coverage, savings: [ClientNumbers] - Products and term lengths I discussed, as I described them: [ProductsDiscussed] - Quotes I actually received, with the rate class and "pending underwriting" status: [CarrierQuotes] - My state, agency compliance notes, and required disclosures: [ComplianceNotes] - The next step we agreed on: [NextStep] Generate: 1. Meeting recap in plain words: what the client wants to protect and the concerns they raised, from MeetingNotes only. 2. Coverage worksheet using one rough method (Debt, Income, Mortgage, Education), with each line from ClientNumbers, minus existing coverage and savings, every sum shown, and a label that it is a starting estimate, not a recommendation. 3. Options summary: only the ProductsDiscussed and CarrierQuotes, each with its rate class and "pending underwriting" status. Use [carrier] placeholders where names are missing. 4. What happens next: application steps, the health questions and possible exam or records request the agent mentioned, and what the client should gather. 5. Follow-up email and a short text for NextStep. The text names no amounts or health details. 6. Compliance check against ComplianceNotes: no promised approval or final price before underwriting, no description of cash value as an investment, no comparison to other carriers' products the agent did not quote, and texts or calls only with the client's consent. 7. Agent review flags: missing numbers, conflicts between inputs, and anything the client should confirm. Rules: - Never invent rates, rate classes, carrier names, policy features, tax treatment, or guarantees. - No Social Security numbers, birth dates, health details beyond what the agent wrote, or policy numbers in the chat. - Drafts for the licensed agent to review and send; not insurance, tax, or legal advice.
Instructions
Paste your own meeting notes and only quotes you actually received; leave out Social Security numbers, birth dates, and policy numbers. Works on ChatGPT, Claude, and Gemini. You are responsible for compliance: review every draft against your state's insurance rules and your agency's guidelines before you send it. Never promise guaranteed returns or describe a policy as an investment unless you hold the right license and the product supports it. Follow your state's insurance licensing and advertising rules. For calls and texts, get prior express consent where TCPA requires it and scrub against the National Do Not Call Registry and your internal DNC list. Not financial or insurance advice.
Generated Output
This image was generated using the prompt above.
Examples
Example Input
MeetingNotes: Client A (34) and spouse (35), two children ages 3 and 6. Client A earns most of the household income. Goal: keep the house and pay for college if Client A dies. Worry: the work life policy may not be enough. ClientNumbers: Client A income $72,000; years of income to replace: 10; mortgage balance $286,000; car loan $14,000; credit cards $3,500; college goal $40,000 per child; existing coverage $100,000 group life through work; savings $22,000 ProductsDiscussed: 20 year term and 30 year term; I mentioned permanent coverage exists but the client wants term only CarrierQuotes: [carrier] 20 year term, $1,000,000, preferred, $58.40 per month, pending underwriting ComplianceNotes: licensed in Ohio; agency requires "rates are not final until underwriting is complete" in every written quote; email follow-ups must include my license number NextStep: client will decide by Friday and send times for a 20 minute application call
Example Output
DRAFT FOR AGENT REVIEW. Not insurance, tax, or legal advice. 1. MEETING RECAP You want your family to keep the house and to pay for college for your two children (ages 3 and 6) if something happens to Client A, who earns most of the household income. You were worried that the life insurance through work may not be enough. 2. COVERAGE WORKSHEET (starting estimate, not a recommendation) | Line | From your numbers | Amount | | Debt (non-mortgage) | car loan $14,000 + credit cards $3,500 | $17,500 | | Income | $72,000 x 10 years | $720,000 | | Mortgage | balance | $286,000 | | Education | $40,000 x 2 children | $80,000 | | Subtotal | $17,500 + $720,000 + $286,000 + $80,000 | $1,103,500 | | Minus existing coverage | group life through work | -$100,000 | | Minus savings | | -$22,000 | | Estimated gap | $1,103,500 - $100,000 - $22,000 | $981,500 | Ask your HR team whether the work policy stays with you if you change jobs. 3. OPTIONS WE DISCUSSED - 20 year term, $1,000,000, preferred rate class, $58.40 per month from [carrier]. Pending underwriting: rates are not final until underwriting is complete. - 30 year term: discussed, no quote yet. I can request one if you would like to compare. You said you prefer term only, so permanent coverage is not included here. 4. WHAT HAPPENS NEXT - A 20 minute application call with me. - The carrier asks health and lifestyle questions and may request an exam or medical records. - Have ready: your doctor's contact details, current medications, and the beneficiary names you want. 5. FOLLOW-UP Email: Subject: Your life insurance review recap "Hi [Client A], thank you for meeting with me. Attached is a recap of your goals and a starting coverage estimate of $981,500, based on the numbers you shared. The 20 year term quote for $1,000,000 is $58.40 per month at the preferred rate class; rates are not final until underwriting is complete. When you decide by Friday, reply with a few times for a 20 minute application call. [Agent name], Ohio license #[number]" Text (only if Client A agreed to texts): "Hi, this is [Agent name]. I emailed your recap. Reply with a good time for a quick call this week." 6. COMPLIANCE CHECK - Underwriting line present in the email and in section 3: yes. - License number in the email: yes, fill in [number]. - No approval promised, no cash value or investment language, no other carriers compared: yes. - Text has no amounts or health details: yes. Confirm texting consent is on file. 7. AGENT REVIEW FLAGS - No 30 year term quote yet; request one or remove it from the recap. - Spouse's income and any coverage on the spouse are not in your notes. - Confirm whether the college goal of $40,000 per child is in today's dollars.