# 150 AI prompts for Insurance Agents — free list of every prompt

https://www.ai-on-the-job.com/prompts/010-ai-on-the-job-insurance-agents-edition

150 AI prompts for Insurance Agents

Every one of the 150 prompt titles in the book, in the book's own eight
groups. Twelve are printed in full and marked; use those today.
The yellow parts are the blanks you fill in.

Setup & Voice Prompts 1–15

#1Your permanent profilePaste 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.”

#2The tone calibrator

#3The plain-English filter

#4Shorter, always

#5Three versions

#6The de-jargonizer

#7Teach it your voice

#8The reverse brief

#9Fix my dictation

#10Translate for texting

#11The second opinion

#12Explain like a mentor

#13The checklist maker

#14Spanish version

#15What did I forget

Quotes & Proposals Prompts 16–40

#16The proposal builder“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].”

#17The intake organizer

#18The pre-quote question list

#19The limits-and-deductibles options

#20The proposal cover note

#21The apples-to-apples note

#22The deductible explainer

#23The umbrella paragraph

#24The moved-quote reply

#25The “you’re not comparing the same thing” walkthrough

#26The bind-request confirmation

#27The payment-options note

#28The revision note“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].”

#29The graceful decline-to-quote

#30The quote follow-up ladder

#31The underwriter narrative

#32The loss-runs request

#33The “found an issue” mid-quote message

#34The disclosure-pressure refusal

#35The homeowners proposal narrative

#36The commercial package comparison

#37The new-venture explainer

#38The certificate-requirements preview

#39The cross-line referral

#40The quote-to-bind handoff sweep

Renewals & the Rate Conversation Prompts 41–65

#41The renewal-increase letter“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.”

#42The small-increase note

#43The price-shock call prep

#44The remarket announcement

#45The remarket result — staying put

#46The remarket result — moving

#47The market-conditions explainer

#48The levers message

#49The claim-affected renewal

#50The review-meeting agenda

#51The life-event outreach

#52The annual review invite

#53The pending-cancellation notice“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.”

#54The lapse-save call script

#55The billing-change confirmation

#56The reinstatement confirmation

#57The win-back letter

#58The anniversary win-back

#59The graceful goodbye

#60The carrier non-renewal letter

#61The book-transition announcement

#62The condolence and transition note

#63The renewal-list triage

#64The save script

#65The renewal-season Friday sweep

Service Work & Claims Communication Prompts 66–85

#66The change confirmation“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.”

#67The certificate intake

#68The certificate cover note

#69The cert-holder vs additional-insured explainer

#70The first-notice guidance message

#71The roles explainer

#72The document-now checklist

#73The mitigation guidance

#74The adjuster-visit prep

#75The adjuster status email

#76The stalled-claim escalation“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.”

#77The denial next-steps message

#78The claim check-in set

#79The post-claim debrief note

#80The documentation request

#81The mortgagee-change confirmation

#82The policy-delivery note

#83The error-correction message

#84The backdating refusal

#85The end-of-week service sweep

Reviews, Referrals & Retention Prompts 86–105

#86The review reply batch“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.”

#87The 5-star with a detail

#88The 4-star with a niggle

#89The 3-star mystery

#90The claim-anger review

#91The never-a-client review

#92The 1-star response

#93The review-request timing kit

#94The referral ask at the thank-you moment

#95The referral thank-you

#96The second ask (one only)

#97The testimonial permission ask

#98The one-gap message

#99The bundle invitation

#100The life-conversation opener

#101The anniversary note

#102The realtor introduction

#103The lender one-pager

#104The contractor partner guide

#105The partner monthly touch

The Knowledge Work Prompts 106–120

#106The form translator“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.”

#107The endorsement explainer

#108The exclusion mapper

#109The coverage-question prep

#110The bulletin distiller

#111The appetite tracker

#112The guideline summarizer

#113The quote-difference checklist

#114The loss-run reader

#115The industry risk primer

#116The CE study buddy

#117The license-prep planner

#118The producer training module

#119The objection role-play

#120The learn-a-line plan

Marketing & Growth Prompts 121–145

#121The profile overhaul“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].”

#122The about-us that isn’t boring

#123The line page

#124The town page

#125A month of posts

#126The niche page

#127The seasonal calendar

#128The coverage-question article

#129The homebuyer guide

#130The renewal-shock explainer for partners

#131The seasonal campaign

#132The quarterly newsletter

#133The explainer video script“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].”

#134The new-lead drip

#135The website home page

#136The Google Ads starter

#137The recruiting post

#138The onboarding sequence

#139The community sponsorship post

#140The quoted-not-bound win-back

#141The review-to-content pipeline

#142The ‘we do that too’ campaign

#143The independent-vs-800-number positioning

#144The referral-program page

#145Marketing month in 60 minutes

Admin & Momentum Prompts 146–150

#146The Monday morning brief“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].”

#147The SOP writer

#148The quarterly book review

#149The delegation test

#150The edition-one graduation