5 Claude Prompts for Insurance Client Communication

You are an independent insurance agent writing a prospecting email. The email should feel personal, knowledgeable, and valuable — not like a mass marketing blast. The goal is to start a conversation, not close a sale.

<prospect-context>
- Prospect type: [e.g., Small business owner, runs a plumbing company with 15 employees]
- How you found them: [e.g., Referral from an existing commercial client, or local Chamber event, or noticed they are a new business in the area]
- What you know about their situation: [e.g., Growing company, recently hired 5 new employees, currently insured through a direct carrier (based on LinkedIn post mentioning insurance frustration)]
- Your differentiator: [e.g., Specialize in contractor insurance, have access to 8+ carriers for best pricing, offer annual risk reviews]
</prospect-context>

<products-to-mention>
[e.g., Commercial general liability, commercial auto, workers compensation, umbrella. Also mention your free risk assessment for contractors.]
</products-to-mention>

<instructions>
- Open with a connection point — the referral, the event, or something specific about their business
- Lead with insight or value, not a pitch: "I work with a lot of plumbing contractors in the area, and the most common gap I see is..."
- Position your expertise as relevant to their specific industry
- Keep it under 150 words — busy business owners will not read a long email
- End with a low-commitment call to action: a 15-minute call, a free risk review, or simply asking a question
- Tone: Professional, confident, helpful. Not salesy, not desperate, not overly casual
</instructions>

<avoid>
- "I'd love to earn your business" (overused and generic)
- Listing every product you offer
- Making the email about you instead of about them
- Fake urgency or pressure
</avoid>

Write a warm, personalized cross-sell email for an existing client who recently experienced a life event. The email should feel like it comes from an agent who genuinely cares about the client's wellbeing, not someone who sees a sales opportunity.

<client-context>
- Client relationship: [e.g., Personal lines client for 4 years, home and auto. Always responsive and friendly.]
- Life event: [e.g., Just bought a new home (upgrading from a condo). Moving from a $250,000 condo to a $550,000 single-family home with a pool.]
- Current coverage: [e.g., Condo policy, auto policy, no umbrella, no life insurance]
- Coverage gaps triggered by life event: [e.g., Needs homeowners policy (obviously), but also: pool creates liability exposure (umbrella recommended), larger home value means more at stake (life insurance to protect mortgage), personal property needs update]
</client-context>

<products-to-mention>
[e.g., New homeowners policy, umbrella policy ($1M), term life insurance, updated personal property coverage]
</products-to-mention>

<instructions>
- Open by congratulating them on the new home — be genuine
- Transition naturally to "there are a few coverage things that come with a bigger home and a pool"
- Frame each recommendation as protection, not a product: "A pool is great for your family, and it also means more people on your property — which is why an umbrella policy makes sense now"
- Do not try to cover everything in one email — focus on the most important 2-3 recommendations
- Suggest scheduling a call to walk through everything together
- Keep it under 200 words
- Tone: Warm, congratulatory, protective, like a trusted advisor who noticed something important
</instructions>

Write an annual review invitation email that makes the client want to schedule the call. Most agents send boring form letters. This should feel valuable and personal.

<client-context>
- Client: [e.g., Family, both mid-40s, been with the agency 5 years. Home, auto, umbrella. Two teenage drivers. No claims in the past 3 years.]
- Recent changes in their profile: [e.g., Oldest child just got their license (already added to auto). Younger child will be driving next year. Home renovation completed last year (may need dwelling coverage update).]
- Market context: [e.g., Auto rates have increased 12% market-wide this year. Home rates stable. Several new discounts available for claims-free clients.]
</client-context>

<instructions>
- Open with something specific to their situation — not "It's that time of year again"
- Give them a reason to take the call: "There are 3 things I want to check on for you..."
- Preview what you will cover — make it feel like valuable advice, not a sales pitch
- Mention the new teen driver situation — parents ALWAYS want to discuss this
- Note that their claims-free status may qualify them for new savings
- Offer 2-3 specific time slots (or a scheduling link) — reduce friction
- Keep it under 150 words
- Tone: Proactive, helpful, like a financial advisor checking in — not a salesperson following up
</instructions>

<avoid>
- "Just touching base" or "checking in" (add value instead)
- Making it sound like a formality
- Talking about yourself or your agency more than about them
</avoid>

Write a re-engagement email for a client who left the agency. The tone should be warm and non-judgmental — no guilt, no pressure. The goal is to open the door, not force a sale.

<client-context>
- Client history: [e.g., Was a personal lines client for 3 years. Left 8 months ago during a rate increase. Moved to a direct carrier for a lower premium.]
- What you know: [e.g., They moved their home and auto to a direct writer. You suspect they may not have umbrella coverage anymore. Direct carriers in this area have raised rates significantly since they switched.]
- Your value proposition: [e.g., You can shop 12 carriers now (expanded since they left). New claims-free discount available. Annual review included.]
</client-context>

<instructions>
- Open warmly — acknowledge they have been on your mind (not literally, but professionally)
- Do NOT mention why they left or that they left for a cheaper price — that is their business
- Lead with something that has changed on your end: "We have added several new carriers since you were with us..."
- Offer a no-obligation comparison: "Happy to run a quick comparison to see if the numbers have shifted"
- Make it easy to say yes — low commitment, no pressure
- Keep it under 120 words — they are not expecting this email, so brevity matters
- Tone: Warm, professional, no guilt, no pressure, just an open door
</instructions>

<avoid>
- "We miss you" (too personal for a business relationship)
- Criticizing their current carrier
- Implying they made a bad decision by leaving
- Long emails — they will not read it
</avoid>

Write a professional email documenting a client's decision to decline a recommended coverage. This email serves two purposes: it protects the agent's E&O exposure, and it gives the client a clear record of what was recommended and why.

<recommendation-context>
- Client: [e.g., Homeowner, family with two children, home valued at $450,000]
- Recommendation made: [e.g., Umbrella policy, $1,000,000, estimated annual premium $310]
- Reason for recommendation: [e.g., Client has significant assets (home equity, retirement accounts), two teen drivers, a pool, and regularly hosts gatherings. Liability exposure exceeds current $300,000 home and $250/$500 auto limits.]
- Client's response: [e.g., "Not right now, maybe next year. Don't want to add another bill."]
- Date recommendation made: [e.g., During annual review call last Tuesday]
</recommendation-context>

<instructions>
- Open warmly — thank them for the review conversation
- Restate the recommendation clearly: what you recommended, the cost, and why
- Explain the coverage gap in plain language — what risk remains without the umbrella
- Acknowledge their decision respectfully — no guilt, no scare tactics
- Note that the recommendation remains available and you are happy to revisit anytime
- Request a reply confirming receipt (for documentation purposes)
- Close by reinforcing that you are always looking out for their best interest
- This email should be professional enough to be included in an E&O file
- Keep it under 200 words
</instructions>

<format>
Professional email format. Include a clear subject line that references the coverage recommendation documentation.
</format>