# Annual coverage review invite prompt: free ChatGPT template > Invite an insurance client to a short annual review: why now, what to have handy, two times to pick from. No scare tactics and no coverage advice. Source: https://learn.ynteractive.com/content/prompts/annual-coverage-review-invite-prompt · Updated 2026-10-01 · Free from Stepthrough (https://learn.ynteractive.com) [Follow-ups](https://learn.ynteractive.com/content/prompts#job-follow-ups) · [Insurance](https://learn.ynteractive.com/content/prompts#industry-insurance) · Works in ChatGPT, Claude, Gemini and Copilot Updated October 1, 2026 · By [Robert Breen](https://learn.ynteractive.com/content/about) Use this when a client's policies come up for their yearly look, or after you hear about a change that might matter: a renovation, a new driver, a home business. The prompt writes a short, personal invite that mentions what you know, asks the client to bring a few facts, and offers real times, so the review feels like a service and not a sales call. It doesn't tell the client they're underinsured or missing anything. Whether coverage should change is for the review itself, with a licensed agent. ## The prompt Copy it into ChatGPT (or Claude, Gemini or Copilot) and replace every `[BLANK]` with your own details. It uses the four parts from [Prompt Writing 101](https://learn.ynteractive.com/content/prompt-writing-101-role-context-task-format): Role, Context, Task and Format. Copy prompt ```text Role: You are [AGENT] at [AGENCY], inviting a client you know to their annual coverage review. Context: The client and their policies with us: [CLIENT POLICIES]. What may have changed for them: [KNOWN CHANGES]. Times I can offer and how we'd meet: [TIMES]. Don't suggest their coverage is too low, too high or missing anything, and don't mention prices or savings. Task: Write an invitation that says in one line why we review every year, mentions the known changes as things we'd like to hear about, lists two or three things to have handy, and asks them to pick a time. Format: Subject line first. Under 140 words, warm and low-pressure. Times as a short list. Sign as [AGENT]. ``` ## Fill in the blanks **`[AGENT]`** Your name as the client knows you. **`[AGENCY]`** Your agency's name. **`[CLIENT POLICIES]`** Names, the policies they have with you, the carrier and renewal month. **`[KNOWN CHANGES]`** Things the client has told you or that are in your file: a remodel, a teen driver, a new business. Only include what they'd expect you to remember. **`[TIMES]`** Two or three real slots, how long it takes, and phone, video or office. ## Example, filled in **A made-up example** from the free lesson [Reply Faster to Claim-Status Emails: ChatGPT for Independent Insurance Agencies](https://learn.ynteractive.com/content/chatgpt-reply-claim-status-emails-insurance-agency). Stonebridge Insurance Agency is the made-up agency in the insurance Reply Faster lesson. Tom is inviting two longtime clients to their yearly review after hearing about two changes in passing. Copy example ```text Role: You are Tom at Stonebridge Insurance Agency, inviting a client you know to their annual coverage review. Context: The client and their policies with us: Marcus and Joy Whitaker, homeowners and auto policies with Harbor Mutual, both renewing in November. What may have changed for them: Joy mentioned in June that they finished their basement, and their son Eli got his learner's permit in August. Neither is reflected in our file yet. Times I can offer and how we'd meet: Tue Oct 20 at 10 a.m. or Thu Oct 22 at 4 p.m., 20 minutes, by phone or at our office. Don't suggest their coverage is too low, too high or missing anything, and don't mention prices or savings. Task: Write an invitation that says in one line why we review every year, mentions the known changes as things we'd like to hear about, lists two or three things to have handy, and asks them to pick a time. Format: Subject line first. Under 140 words, warm and low-pressure. Times as a short list. Sign as Tom. ``` ## What a good answer looks like - The basement and Eli's permit mentioned as conversation starters, not warnings. - A "have handy" list that fits these clients, such as what the basement project cost and when Eli expects to drive on his own. - Two specific times, the length and how you'll meet. - No claims about gaps, savings or prices. ## How to check it before you use it An AI draft can sound right and still say something you never told it. Use the habit from the [Reply Faster lesson](https://learn.ynteractive.com/content/chatgpt-reply-to-customer-emails): check every promise, name, date and number against what you gave it before anything goes out. - Check every promise: the email should promise a conversation, not a discount or an outcome. Delete "make sure you're fully protected" and "find you savings." - Confirm the policies, carrier and renewal month against your agency system. - Make sure every personal detail is one the client shared with you and would expect you to remember. - Check that the offered times are still free before you send. ## Why this prompt works The known-changes blank is what makes this invite worth opening, and the Context turns those changes into questions instead of problems. Save it as a [prompt template](https://learn.ynteractive.com/content/glossary/prompt-template) with your agency's times format filled in, and each invite takes a minute. ## Practice it in the free lesson **[Reply Faster to Claim-Status Emails: ChatGPT for Independent Insurance Agencies](https://learn.ynteractive.com/content/chatgpt-reply-claim-status-emails-insurance-agency)**: A client with an open auto claim wants a payment date, a rental and a promise about her rate. Give ChatGPT the thread and your agency's facts, catch what it shouldn't promise, and send an honest reply from Gmail. You do every step yourself in a practice copy of ChatGPT, and nothing touches your real accounts. [Start the free lesson](https://learn.ynteractive.com/modules/insurance-claim-status-reply) Also useful: [Prompt Writing 101: Role, Context, Task, Format](https://learn.ynteractive.com/content/prompt-writing-101-role-context-task-format) ## Terms used here [Prompt template](https://learn.ynteractive.com/content/glossary/prompt-template) · [Prompt constraints](https://learn.ynteractive.com/content/glossary/prompt-constraints) · [Follow-up email](https://learn.ynteractive.com/content/glossary/follow-up-email) ## Related prompts - [Policy renewal reminder prompt](https://learn.ynteractive.com/content/prompts/policy-renewal-reminder-prompt): Remind an insurance client about an upcoming renewal: the date and premium exactly as the carrier issued them, questions about… - [Coverage question reply prompt](https://learn.ynteractive.com/content/prompts/coverage-question-reply-prompt): Answer a client's "am I covered?" email honestly: what the declarations page lists, who decides, and how to start a claim. It… - [Client quarterly review recap prompt](https://learn.ynteractive.com/content/prompts/client-quarterly-review-recap-prompt): Turn your notes or transcript from a client's quarterly review into a recap email: decisions, who does what by when, what you… - [Meeting agenda prompt](https://learn.ynteractive.com/content/prompts/meeting-agenda-prompt): Turn a list of topics into a timed meeting agenda where every item has an owner, a question to settle and minutes that add up to… [All free prompt templates](https://learn.ynteractive.com/content/prompts) · [AI glossary](https://learn.ynteractive.com/content/glossary)