8 prompts from real client work, for insurance brokers, advisors & financial planners. Every prompt tells you when to use it: fill in the brackets, paste it into ChatGPT or Claude, and send. Free, no account needed.
Prospect
Cold Outreach: Business Owner Prospect
Use when reaching out to a small business owner who may be underinsured or with a competitor. Specific, research-based outreach outperforms generic cold calls every time.
Write a short prospecting email or LinkedIn message from [Your Name], insurance broker at [Brokerage], to [Business Owner Name] at [Company]. Hook: reference something specific: [e.g. they recently moved locations, expanded their team, or are in a high-risk industry]. Identify one likely coverage gap without being alarmist: [e.g. commercial liability, business interruption, key person insurance]. CTA: a 15-minute call to do a free coverage review. Tone: knowledgeable peer, not salesperson. Under 120 words. No "I hope this finds you well."
Nurture
Pre-Renewal Alert: 60 Days Before Expiry
Send 60 days before a client policy renews. This is the window where clients shop around: proactive outreach keeps them in your book and shows you are watching out for them.
Write a pre-renewal email from [Your Name] to client [Client Name] whose [policy type, e.g. commercial general liability, home and auto bundle, life insurance] renews on [date]. Do not just say "your renewal is coming up." Instead: note any changes in their situation over the past year that may affect their coverage needs: [e.g. new vehicle, home renovation, business expansion]. Offer to do a full coverage review before renewal. CTA: book a 20-minute review call before [date]. Tone: proactive advisor, not renewal reminder robot. Under 180 words.
Nurture
Life Event Follow-Up: New Home, Baby, or Business
Use when you learn a client or prospect has had a major life event. These moments create new insurance needs, and most brokers miss them because they only talk to clients at renewal.
Write a brief, congratulatory message from [Your Name] to [Client/Prospect Name] who recently [had a baby / bought a home / started a business / got married]. Congratulate them genuinely. Note in 1-2 sentences how this life event typically creates new coverage considerations: [e.g. a new baby means revisiting life insurance and disability coverage / a new home means reviewing contents and liability / a new business needs commercial coverage]. Offer a quick 15-minute call at their convenience. Tone: thoughtful advisor, not opportunistic salesperson. Under 100 words. Text or email.
Close
Objection Handler: I Will Just Auto-Renew
Use when a client or prospect plans to just let their policy auto-renew without shopping. This is where most clients overpay, and where you can prove your value.
Write a response to a client who says they will just auto-renew with their current insurer. Do not pressure them. Instead: explain what auto-renewing without a review actually costs: [e.g. insurers often increase premiums at renewal knowing most clients do not shop, coverage terms may have changed, their situation may have changed making them eligible for better rates]. Offer to do a no-obligation side-by-side comparison in 15 minutes. Tone: confident advisor protecting their interests. Under 140 words. End with a question that re-opens the conversation.
Nurture
Policy Review Appointment: Existing Client
Use annually with all existing clients. An annual review keeps clients loyal, uncovers gaps, and generates referrals: most brokers skip it because it does not feel like selling.
Write an annual policy review request from [Your Name] to existing client [Client Name]. Position this as something you do for all your clients, not a sales call. Mention 2-3 reasons why a review matters right now: [e.g. market conditions have changed, new products are available, their life may have changed since last year]. CTA: a 20-minute call at their convenience. Include a booking link or 2 time options. Tone: professional, client-first. Under 150 words. Make them feel like a valued client, not a revenue source.
Retain
Referral Request: Satisfied Client
Use after a positive claim experience, a successful policy review, or a client expressing satisfaction. Insurance referrals are high-value and surprisingly rarely asked for.
Write a referral request message to a satisfied client, [Client Name], after [e.g. we helped them through a claim smoothly / they just renewed with savings / you resolved a coverage issue for them]. Express genuine gratitude for their trust. Ask simply: do they know any friends, family members, or colleagues who might benefit from a coverage review, particularly anyone who [is in their industry / recently bought a home / has a growing family]. Keep it casual and pressure-free. Under 80 words. Text or email. Tone: genuine, not transactional.
Retain
Claims Follow-Up: Checking In After a Claim
Send 1-2 weeks after a client files a claim. Most brokers disappear during the claims process: this single touchpoint builds more loyalty than any marketing you can do.
Write a check-in message from [Your Name] to [Client Name] who filed a [claim type, e.g. auto, property, liability] claim approximately [X days/weeks] ago. Ask how the process is going and whether they have any questions or concerns. Offer to advocate on their behalf if anything feels unclear or delayed. Do not wait for them to ask for help. Offer it proactively. Tone: genuinely supportive advocate. Under 100 words. This message should feel like it came from a person who cares, not a brokerage CRM.
Retain
New Client Welcome: Policy Summary Email
Send within 24 hours of a new client placing coverage. Sets the tone for the relationship and reduces the most common post-purchase anxiety: "did I make the right choice?"
Write a new client welcome email from [Your Name] to [Client Name] who just placed [policy type] coverage. Confirm the key details: what is covered, the effective date, and how to access their policy documents. Explain clearly how to reach you and what to do in case of a claim. Include one reassurance about why they are well protected. Tone: organised, warm, confidence-building. Under 200 words. Make them feel like they have a real person in their corner, not just a policy number.