AI prompt to prepare an annuity review meeting

Life, annuity and health products are complex and closely regulated, so clear, neutral explanations matter. AI helps agents prepare plain-language explainers, meeting prep and checklists, which you then check against product materials and your compliance rules.

Below is a ready-to-copy prompt to prepare an annuity review meeting, a detailed version that asks you clarifying questions first, and 2 specialized AI tools (Jump and Zocks) with instructions for this task. It also works in ChatGPT, Claude, Gemini or Copilot.

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The prompt

Create a neutral checklist for reviewing a client's existing annuity (contract type, surrender schedule, fees, riders, beneficiaries) and questions to ask. No recommendations to replace; note suitability rules.

Detailed version (asks clarifying questions first)

Act as an experienced assistant to a licensed insurance agent. Before answering, ask me up to 3 clarifying questions (the product type, the client's life stage and the format). Then complete this task, and finish with a short checklist of statements I should verify with my compliance team.

Task: Create a neutral checklist for reviewing a client's existing annuity (contract type, surrender schedule, fees, riders, beneficiaries) and questions to ask. No recommendations to replace; note suitability rules.

What a good result looks like

A good review checklist covers the contract type, surrender schedule, fees, riders, beneficiaries and how the annuity fits the client's current goals, with neutral questions to ask. It supports a conversation, not a sales decision.

Common mistakes and watch-outs

Replacing an annuity can cost surrender charges and lose benefits, and replacement is closely regulated. Don't suggest it without a full suitability review. Get contract details from the insurer's statements, not memory. AI meeting tools (Jump, Zocks) need consent and accuracy checks.

How to adapt the prompt

Add questions about required minimum distributions for older clients, or income riders for clients nearing retirement. Ask for a client-facing list of documents to bring.

EXAMPLE output (placeholder data, not a real client)

Annuity review checklist

[ ] Contract type and issue date
[ ] Current value and surrender value
[ ] Surrender schedule: charges until [Date]
[ ] Fees and rider charges
[ ] Riders and what they provide
[ ] Beneficiaries up to date?

Questions:
- Has your goal for this money changed?
- Do you expect to need access in the next few years?
- Are you comfortable with how it's working?

No replacement recommendation without a full suitability review.

How to use it

Copy the prompt. Copy the short prompt above, or the detailed version if you want the AI to ask clarifying questions first.
Add your details. Add the details for your situation (line of business, audience, tone). Keep it de-identified; never paste client personal information.
Run it in the right tool. Paste it into ChatGPT, Claude, Gemini or Copilot, or use Jump and Zocks as described below.
Review before you use it. Follow suitability and best-interest rules; no projections or guarantees beyond approved materials. Check every fact, name and number yourself.
Take the next step. Next, see: Explain annuities in plain English.

Best AI tools for this task

Specialized tools first, ordered by fit for this task (never by payout), then any general AI assistant.

Jump site ↗

AI assistant for financial advisors turning meetings and emails into notes and audit-ready records.

How to use it

Use Jump to capture the annuity review meeting notes as an audit-ready record.

Zocks site ↗

AI assistant for financial services: meeting prep, notes, onboarding and plans.

How to use it

Use Zocks to prep the meeting and produce notes afterward.

Any AI assistant

ChatGPT Claude Google Gemini Microsoft Copilot

Paste the prompt above (short or detailed) into any of these.

Before you use it

Follow suitability and best-interest rules; no projections or guarantees beyond approved materials.
Use carrier- or IMO-approved materials and required disclosures.
Never paste client personal information (names, policy numbers, health or financial details) into AI tools your agency hasn't approved.
Review every AI output for accuracy and compliance before you use it.

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