AI prompt to prepare an annuity suitability conversation

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 suitability conversation, 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 list of suitability and best-interest questions to cover before discussing any annuity (goals, time horizon, liquidity, risk tolerance, existing products). No recommendations.

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 list of suitability and best-interest questions to cover before discussing any annuity (goals, time horizon, liquidity, risk tolerance, existing products). No recommendations.

What a good result looks like

A good suitability question list covers goals, time horizon, need for access to money, risk tolerance, income sources, existing annuities and insurance, and tax considerations, so the conversation gathers what's needed before any product is discussed.

Common mistakes and watch-outs

Follow your state's suitability or best-interest rules and your carrier or broker-dealer requirements; document answers and the reasoning for any recommendation. Watch for replacement situations, which need extra care. AI meeting notes (Jump, Zocks) must be approved and accurate before they go in a file.

How to adapt the prompt

Add questions your firm's forms require and a short client-facing explanation of why you ask them. Ask for a checklist to confirm all answers are documented after the meeting.

EXAMPLE output (placeholder data, not a real client)

Suitability conversation (no recommendations yet)

Goals
- What do you want this money to do for you?

Time horizon
- When might you need this money?

Liquidity
- Do you have other savings for emergencies?

Risk tolerance
- How would you feel if the value dropped for a while?

Existing products
- Do you own annuities or life insurance now? Any surrender charges?

Document answers in [Firm Suitability Form].

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: Prepare an annuity review meeting.

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 record the suitability conversation as audit-ready notes.

Zocks site ↗

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

How to use it

Use Zocks to capture notes from the suitability meeting.

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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