AI prompt to explain a coverage or policy term to a client
Clients rarely read their policies, and confusing terms lead to surprises at claim time. Plain-English explanations build trust and help prevent misunderstandings. AI turns policy language into short, clear explanations you can edit.
Below is a ready-to-copy prompt to explain a coverage or policy term to a client, a detailed version that asks you clarifying questions first, and 5 specialized AI tools (Synthesia, Lumen5, Descript, Tidio and Intercom Fin) with instructions for this task. It also works in ChatGPT, Claude, Gemini or Copilot.
The prompt
Explain [coverage term, e.g., umbrella liability] to a client in plain English with one everyday example. Note that actual coverage depends on the policy wording. Under 150 words.
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 type of policy, who the explanation is for, and whether you want an email, handout or script). Then complete this task, and finish with a short checklist of statements I should verify with my compliance team. Task: Explain [coverage term, e.g., umbrella liability] to a client in plain English with one everyday example. Note that actual coverage depends on the policy wording. Under 150 words.
What a good result looks like
A good explanation defines the term you named in one or two plain sentences, gives one everyday example, and reminds the client that their policy wording decides the details. It's short enough to paste into an email or text.
Common mistakes and watch-outs
Simple explanations can sound like promises. Avoid 'you're covered for...' and check the client's actual policy before using the example. Don't explain terms you're not licensed to discuss for that line of business.
How to adapt the prompt
Replace the bracketed term with any coverage (deductible, loss of use, medical payments, uninsured motorist) and ask for a version at a lower reading level or in Spanish if your clients prefer it.
What is uninsured motorist coverage? If you're hit by a driver who has no insurance, or not enough, uninsured/underinsured motorist coverage can help pay for your injuries and, on some policies, damage to your car. Example: another driver runs a red light and has no insurance. This coverage can help with your medical bills. What it covers depends on your policy and state. Ask [Agent Name] to review yours.
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.
- Fill in the placeholders. Replace [coverage term, e.g., umbrella liability] with your own details. Use placeholders or de-identified details; never paste client personal information.
- Run it in the right tool. Paste it into ChatGPT, Claude, Gemini or Copilot, or use Synthesia, Lumen5 and Descript as described below.
- Review before you use it. Coverage depends on the actual policy form, state and carrier; tell clients to check their own policy. Check every fact, name and number yourself.
- Take the next step. Next, see: Make a short explainer video.
Best AI tools for this task
Specialized tools first, ordered by fit for this task (never by payout), then any general AI assistant.
Synthesia site ↗
AI video platform for creating presenter-style explainer and training videos.
Suggested from the related task Make a short explainer video.
Paste the script into Synthesia and generate a presenter-style explainer video.
Lumen5 site ↗
AI video creation platform that turns text into short marketing videos.
Suggested from the related task Make a short explainer video.
Turn the blog post/script into a short video with Lumen5.
Descript site ↗
AI audio and video editor that edits media by editing the transcript.
Suggested from the related task Make a short explainer video.
Record yourself reading the script and edit by editing the transcript in Descript.
Tidio site ↗
Website chat with the Lyro AI agent for answering questions and capturing leads.
Suggested from the related task Add a chatbot to the agency website.
Train Tidio's Lyro AI agent on your FAQ page so it answers common questions and captures leads.
Intercom Fin site ↗
AI customer service agent for chat, email and voice support.
Suggested from the related task Add a chatbot to the agency website.
Connect Fin to your help content so it answers service questions over chat and email.
Any AI assistant
ChatGPT Claude Google Gemini Microsoft Copilot
Paste the prompt above (short or detailed) into any of these.
Before you use it
- Coverage depends on the actual policy form, state and carrier; tell clients to check their own policy.
- Don't say something is or isn't covered without reviewing the policy.
- 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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