AI prompt to explain long-term care insurance

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 explain long-term care insurance, a detailed version that asks you clarifying questions first, and tips for using it. It works in any AI assistant: ChatGPT, Claude, Gemini or Copilot.

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The prompt

Explain long-term care insurance in plain English: what kinds of care it may help pay for, elimination periods, and hybrid life/LTC options in general terms. No recommendations; terms vary by insurer. Under 220 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 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: Explain long-term care insurance in plain English: what kinds of care it may help pay for, elimination periods, and hybrid life/LTC options in general terms. No recommendations; terms vary by insurer. Under 220 words.

What a good result looks like

A good explanation describes the kinds of care long-term care insurance may help pay for (home care, assisted living, nursing home care), explains the elimination period, and mentions hybrid life/LTC options in general terms. It stays neutral and notes that terms vary.

Common mistakes and watch-outs

Avoid fear-based statements and cost-of-care figures unless you have a current, cited source. Don't imply premiums will never change or that every type of care is covered. Check product-specific rules and any training your state requires before discussing LTC products.

How to adapt the prompt

Ask for a version for adult children planning with parents, or for couples in their 50s. You can also ask for a list of questions to discuss in a planning meeting.

EXAMPLE output (placeholder data, not a real client)

Long-term care insurance in plain English

It may help pay for care if you need help with everyday activities, like bathing or dressing, because of illness, injury or aging.

Care it may cover: home care, assisted living, nursing home care.

Elimination period: the waiting time before benefits start.

Hybrid options: some life insurance policies include long-term care benefits.

Terms vary by insurer. Talk with [Agent Name] about your options.
[Required Disclaimer]

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 any AI assistant: ChatGPT, Claude, Gemini or Copilot.
Review before you use it. Use carrier- or IMO-approved materials and required disclosures. Check every fact, name and number yourself.
Take the next step. Next, see: Explain term vs. whole life insurance.

Which AI tool to use

Any AI assistant

ChatGPT Claude Google Gemini Microsoft Copilot

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

Before you use it

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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