AI prompt to submit life and annuity applications electronically
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 submit life and annuity applications electronically, a detailed version that asks you clarifying questions first, and 4 specialized AI tools (iPipeline, EZLynx, Semsee and Bold Penguin) with instructions for this task. It also works in ChatGPT, Claude, Gemini or Copilot.
The prompt
Create a pre-application checklist for a term life case (documents, medical questions, beneficiary info to collect) without any client data.
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 pre-application checklist for a term life case (documents, medical questions, beneficiary info to collect) without any client data.
What a good result looks like
A good pre-application checklist tells the client exactly what to gather before the application (ID, beneficiary details, doctors and medications, existing coverage) so the e-app goes smoothly and nothing is guessed during the call.
Common mistakes and watch-outs
Never guess or 'help' with medical answers; the client must answer accurately and in their own words. Replacement of existing coverage triggers extra forms and rules. Collect information through secure channels, and don't put any client data into the AI prompt. E-app platforms like iPipeline handle the actual submission.
How to adapt the prompt
Adapt it for permanent life, annuities or final expense, and add any carrier-specific requirements you know about. Ask for a client-facing email version of the checklist.
Before your life insurance application Please have ready: [ ] Driver's license or state ID [ ] Beneficiary names, relationships and dates of birth [ ] Your doctors' names and contact details [ ] Medications and dosages [ ] Details of any existing life insurance (company, amount) [ ] Bank details if paying by bank draft Please answer all health questions fully and accurately. Questions? Call [Agent Name] at [Phone].
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 iPipeline, EZLynx and Semsee as described below.
- Review before you use it. Collect only the information you need, and store what clients share securely. Check every fact, name and number yourself.
- Take the next step. Next, see: Compare quotes across carriers.
Best AI tools for this task
Specialized tools first, ordered by fit for this task (never by payout), then any general AI assistant.
iPipeline site ↗
Software for life insurance, annuities and wealth: quoting, e-apps and connectivity.
Use iPipeline's life and annuity software for quoting and electronic applications.
EZLynx site ↗
Comparative rating and agency management platform for independent agencies.
Suggested from the related task Compare quotes across carriers.
Enter the personal lines risk once in EZLynx's comparative rater and compare the returned carrier quotes side by side; EVA, EZLynx's embedded AI, cuts down the manual data entry.
Semsee site ↗
Digital distribution platform connecting agents, partners, carriers and MGAs for commercial quoting.
Suggested from the related task Compare quotes across carriers.
Quote a small commercial risk across connected carriers/MGAs in Semsee.
Bold Penguin site ↗
Commercial submission platform; states its DeX AI reads, prices and routes submissions to markets.
Suggested from the related task Compare quotes across carriers.
Submit the commercial risk and review the market matches returned.
Any AI assistant
ChatGPT Claude Google Gemini Microsoft Copilot
Paste the prompt above (short or detailed) into any of these.
Before you use it
- Collect only the information you need, and store what clients share securely.
- Use the carrier's approved application process and forms; don't change application answers for the client.
- 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.
Related tasks
More: All life, annuity and health prompts · All AI prompts · Quoting & Comparative Rating tools