AI prompt to prepare families sending a student to college

Marriages, new homes, new babies, retirements and losses change what clients need covered. A timely, human message shows you are paying attention and opens a natural coverage review. AI helps you write it quickly and in the right tone.

Below is a ready-to-copy prompt to prepare families sending a student to college, 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

Write an email for parents of a student heading to college covering questions about belongings in a dorm, whether the student takes a car, and health plan access away from home. Coverage depends on the policy. Use placeholders like [First Name]; no client personal info; no guarantees or price promises.

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 life event, your relationship with the client, and tone). Then complete this task, and finish with a short checklist of statements I should verify with my compliance team.

Task: Write an email for parents of a student heading to college covering questions about belongings in a dorm, whether the student takes a car, and health plan access away from home. Coverage depends on the policy. Use placeholders like [First Name]; no client personal info; no guarantees or price promises.

What a good result looks like

A good college email helps parents ask the right questions: whether belongings in a dorm are covered and up to what amount, whether the student is taking a car, and how their health plan works away from home. It frames everything as 'ask us' because coverage depends on the policy.

Common mistakes and watch-outs

Don't assume a parent's homeowners policy covers dorm belongings in full; policies often limit off-premises property. Students taking a car may need a policy review. Avoid promising discounts that depend on the insurer.

How to adapt the prompt

Write versions for students living off campus in an apartment (where renters insurance may make sense) and for students studying abroad. Grammarly can help keep it concise.

EXAMPLE output (placeholder data, not a real client)

Subject: Heading to college? A few insurance questions

Hi [First Name],

Congratulations to your student! Before move-in day, a few questions to ask us:

1. Belongings in the dorm: are they covered, and up to what amount?
2. Taking a car: does the policy need to change? Is there a discount for students away at school without a car?
3. Health coverage: how does your plan work in another city or state?

Coverage depends on your policy. Call me at [Phone] for a quick review.

[Agent Name]

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 [First Name] with your own details. Use placeholders or de-identified details; 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. Don't assume what coverage someone needs; invite a review instead. Check every fact, name and number yourself.
Take the next step. Next, see: Guide families adding a teen driver.

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

Don't assume what coverage someone needs; invite a review instead.
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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