AI prompt to support clients approaching retirement

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 support clients approaching retirement, 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.

Try it in the search box ›

The prompt

Write an educational email for clients nearing retirement listing coverage topics to review (health coverage transition, Medicare timing, life insurance needs, annuity questions, auto usage changes). Suggest a review meeting; no product recommendations. 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 educational email for clients nearing retirement listing coverage topics to review (health coverage transition, Medicare timing, life insurance needs, annuity questions, auto usage changes). Suggest a review meeting; no product recommendations. Use placeholders like [First Name]; no client personal info; no guarantees or price promises.

What a good result looks like

A good email lists the coverage topics people nearing retirement often review (moving from employer health coverage, Medicare timing, life insurance needs, annuity questions, less driving) and suggests a review meeting without recommending products.

Common mistakes and watch-outs

Medicare and retirement income topics are regulated; keep the email educational and follow Medicare marketing rules if you mention it. Don't give tax or investment advice. Suggest they involve their financial or tax professional where relevant.

How to adapt the prompt

Write a version for clients retiring within a year and one for those a few years out. Grammarly can help keep it concise.

EXAMPLE output (placeholder data, not a real client)

Subject: Planning for retirement? A few insurance topics

Hi [First Name],

As retirement gets closer, these topics are worth reviewing:

1. Health coverage: what happens when employer coverage ends
2. Medicare timing: when to enroll
3. Life insurance: do your needs change?
4. Annuity questions: if you have one or are considering one
5. Auto: driving less may change your policy

Would you like to set up a review? [Booking Link]

[Agent Name]
[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.
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 ChatGPT, Claude, Gemini or Copilot, or use Jump and Zocks as described below.
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: 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.

Suggested from the related task Prepare an annuity review meeting.

How to use it

Use Jump to capture the annuity review meeting notes as an audit-ready record.

Zocks site ↗

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