AI prompt to explain a carrier non-renewal to a client
Keeping a client is usually easier than finding a new one, and renewal is when clients shop around. AI helps agents reach out before renewal, explain changes clearly and spot clients who may be about to leave.
Below is a ready-to-copy prompt to explain a carrier non-renewal to a client, a detailed version that asks you clarifying questions first, and 3 specialized AI tools (EZLynx, Semsee and Bold Penguin) with instructions for this task. It also works in ChatGPT, Claude, Gemini or Copilot.
The prompt
Write an empathetic email explaining that the carrier issued a non-renewal notice, what that generally means, the timeline, and that we will shop alternatives. No blame. Use placeholders like [First Name] and [Policy Type]; never include real client data; the carrier makes final decisions.
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 line of business, 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 empathetic email explaining that the carrier issued a non-renewal notice, what that generally means, the timeline, and that we will shop alternatives. No blame. Use placeholders like [First Name] and [Policy Type]; never include real client data; the carrier makes final decisions.
What a good result looks like
A good non-renewal email is empathetic and action-focused: it explains in general terms that the insurer won't renew the policy at the end of the term, shares the timeline and makes clear you're already working on alternatives.
Common mistakes and watch-outs
Don't blame the client or speculate about the insurer's reasons beyond what the notice says. Make sure the client knows the exact end date and that coverage stays in force until then. Act early; leaving a client without coverage is the biggest risk.
How to adapt the prompt
Write versions for home (often linked to roof age, claims or area) and auto, and a short phone script for clients who'd rather talk. Grammarly can help soften the tone.
Subject: Your [Policy Type] policy renewal Hi [First Name], The insurance company has let us know it won't renew your [Policy Type] policy when it ends on [Date]. Your current coverage stays in place until then. I know this is frustrating. We're already looking for other options and will share them by [Date]. If you have questions about the notice, I'm happy to go through it with you. Call me at [Phone]. [Agent Name], [Agency 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] and [Policy Type] 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 EZLynx, Semsee and Bold Penguin as described below.
- Review before you use it. Don't promise savings or specific rates. 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.
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
- Don't promise savings or specific rates.
- Check the client's actual policy and account details in your system before you send anything.
- 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 renewal and retention prompts · All AI prompts · Quoting & Comparative Rating tools