By the end of this you'll have 31 prompts you can copy into ChatGPT, Claude or Copilot today, and you'll know how to write the 32nd yourself.
A bad prompt gets you a bad intern. A good prompt gets you a decent first draft in seconds.
What's the difference? Specifics. Let's start there.
The five parts of a good prompt
Every prompt below has the same skeleton. Learn it once and you'll write your own.
- Who you are. "I'm a CSR at an independent agency in Ohio."
- What you want. One task. Not three.
- What you're giving it. The email, the notes, the table. With names swapped for [PLACEHOLDERS].
- What shape it comes back in. Under 120 words. A table. Five bullets.
- What it must not do. Promise coverage. Invent a limit. Guess a date.
OpenAI's own guide to prompting ChatGPT and Anthropic's prompt engineering overview say much the same thing: be clear, give context, show the format you want.
Two house rules before you copy anything. Run client work on a business plan your agency controls, and never paste Social Security numbers, license numbers, bank details, health information or claimant names. Swap them for placeholders. Our guide to using ChatGPT as an insurance agent covers the setup.
Service prompts
Triage a messy request
List every separate request in this client email as a checklist. For each, note what we still need from the client. Do not reply yet.
[EMAIL WITH NAMES REPLACED]
Acknowledge it
Draft a reply confirming we received [CONTACT]'s request for [REQUEST] and listing what we need: [ITEMS]. Under 100 words. No promises about coverage or timing.
Certificate request intake
From this request, list: certificate holder, project or contract, additional insured wording, waiver of subrogation, primary and noncontributory, notice of cancellation. Write "not stated" for anything missing.
[REQUEST]
Endorsement request summary
Summarize this policy change request in one line for the file: what changes, effective date, and which policy. Then list questions I should ask before sending it to the carrier.
Explain a deductible
Explain to a homeowner in under 100 words how a [AMOUNT] wind and hail deductible works, with one example. End by saying their declarations page has the exact terms.
Billing question
Draft a calm reply to a client confused about why their premium went up. Explain the common reasons in general terms and offer a call. Do not guess their specific reason.
Sales prompts
Prospect research
I am meeting the owner of a [INDUSTRY] business with [NUMBER] employees in [STATE]. List the eight exposures to ask about first and one plain question for each.
Discovery questions
Write ten open questions for a first meeting with a [INDUSTRY] owner that uncover how they would be hurt by a lawsuit, a fire, an injured worker or a lost key customer.
First-touch email
Write a 60-word first email to the owner of [BUSINESS TYPE] in [CITY]. Mention [SPECIFIC OBSERVATION]. Ask one yes or no question. No links, no exclamation marks.
Follow-up after a quote
Draft a follow-up to [CONTACT] three days after we sent a [LINE] quote. Restate the two things they said mattered most: [ITEMS]. Offer a 15 minute call. Under 90 words.
"Your price is too high"
A prospect says our quote is higher than their current policy. Write three questions that compare coverage, not price, and a short explanation of why limits and exclusions matter.
For the full playbook, see how to overcome objections when selling insurance.
Cross-sell note
Write a short note to a client who has [CURRENT POLICIES] with us. Explain in plain words what [MISSING COVERAGE] protects against and ask if they want a quick review.
Referral ask
Write a two-sentence referral ask to a happy client, [CONTACT], who just renewed. Make it easy to say no.
Life insurance prompts
Life marketing is regulated. Many states base their rules on the NAIC's model regulation on advertising life insurance and annuities. AI-written copy follows the same rules as yours. Get approval where your carrier requires it. This isn't legal advice.
Meeting prep
I am meeting a [AGE RANGE] couple with [NUMBER] kids and a mortgage. List the questions that help them work out how much life coverage they need. No product recommendations.
Term vs permanent, plainly
Explain the difference between term and permanent life insurance in under 150 words for someone with no financial background. No projections, no guarantees.
After the meeting
Draft a follow-up email summarizing what [CLIENT] told us they want to protect: [NOTES]. List the documents we need next. Under 120 words.
Beneficiary review
Write a short annual reminder asking clients to review their beneficiaries after life events like marriage, divorce, a birth or a death. Friendly, not alarming.
Marketing prompts
Social post
Write a 70-word post for local business owners about one thing they should check before signing a lease, from an insurance agent's view. Plain words, no hashtags.
Newsletter section
Write a 150-word newsletter section explaining why contractors get asked for certificates of insurance and what slows them down. End with how to request one from us.
FAQ answers
Write short answers to these five questions clients ask our agency: [QUESTIONS]. Each under 60 words. Never say something is always covered.
Reply to a review
Write a short, gracious reply to this online review. Do not mention any policy details or confirm the reviewer is a client.
[REVIEW]
Renewal prompts
Renewal heads-up
Draft a renewal email for a [LINE] client renewing on [DATE]. Ask them to confirm changes in [PAYROLL, REVENUE, VEHICLES, LOCATIONS, CLAIMS] by [DATE]. Under 150 words.
Changes questionnaire
Write a ten-question renewal questionnaire for a [INDUSTRY] client, each answerable in one line, ordered from easiest to hardest.
Compare two quotes
Put these two renewal quotes side by side in a table: carrier, premium, each limit, each deductible, key exclusions, endorsements. Mark every difference. Write "not shown" where a quote is silent.
Explain a premium increase
Draft a plain-English explanation of this renewal's premium increase using only these reasons: [REASONS]. Offer options to discuss. Under 150 words.
Non-renewal notice to the client
Draft a calm email telling [CLIENT] their carrier will not renew and that we are already shopping other markets. Ask for [ITEMS] by [DATE].
More on this job in using AI for insurance renewals.
Operations prompts
Notes into an SOP
Turn these notes into a step-by-step procedure a new CSR can follow. Number the steps. Mark any step where a licensed person must approve.
[NOTES]
Meeting notes into actions
From these notes, list each action item with owner and due date. Flag anything promised to a client.
Clean a schedule
Reformat this driver list into columns: name, date of hire, license state, violations in the last three years. Flag any row missing a field. Do not invent data.
New hire checklist
Write a first-week checklist for a new commercial lines account manager at an independent agency, grouped by day.
Plain policy summary for the file
Summarize this declarations page in a table: named insured, policy period, coverages, limits, deductibles. Copy numbers exactly as printed.
Make the prompts stick
Save your favorites somewhere the whole team can reach. A ChatGPT Project or a shared document works. Liberty Mutual's 2026 study found most AI use in agencies comes from individuals rather than agency-wide rollouts. Shared prompts are how you turn one person's trick into everyone's habit.
And when the prompt list gets long because the work is long, that's a sign. Certificates, applications and renewals are jobs, not prompts. Salience takes them: you forward the request, Salience prepares it and checks it against the policy, and nothing goes out until you approve it.
More tools and setups live on the AI tools shelf.
Give us a call
Hey, all the tech is great, and innovation is great. There's a lot of responsibility and liability across the entire space, and a lot of people are saying the same words that mean different things. Give us a call. We plug in specifically to your processes and take care of the GDS first to unlock you and bring home the bacon.
Call +1 (916) 866-7867 or book a walkthrough.
Would you rather approve this than type it?
Forward the request or the prior application. Salience prepares the form, flags what's missing, and nothing goes out until you approve it.
Frequently asked questions
What are the best ChatGPT prompts for insurance agents?
The ones that give context, a clear task, the input, the shape of the answer and a guardrail. Prompts that turn messy client emails into checklists and draft replies you then edit save the most time day to day.
Are there ChatGPT prompts for life insurance agents?
Yes: meeting prep, plain explanations of term and permanent coverage, follow-ups and beneficiary review reminders. Life marketing is regulated, so keep AI-written copy inside your carrier's and state's advertising rules and get it approved where required.
Do these prompts work in Claude and Copilot too?
Yes. They are plain-English instructions, so they work in Claude, Microsoft Copilot and other chat tools. Results vary a little between tools, so test the ones you use most on both.
What should I never put in a ChatGPT prompt?
Social Security numbers, license numbers, dates of birth, bank or card details, health information and claimant names. Replace names with placeholders like [INSURED] and keep client work on a business plan your agency controls.
Can ChatGPT write insurance sales scripts?
It can draft call openers, discovery questions and follow-up emails. Rewrite them in your own words, keep every coverage statement accurate, and follow your carrier and state rules on solicitation and advertising.