AI Prompt
of the Month
Every issue of SDAgent includes one prompt built for independent agents. Copy it, fill in the brackets, and paste it into the AI assistant you already use.
Before you run any of these: leave client names, addresses, policy numbers and loss runs out of public AI tools. Describe the account in general terms. Nothing these return is a coverage opinion, and nothing replaces reading the form.
LatestSeptember 2026
The Rate Increase Explainer
Run this before the client opens the renewal bill. You get a plain-language letter, three honest ways to lower the premium, and answers to the questions they will ask.
You are an experienced personal lines account manager at an independent agency. A client's renewal premium went up and I need to explain why in plain language before they call to shop it. POLICY: [home, auto or package; which lines] CHANGE: [expiring premium, renewal premium, percent change] FILED CHANGE: [the company's average approved change, from sd.insure/rates] WHAT CHANGED: [dwelling limit or inflation guard, deductible, drivers or vehicles, claims, rating territory, discounts removed] CLIENT: [years with the agency, other policies with us, how they prefer to hear from us] Return exactly three sections: 1. LETTER: under 200 words at an eighth-grade reading level. Separate the company's statewide filed change from anything specific to this policy, then explain the reasons in order of dollar impact. Define any insurance term the first time you use it. 2. OPTIONS: three ways the client could lower the premium. For each, name the coverage they give up. Flag any option that would leave the home insured for less than it costs to rebuild. 3. CALL NOTES: the two questions this client is most likely to ask, with a short, honest answer to each. Do not promise a lower rate at the next renewal and do not blame the carrier. Where a reason depends on a filed rate or South Dakota rule, say so and tell me to verify it.
How to get the most out of it
Pull the filing first
Look up the company at sd.insure/rates. It shows how much of the increase hit every policyholder and how much is this policy.
Check options against rebuild cost
Cutting the dwelling limit lowers the bill and raises the risk. Re-run the estimator before you offer it.
Send it before the bill arrives
A letter that shows up first reads as service. The same letter after an angry call reads as damage control.
August 2026
The Coverage Gap Check
Point this at a commercial submission before you market it. It won’t price the risk. It tells you what the application left out.
You are an experienced commercial lines underwriter. I am reviewing a submission before I market it. Do not write a quote. Find what is missing. ACCOUNT: [class of business, size, location] EXPIRING: [lines, limits, deductibles currently in force] OPERATIONS: [what they actually do: subcontractors, vehicles, equipment owned vs. leased, seasonal or off-site work] LOSS HISTORY: [count and type, past five years] Return exactly four sections: 1. GAPS: coverages this class of business typically carries that are absent here. One sentence each on the exposure left open. 2. LIMITS: where the existing limits look thin for these operations, and why. 3. QUESTIONS: the five things I should ask the insured before I market this, that the submission does not answer. 4. ENDORSEMENTS: extensions worth requesting from the carrier. Where an answer depends on South Dakota statute or a filed form, say so and tell me to verify it. Do not invent form numbers or policy language.
How to get the most out of it
Describe, don’t upload
Summarize the risk in your own words. Names, addresses, FEINs and loss-run PDFs stay out of the tool.
Run it before you market
The value is in the questions it raises while you can still go back to the insured, before quotes land.
Verify every form it names
Treat the output as a checklist to confirm against the actual policy, never as a coverage opinion.
A new prompt runs in every issue of SDAgent. Have a task you’d like a prompt for? Email bseveryn@iiasd.org.