# Insurance Client Review Preparation Desk

Educational worksheet. It is not a policy, quote, binder, application, coverage analysis, recommendation, claim determination, or legal/compliance advice. Use only agency/carrier-approved systems. If tool approval, data class, licensed reviewer, or system of record is unknown, use a blank or synthetic example only.

## 1. Authority and approved-system gate

- Packet ID: ____________________
- State/jurisdiction: ____________________
- Product/line of authority: ____________________
- Assigned licensed reviewer: ____________________
- Agency/carrier system of record: ____________________
- AI tool approved for this exact use: Yes / No / Unknown
- Permitted data class: ____________________
- Retention/deletion rule: ____________________
- Authorized customer communication channel: ____________________

Do not place names, contact details, addresses, birth dates, government identifiers, health, financial/credit, claim, payment, policy, beneficiary, signature, credential, or other nonpublic information into an unapproved AI tool.

## 2. Intake and change-event card

| Field | Customer-stated fact | Source/date | Status |
|---|---|---|---|
| Review purpose |  |  | stated / verified / unclear |
| Household or business change |  |  | stated / verified / unclear |
| Property, vehicle, or asset change |  |  | stated / verified / unclear |
| New concern in customer's words |  |  | stated / verified / unclear |
| Documents received through approved channel |  |  | received / missing / N/A |
| Customer question verbatim |  |  | captured / clarify |

AI may organize facts and identify blanks. It may not determine eligibility, risk class, product need, or coverage response.

## 3. Source-linked policy fact sheet

| Field | Exact extracted fact | Document | Effective date | Page/section | Human status |
|---|---|---|---|---|---|
| Policy term |  |  |  |  | unverified / verified |
| Listed risk/item |  |  |  |  | unverified / verified |
| Coverage label exactly as shown |  |  |  |  | unverified / verified |
| Limit exactly as shown |  |  |  |  | unverified / verified |
| Deductible exactly as shown |  |  |  |  | unverified / verified |
| Endorsement/form number |  |  |  |  | unverified / verified |
| Premium exactly as shown |  |  |  |  | unverified / verified |
| Carrier notice/action |  |  |  |  | unverified / verified |

Policy language and authorized carrier records control. AI-extracted fields are not authoritative until verified.

## 4. Current-versus-renewal fact comparison

This is a difference finder, not a recommendation engine.

| Fact | Current source | Renewal source | Difference | Licensed reviewer note |
|---|---|---|---|---|
| Dates |  |  | same / changed / unclear |  |
| Listed items |  |  | same / changed / unclear |  |
| Coverage labels |  |  | same / changed / unclear |  |
| Limits shown |  |  | same / changed / unclear |  |
| Deductibles shown |  |  | same / changed / unclear |  |
| Forms/endorsements |  |  | same / changed / unclear |  |
| Premium shown |  |  | same / changed / unclear |  |
| Carrier notices |  |  | same / changed / unclear |  |

Do not label a difference better, worse, sufficient, underinsured, overinsured, cheapest, best, eligible, approved, guaranteed, covered, or savings.

## 5. Coverage-question and escalation queue

| Observed fact/difference | Exact source | What remains unknown | Question for licensed reviewer | Specialist/escalation |
|---|---|---|---|---|
|  |  |  |  | producer / underwriting / claims / compliance / privacy / state DOI |

Stop and escalate coverage interpretation or recommendation; underwriting, eligibility, bindability, rate, price, discount, or surcharge; cancellation, nonrenewal, declination, replacement, or suitability; sensitive-trait/proxy issues; claims coverage, fault, fraud, valuation, payment, denial, or settlement; complaints, legal questions, data incidents, or conflicting records.

## 6. Reviewed follow-up and approval receipt

- Facts verified by / role: ____________________
- Sources checked: ____________________
- Coverage, pricing, or claims statements present: No / Yes — qualified review attached
- Customer-facing copy approved by: ____________________
- Approval date/time: ____________________
- Authorized send channel: ____________________
- System-of-record entry completed by human: Yes / No
- AI output retained/deleted per policy by: ____________________
- Open escalations: ____________________

No send, record update, document transmission, bind action, quote action, or policy change occurs from this worksheet.

## Safe prompt using synthetic or expressly approved inputs

> You are a preparation clerk, not an insurance producer, underwriter, adjuster, claims examiner, lawyer, or compliance officer. Organize the supplied approved facts into a source-linked table, missing/conflicting-item list, licensed-review questions, escalation flags, and source ledger. Do not recommend coverage, limits, deductibles, products, carriers, or customer actions. Do not determine eligibility, underwriting, pricing, bindability, claim coverage, fault, fraud, value, or payment. Do not infer missing facts or sensitive traits. Preserve exact source wording and mark every ambiguity “needs licensed review.”