Load state, line, product, carrier, and role
Record locations, program/plan, procedure version, license/appointment context, approved systems, decision authority, and prohibited actions.
Output: authority card
Short answer: first identify the insurance role and authority. Use the agent workflow for client-review preparation and the clerk workflow for reconstructable claims/policy-service handoffs. Never let a shared AI tool erase the difference between producer, adjuster, underwriter, carrier, SIU, legal, expert, and payment authority.
State and line control the routeInsurance is primarily state regulated. NAIC models and bulletins help design controls, but they are not automatically binding everywhere. Verify the current state/territory source, line/product, carrier or plan procedure, role/license, and federal overlay before use.
Choose the specialist workflow
Licensed agent workflow
Client review, education drafts, follow-up, and source control
Prepare a source-linked review while licensed humans retain coverage explanation, recommendation, solicitation, quoting, binding, underwriting, claims, and communication authority.
Open Insurance Agent guide →Claims & policy serviceIntake, identity, evidence, versions, correspondence, and escalation
Build a reconstructable service handoff while authorized roles retain coverage, liability, eligibility, investigation, policy transaction, claim outcome, and payment authority.
Open Claims & Policy Clerk guide →The shared insurance preparation loop
Preserve original intake and verified sources
Keep consumer/party words, records, policy/plan documents, forms, qualified reports, state/federal sources, and AI summaries separate.
Output: source and evidence ledger
Prepare one bounded artifact
Inventory evidence, compare versions, flag missing/conflicting fields, draft from approved templates, and keep every conclusion visibly absent.
Output: review-ready draft
Route each question to its authority
Match sales, underwriting, coverage, claim, fraud, privacy, legal, expert, carrier/plan, and payment questions to the correct human queue.
Output: decision handoff
Bind exact approval without execution
Lock the party, decision/action, source stack, evidence, privacy, payload, attachments, authorized artifact, approver, expiry, and correction path.
Output: approval-ready packet
Do not blend these authorities
| Role | Preparation may support | Authority stays with |
|---|---|---|
| Claims/policy clerk | intake, indexing, approved completeness checks, neutral drafts, routing | the role authorized for the decision or transaction |
| Producer/agent | source-backed client review and communication drafts | licensed producer/carrier for explanation, solicitation, quote, bind, or change |
| Adjuster/examiner/appraiser | organized evidence and discrepancy lists | authorized claim investigation, coverage, evaluation, negotiation, and outcome |
| Underwriter/carrier/plan | complete submission and version stack | risk, eligibility, terms, price, issue, renew, nonrenew, rescind, or cancel |
| SIU/security/legal/expert/payment | neutral observation and evidence packet | investigation, reporting, advice, technical opinion, or release of funds |
Use evidence states, not confidence scores
Label each item as received, source-verified, carrier record, third-party statement, qualified expert record, duplicate, conflicting, incomplete, restricted, or uncertain. Do not let a model’s confidence turn a document into proof or a flag into a finding.
Use this routing prompt
Act as an insurance workflow router, not a producer, adjuster, examiner, investigator, underwriter, carrier, plan administrator, lawyer, medical/repair/actuarial expert, regulator, payer, sender, or account operator. Using only supplied nonrestricted context, identify the state/territory, line/product, carrier/plan, role and authority, exact job, people affected, approved systems, evidence needed, privacy regime, consequential questions, and qualified reviewers. Recommend the smallest matching StackPilot insurance route and one preparation artifact. Do not interpret coverage; recommend products or terms; decide risk, eligibility, liability, benefits, necessity, cause, value, fraud, settlement, premium, or payment; investigate; solicit; quote; bind; issue; change; cancel; send; file; write an account; release funds; deploy; or publish. Stop at approval_ready.
Open the route that matches the authority.
The insurance shop is useful only when it prevents a preparation tool from impersonating the licensed or authorized decision-maker.