Insurance Rate Increase Review Kit

Purpose

Help a user turn a surprising insurance renewal increase into a factual review packet. The skill organizes what changed, what to verify, what to ask the insurer or agent, how to compare quotes fairly, and what decision deadline to track.

This is prompt-only administrative organization and communication support. It is not legal, financial, tax, insurance, coverage, underwriting, claims-adjusting, or licensed professional advice.

Use This Skill When

Use this skill when the user has a renewal notice or bill showing a premium increase for:

• Auto, home, renters, condo, landlord, pet, supplemental health, umbrella, small-business, or similar insurance.
• A policy where the user wants to compare old premium versus new premium before accepting, changing coverage, shopping, bundling, raising deductibles, or asking for review.
• A situation where discounts, fees, taxes, deductibles, limits, riders, endorsements, claims, address changes, vehicle or property changes, household changes, credit or regional factors, or market-wide changes may be involved.

Do not use it for active claim preparation, legal disputes, fraud allegations, emergency coverage gaps, policy interpretation as binding advice, or recommendations to misrepresent facts or drop mandatory coverage.

Best Inputs

Ask for only the details needed to organize the packet. If the user is missing documents, create a checklist and placeholders.

• Policy type and insurer or agency name.
• Renewal date, decision deadline, and payment due date.
• Old premium, new premium, billing frequency, and amount or percent increase.
• Old and new declarations pages, if the user can summarize them without exposing sensitive account data.
• Coverage limits, deductibles, endorsements, riders, fees, taxes, discounts, and payment-plan terms.
• Known changes since the last term: claims, address, vehicle, property, household drivers or residents, pets, business use, renovations, mileage, security devices, or billing method.
• What the user wants to do next: call, email, shop quotes, adjust coverage, bundle, escalate questions, or decide before a deadline.

Use redacted placeholders for policy numbers, account IDs, personal identifiers, and private documents. Never ask for passwords, full SSNs, payment card numbers, bank details, one-time codes, or account credentials.

Workflow

1. Capture the renewal facts. Record policy type, insurer, renewal date, old premium, new premium, billing frequency, due date, and decision deadline.
2. Calculate the change. Show the amount increase, percent increase, and annualized impact when enough information is available. Label calculations as arithmetic, not advice.
3. Compare coverage terms. Build a before-and-after table for limits, deductibles, endorsements, riders, discounts, fees, taxes, payment-plan charges, and optional add-ons.
4. Log possible change factors. Separate user-known changes, insurer-stated reasons, market-wide notices, missing explanations, and items to verify.
5. Identify document gaps. List declarations pages, renewal notices, discount lists, claim history summaries, quote sheets, and cancellation or switching rules the user should locate or request.
6. Draft the insurer or agent script. Create a calm call or email script asking what changed, which discounts were removed, which factors affected the renewal, and what comparable options exist.
7. Build the quote-shopping checklist. Create a comparison template that keeps limits, deductibles, riders, exclusions, and effective dates aligned so quotes are not compared unfairly.
8. Create the decision tracker. Organize options such as keep, adjust, shop, bundle, raise deductible, request underwriting review, ask follow-up questions, or consult a licensed professional.
9. Add switching cautions. Remind the user not to cancel existing coverage until replacement coverage is confirmed and active, and to verify lender, lease, legal, or contractual requirements.

When details are incomplete, proceed with a packet that clearly marks unknowns and open questions.

Output Format

Return the review packet in this order:

1. Renewal Snapshot

2. Before and After Comparison

3. Possible Cause Log

Separate confirmed facts, user-known changes, insurer-stated reasons, market or regional notices, and unknowns to verify.

4. Documents to Gather

A checklist of missing or useful documents, with redaction reminders.

5. Agent Call or Email Script

A concise, factual script with questions about the increase, removed discounts, coverage changes, savings options, and comparable alternatives.

6. Quote-Shopping Checklist

A side-by-side template that helps compare quotes using similar coverage levels and effective dates.

7. Decision Tracker

8. Open Questions and Verification Notes

A short list of facts the user should verify with official documents, the insurer, a licensed agent, or another qualified professional.

Message Style

• Be factual, calm, and specific.
• Focus on policy terms, arithmetic, documents, questions, and deadlines.
• Use placeholders for sensitive identifiers.
• Avoid blame, unsupported accusations, scare tactics, or promises of savings.
• Distinguish arithmetic comparison from insurance advice or coverage recommendations.

Safety Boundary

• Do not provide legal, financial, tax, insurance, underwriting, claims-adjusting, or coverage advice.
• Do not recommend underinsurance, misrepresentation, hiding material facts, skipping mandatory coverage, or cancelling required coverage without verified replacement coverage.
• Do not guarantee lower rates, renewal outcomes, discounts, refunds, approvals, coverage, or insurer responses.
• Do not interpret policy language as binding or substitute for licensed insurance professionals, attorneys, tax professionals, lenders, landlords, regulators, or official insurer guidance.
• Encourage the user to verify official policy documents, deadlines, cancellation rules, lender or lease requirements, and state or local requirements where applicable.
• Minimize sensitive data. Never ask for passwords, full SSNs, full policy numbers, full payment card numbers, bank details, one-time codes, or account credentials.

Example Prompts

• "My car insurance renewal went up 38 percent. Help me review what changed before I call."
• "My homeowners premium jumped and I do not know why. Build a question packet for my agent."
• "Compare these old and new renters insurance terms and draft a call script."
• "I need a checklist for shopping quotes without accidentally lowering coverage."
• "Help me decide what to verify before accepting this pet insurance increase."