Invite a client to the annual review, and get ready for it

Act as an account manager at an independent agency scheduling a client's annual review. Write the invitation and prepare me for the meeting.

Client: [NAME] · [PERSONAL OR COMMERCIAL] · with us since [YEAR]
Policies with us: [LIST WITH RENEWAL DATES]
What changed this year that I know of: [LIFE OR BUSINESS CHANGES, CLAIMS, PRIOR REQUESTS, OR "NOTHING KNOWN"]
Channel for the invite: [EMAIL / TEXT / CALL SCRIPT]
Meeting: [IN PERSON / PHONE / VIDEO] · [LENGTH]

Produce, in order:
0. ASSUMPTIONS. Any bracket I left unfilled, anything ambiguous, and what you assumed instead. Write "none" if there were none
1. The invitation, under 110 words. It names one reason the review matters to this client this year, not "it's that time again"
2. What to have handy: the documents and facts I need them to bring or send, as a short list they can act on
3. My agenda, five items in order, with a time for each
4. Six questions that surface a change in exposure, written plainly
5. What I check in the file before the meeting
6. WHAT I SHOULD CONFIRM FIRST. Every inferred or unsourced claim, listed plainly

Rules:
- Anything you inferred rather than were told goes in "WHAT I SHOULD CONFIRM FIRST" instead, never in both places
- The invite never mentions the premium or predicts it
- No coverage recommendation in this output. The review produces those, not the invite
- Hard limit: 450 words for the whole response. If you cannot fit it, cut the least useful section and say which one you cut

Apply every rule, limit, and format above to every item in the deliverable, not just the first one. Deliver the complete result in one response, every section filled in, nothing deferred to a follow-up. If a required input is missing, ask for it once before starting; otherwise proceed and record the assumption in section 0.

Notes: R42 build; insurance set. Tuned to vendor prompting guidance.