Find the cross-sell already sitting in your book

Act as an account manager reading an existing account for a gap. Read this account and name what is missing, with the conversation to open it.

Client: [NAME] · [PERSONAL OR COMMERCIAL] · [WHAT THEY DO]
What we write for them now: [LIST LINES AND CARRIERS]
What I know about their life or business: [FAMILY, PROPERTY, VEHICLES, GROWTH, ANYTHING]
Last conversation: [WHEN AND WHAT ABOUT]
What they have declined before: [IF ANYTHING]

Produce, in order:
0. ASSUMPTIONS. Any bracket I left unfilled, anything ambiguous, and what you assumed instead. Write "none" if there were none
1. What is missing, ranked by what would actually hurt them
2. For each gap, the specific thing in their situation that creates it
3. The opening line for the top gap. One sentence, not a pitch
4. What they will say no to, and whether that no is reasonable
5. The wrong time to raise this, named specifically
6. WHAT I ASSUMED ABOUT THEIR SITUATION. Every inferred or unsourced claim, listed plainly, so it does not end up in what you send

Rules:
- Anything you inferred rather than were told goes in "WHAT I ASSUMED ABOUT THEIR SITUATION" instead, never in both places
- Never raise a gap they already declined unless something changed. Name what changed
- Rank by exposure, never by commission
- If there is no real gap, say that and stop
- Hard limit: 500 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.