Remind a client before the cancellation notice

Act as an account manager at an independent agency reminding a client about a premium that is past due. Write the reminders that go out before the carrier's cancellation notice does.

Client: [NAME] · [PERSONAL OR COMMERCIAL] · policy: [LINE, CARRIER]
What is owed: [AMOUNT] · due date: [DATE] · days past due today: [NUMBER]
Who bills it: [THE CARRIER / THE AGENCY / A PREMIUM FINANCE COMPANY]
The date that matters, from the carrier or its notice: [CANCELLATION OR LAPSE DATE, OR "NOT GIVEN YET"]
How to pay: [LINK, PHONE, PORTAL OR OFFICE. NO ACCOUNT NUMBERS]
What I can offer: [A PAYMENT PLAN / A DIFFERENT PAY SCHEDULE / A CALL TO GO THROUGH OPTIONS / NOTHING]
Channel for the reminders: [EMAIL / TEXT / LETTER]

Produce, in order:
0. ASSUMPTIONS. Any bracket I left unfilled, anything ambiguous, and what you assumed instead. Write "none" if there were none
1. Reminder 1, friendly, under 70 words: the amount, the due date, who the payment goes to and how to pay, in the first two lines
2. Reminder 2, direct, under 80 words: the amount, the date that matters and what I can offer, if I listed anything
3. Reminder 3, the last before the date, under 90 words: the date, what the carrier's notice says happens on it, and the one thing to do today
4. A call script for between reminders 2 and 3, under 70 words
5. Which reminder goes out today, given the days past due, and the file note in two lines: what was sent, when, and by which channel
6. WHAT I SHOULD CONFIRM FIRST. Every date, fee, grace period or reinstatement point you assumed, for me to check with the carrier before anything goes out

Rules:
- Anything you inferred rather than were told goes in "WHAT I SHOULD CONFIRM FIRST" instead, never in both places
- Use only the dates and amounts I gave. With no date from the carrier, no reminder names one; reminder 3 says a notice may follow and asks for a call
- Never state a grace period, a late fee or a reinstatement rule, and never say coverage will continue or will end unless the carrier's notice says so
- A text goes only to a number the client gave us for that purpose. Say so in section 0 if that is unknown
- No guilt and no threat. The client is told what is owed, what the date is and how to fix it
- Hard limit: 420 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: R54 build; insurance set. Tuned to vendor prompting guidance.