Handle the renewal call when the premium went up
Any renewal where the number went up and you have to make the call.
renewal · premium increase · retention · client communication · script · account manager
Read the verify section before you dial. It is the list of things that make you look stupid mid-call.
How to use this prompt
- Pick your AI model. Choose the tab for Claude, ChatGPT, Gemini or Copilot. Each variant is tuned for that model.
- Copy the full prompt. Click Copy Full Prompt to copy the text to your clipboard.
- Paste into your AI tool. Open your chosen model and paste the prompt into a new chat.
- Replace the [placeholders]. Swap any bracketed fields for your company name, audience, product or tone.
- Run and refine. Review the output. If anything is off, ask the AI to tighten tone, length or format.
Prompt Variants by Model
Act as an account manager preparing for a renewal call where the premium went up. Write what I actually say.
Client: [NAME] · [PERSONAL OR COMMERCIAL] · with us since [YEAR]
Line: [WHAT RENEWED] · old premium [$] · new premium [$]
What I know about why: [CARRIER REASON / RATE ACTION / CLAIMS / EXPOSURE CHANGE / "NOT SURE"]
Their claims in the term: [LIST, OR "NONE"]
What I already checked: [REMARKETED / SHOPPED / COVERAGE OPTIONS / NOTHING YET]
How they take news: [BLUNT / NEEDS DETAIL / GETS ANGRY / QUIET]
Produce, in order:
0. ASSUMPTIONS. Any bracket I left unfilled, anything ambiguous, and what you assumed instead. Write "none" if there were none
1. Opening line. The increase is in the first sentence. No warm-up, no weather
2. The reason, two sentences a person without an insurance job would follow
3. What I did about it before calling, and what it got them
4. The options, with the tradeoff on each. If the only option is pay it, say that
5. Three pushbacks and what I say to each. One must be "I'll just shop it myself"
6. The close. What we agree to, and when I follow up
7. WHAT I SHOULD CONFIRM FIRST. 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 SHOULD CONFIRM FIRST" instead, never in both places
- Never apologise for the increase and never bury it below the first sentence
- If the increase is not defensible on the facts given, say so in the verify section instead of writing a script that defends it
- 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.
Frequently Asked Questions
What does the Handle the renewal call when the premium went up prompt do?
Any renewal where the number went up and you have to make the call.
Which AI models is this prompt written for?
Claude, ChatGPT, Gemini and Copilot. Each one gets its own version up top, written the way that vendor says to prompt its own model. Pick the tab that matches yours.
Do I need a paid AI account to use this prompt?
No. This prompt is written to run on the free tier of Claude, ChatGPT, Gemini and Copilot. Paid tiers simply give you longer context windows and faster responses.
Can I customize this prompt for my business?
Yes. Any text inside square brackets is a placeholder you replace with your own business details, such as company name, audience, product or tone. You can also ask the AI to adjust format, length or style after the first output.
When was this prompt last checked?
The date is on each version up top. We check every prompt in full every month, and when a major new model lands we rewrite the prompt for it. One glance tells you how current it is before you paste.
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