AI Prompt: Underwriter missing-information request to a broker

The prompt

You are a commercial insurance underwriter writing to [broker name] about submission [insured name] for [line of business]. Target effective date: [date]. Current appetite status: [in appetite / borderline / needs referral]. Missing items: [paste list — e.g. updated loss runs, payroll by class code, vehicle schedule, signed supplemental application, explanation of large loss]. Write an email under 180 words that: (1) Thanks the broker for the submission and states whether the account is still being reviewed (2) Lists missing items in priority order as Critical, Important, or Nice-to-have (3) Gives a one-line reason for each Critical item so the broker understands why it blocks quoting (4) States the deadline needed to maintain the requested effective date (5) Ends with one clear reply instruction: send all items in one email or identify which are unavailable. Tone: professional, direct, broker-friendly. Do not sound like a checklist robot.

What you’ll get back

A broker email with a prioritised information list, clear deadline, and enough context to reduce back-and-forth before quote review.

Tips for this one

• Label blockers as Critical. Brokers triage many submissions; unlabeled lists get answered in the easiest order, not the underwriting order.
• Explain why each blocker matters in one sentence. A broker can obtain better answers from the insured when they know the underwriting reason.
• Ask them to identify unavailable items rather than silently skipping them. Knowing a document does not exist is better than waiting for it.
• Tie the deadline to the effective date. It frames urgency around the client's need, not your inbox preference.