Insurance Vertical Sample Prompts¶
This file collects seven end-to-end prompts used by insurance operators to exercise the insurance persona pack shipped in FCC v1.2.0+. The prompts span the policy lifecycle from quote-to-bind through claims triage, reserve analysis, reinsurance treaty negotiation, and regulatory capital reporting under Solvency II and IFRS 17.
All prompts assume the rich schema v2 personas with full nested R.I.S.C.E.A.R. and route through the standard FCC workflow (Find -> Create -> Critique).
Personas Used¶
| Persona ID | Full Name | Category | Role in Prompts |
|---|---|---|---|
| UWSP | Underwriter Specialist | insurance | Risk selection, pricing, binding decisions |
| CAR | Claim Adjuster Reviewer | insurance | Triage, coverage determination, reserve setting |
| AAP | Actuarial Assurance Partner | insurance | Reserve reviews, IBNR, loss development |
| RMP | Risk Management Partner | insurance | ERM, ORSA, risk appetite monitoring |
| RSP | Reinsurance Specialist | insurance | Treaty and facultative placement, retrocession |
| IPO | Insurance Policy Orchestrator | insurance (champion-style) | Cross-persona coordination across policy lifecycle |
Prompt 1: Policy Drafting under ACORD XML¶
Audience: Professional Difficulty: intermediate Personas: UWSP, IPO
Context¶
A commercial lines underwriter needs to draft a new small-business BOP (Business Owners Policy) using an ACORD 125/140 submission.
Prompt¶
Act as UWSP coordinated by IPO. I am submitting an ACORD 125 application for
"Harborline Bakery LLC," a single-location artisan bakery with $1.8M annual
receipts and 14 FTEs in Portland, ME. Attached are loss runs for the prior
five policy years (zero reportable losses).
In the Find phase, identify:
1. Coverage elements required (BPP, BI, GL, hired/non-owned auto endorsement).
2. ACORD data fields that must map to our policy admin schema.
3. Any class-code mismatches against ISO CGL 2025 edition.
In the Create phase, draft:
- A policy jacket with limits $2M/$4M, $1M BI with 12-month ALS.
- A declarations page with all mandatory state-specific endorsements for ME.
- Three pricing options at target, stretch, and walk-away loss ratios.
In the Critique phase, list five questions an auditor would ask, two
underwriting red flags to re-verify, and the single biggest reason this
risk might be declined by reinsurance.
Expected Output¶
- ACORD field map with coverage identifiers
- Policy jacket draft referencing ISO class codes
- Pricing table with three LR targets
- Prioritized critique list
Variations¶
- Swap ME for a coastal FL risk and require named-storm exclusions
- Add a scheduled property endorsement and rerun pricing
Prompt 2: Claims Triage and Coverage Determination¶
Audience: Professional Difficulty: beginner
Personas: CAR, IPO
Context¶
A new FNOL (First Notice Of Loss) arrives for a commercial auto rear-end collision with three alleged bodily injury claimants.
Prompt¶
You are CAR working under IPO orchestration. Process this FNOL:
- Policy: CA-2026-00881 (commercial auto, $1M CSL)
- DOL: 2026-03-18, Route 2 Cambridge MA
- Insured vehicle: 2023 Ford Transit, driver = insured employee
- Three claimants in struck vehicle; one ambulance transport to MGH
Find: map the facts to policy provisions (Part A liability, Part B med pay,
Part D UIM). Identify any coverage questions or reservation-of-rights
triggers.
Create: draft (a) initial indemnity reserves per claimant using the
firm's severity buckets, (b) an ALAE reserve, and (c) a 30/60/90-day
action plan including ISO ClaimSearch and MVR pulls.
Critique: what three things could push this from a routine claim to
a large-loss referral? What subrogation opportunities exist?
Expected Output¶
- Coverage grid per claimant
- Reserve worksheet with severity bucket rationale
- Action plan with milestones
Tips¶
- Ground the reserves in the carrier's historical severity curve, not abstract averages.
Prompt 3: Reserve Analysis and IBNR Walk¶
Audience: Professional Difficulty: advanced Personas: AAP, CAR
Context¶
Quarterly reserve review for a GL long-tail book.
Prompt¶
AAP leads; CAR supports. Using the attached triangle (accident years
2016-2025, evaluated at 2026Q1), produce:
Find: paid and incurred development factors, tail factor estimate,
and an age-to-age exhibit. Identify any distorted cells.
Create: pick an ultimate via (a) paid LDF, (b) incurred LDF, (c) BF
with prior a priori 62% LR. Reconcile to a selected ultimate and
compute IBNR.
Critique: run two sensitivity tests (+/- 5% tail, +/- 10% prior LR)
and identify the single accident year with the highest reserve risk.
Flag anything CAR should re-examine at the claim level.
Expected Output¶
- LDF exhibit and tail estimate
- Three-method ultimate selection with reconciliation
- IBNR calculation and sensitivities
Prompt 4: Reinsurance Treaty Review¶
Audience: Professional Difficulty: advanced Personas: RSP, AAP, RMP
Context¶
Annual property cat XoL treaty renewal.
Prompt¶
RSP drives the Create phase; AAP and RMP critique.
Find: extract treaty structure from the broker slip - retention, limit,
reinstatements, hours clause, territorial scope, exclusions, profit
commission, brokerage.
Create: build a comparison table across three quoting markets, compute
ROL at each layer, and recommend the optimal placement considering
capital relief under Solvency II.
Critique: AAP to challenge the loss-on-line assumptions; RMP to opine
on whether the placement meets the firm's risk appetite statement and
ORSA stress scenarios.
Expected Output¶
- Slip summary
- Market comparison with ROL and capital efficiency
- Dual critique from actuarial and ERM lenses
Prompt 5: Solvency II SCR Calculation¶
Audience: Professional Difficulty: advanced Personas: AAP, RMP
Context¶
Standard Formula SCR computation for year-end reporting.
Prompt¶
Walk through the Solvency II Standard Formula SCR for a mid-sized
non-life insurer with GWP 420M EUR split 55% property, 30% motor,
15% liability. Use the EIOPA 2026 parameters.
Find: identify which sub-modules apply (non-life underwriting, market,
counterparty default, operational).
Create: compute each sub-module SCR, the correlation-adjusted BSCR,
and the final SCR after operational add-on and adjustment for LAC DT.
Critique: list the top three levers management could pull to reduce
SCR without reducing risk appetite, and note any model interpretations
EIOPA has challenged in peer reviews.
Expected Output¶
- Sub-module computations
- BSCR correlation matrix application
- Final SCR with commentary
Prompt 6: IFRS 17 CSM Walkthrough¶
Audience: Professional Difficulty: advanced Personas: AAP, IPO
Context¶
Contractual Service Margin roll-forward for a GMM life cohort.
Prompt¶
Produce an IFRS 17 CSM roll-forward for a 2025 annual cohort of
participating whole-life contracts under the General Measurement Model.
Find: starting CSM, locked-in discount rate, coverage units, fulfillment
cashflow assumptions.
Create: tabulate the six CSM movement components (interest accretion,
new business, experience adjustments relating to future service,
changes in non-financial assumptions, release to P&L, FX), and
calculate end-of-period CSM.
Critique: flag any amounts that should instead flow through the loss
component, and explain the auditor's likely first three questions.
Expected Output¶
- CSM roll-forward exhibit
- Release-pattern rationale
- Auditor Q list
Prompt 7: End-to-End Policy Lifecycle Orchestration¶
Audience: Professional Difficulty: advanced Personas: IPO + all insurance personas
Prompt¶
IPO orchestrates a full FCC cycle for a new specialty cyber policy
product launch: UWSP defines risk appetite and rating plan; AAP
prices via GLM; RSP places a 70% QS; RMP confirms ORSA capacity;
CAR designs the incident-response claim playbook.
Produce a single integrated deliverable (pricing, capital, claims)
with a critique section listing the three biggest go/no-go risks.
Expected Output¶
- Integrated product launch package
See Also¶
docs/personas/insurance packdocs/tutorials/sample-prompts/vertical-finance-prompts.md- Guidebook Chapter 16 (Vertical Extensions)