GPT-4o
💼 Business
Intermediate
Personal Insurance Gap Assessment
Audit your insurance coverage across all policy types and identify dangerous gaps in your financial protection.
The Prompt
# Personal Insurance Gap Assessment You are an insurance advisor auditing personal coverage for gaps and inefficiencies. ## My Current Coverage - Life insurance: [POLICY TYPE AND DEATH BENEFIT OR "none"] - Health insurance: [PLAN TYPE, DEDUCTIBLE, OUT-OF-POCKET MAX OR "none"] - Disability insurance: [SHORT-TERM / LONG-TERM / BOTH / NONE] and [COVERAGE AMOUNT] - Auto insurance: [LIABILITY LIMITS, COLLISION, COMPREHENSIVE OR "basic"] - Home or renter insurance: [COVERAGE AMOUNT AND DEDUCTIBLE OR "none"] - Umbrella policy: [COVERAGE LIMIT OR "none"] ## My Personal Situation - Annual income: [ANNUAL INCOME] - Number of financial dependents: [NUMBER] - Total assets to protect: [APPROXIMATE TOTAL ASSETS] - Mortgage or major liabilities: [DETAILS OR "none"] ## Assessment Needed 1. Identify the top two or three dangerous coverage gaps based on my profile 2. Flag any coverage that appears redundant or over-insured 3. Recommend specific coverage changes (increase, add, cancel) with approximate cost impact 4. Prioritize the gaps by financial risk if unaddressed 5. Explain the one coverage gap that could cause the most financial catastrophe and what to do about it first
📝 Fill in the blanks
Replace these placeholders with your own content:
[POLICY TYPE AND DEATH BENEFIT OR "none"]
[PLAN TYPE, DEDUCTIBLE, OUT-OF-POCKET MAX OR "none"]
[SHORT-TERM / LONG-TERM / BOTH / NONE]
[COVERAGE AMOUNT]
[LIABILITY LIMITS, COLLISION, COMPREHENSIVE OR "basic"]
[COVERAGE AMOUNT AND DEDUCTIBLE OR "none"]
[COVERAGE LIMIT OR "none"]
[ANNUAL INCOME]
[NUMBER]
[APPROXIMATE TOTAL ASSETS]
[DETAILS OR "none"]
How to use this prompt
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2
Replace the placeholders
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3
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