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AI agent for financial advisors

Insurance Coverage Gap Review Agent

A coverage versus needs review with gaps listed

Risk managementAnalysisFinance
See how it worksGet access
Insurance Coverage Gap Review Agent: what goes in, what the agent does and what you get

What it does

Clients often carry the wrong amount of insurance, or name an ex-spouse as beneficiary, without anyone noticing for years. Once a year this agent reviews each client's coverage. It reads policy documents for life, disability, long-term care and umbrella coverage and lists amounts, terms and beneficiaries. If a policy document is missing or unreadable, it requests it and checks again when it arrives. It calculates the client's needs from income, debts, dependents and goals in the plan, compares coverage to needs, and lists gaps and overlaps. Gaps over $100,000 and outdated beneficiaries are marked urgent. It drafts talking points for the advisor. The advisor decides what to recommend. Edge case: a term policy expires in two years while the youngest child is 12, so the agent flags the term gap.

How it works

Follow the arrows from top to bottom. The orange dashed arrow is the loop: when a check fails, the agent goes back and tries again.

Start and resultWhat it doesA check on its own workWaits for your OKGoes back and retries
Yes, continueApprovedNo 1 STARTS WHEN Annual insurance review 2 USES A TOOL Read policy documents 3 CHECKS THE RESULT Are all policies on file and readable? If not: request missing policies and re-read. Back tostep 2. 4 DOES Calculate coverage needs 5 DOES Compare coverage to needs 6 YOU APPROVE Advisor decides recommendations 7 RESULT Coverage review and talking points
Read the steps as a list
  1. Annual insurance review
  2. Read policy documents
  3. Are all policies on file and readable?If not: request missing policies and re-read. Back to step 2.
  4. Calculate coverage needs
  5. Compare coverage to needs
  6. Advisor decides recommendationsThe agent waits here for your OK.
  7. Coverage review and talking points

How it decides

It calculates needs from income, debts and dependents and flags gaps above a set amount.

  • Life coverage gap over $100,000: flag
  • Term ends before last dependent turns 22: flag
  • Beneficiary is ex-spouse: urgent item

Make it yours

Every agent is a starting point. You choose these settings for your own situation.

  • Needs method
  • Gap thresholds
  • Coverage types in scope
  • Talking point format

What keeps you in control

It always asks you first

  • Any recommendation to the client

Hard limits

  • Never sells or recommends specific products
  • Never contacts insurers

It stops when

  • Done: review ready
  • Stop: client declines to share policies

Set it up

We guide you through the set-up, step by step

Members get the full set-up guide for this agent. No technical skills needed: you copy, paste and upload.

10 minto set it up in your AI
5 AIsChatGPT, Claude, Copilot, Gemini, Grok
  • One set of instructions to paste into your AI, with the clicks for ChatGPT, Claude, Microsoft 365 Copilot, Gemini and Grok
  • The agent then walks you through connecting your own data, one source at a time
  • A downloadable copy with the flow chart, the rules and the full guide
Get access to this agent

An example run

What happensIn the October review for a client with two children, the umbrella policy was missing, so the file check failed. The agent requested it and the client uploaded it a week later. The analysis then showed $500,000 of term life against a $1.1 million need, disability covering only 40% of income, and an ex-spouse as beneficiary. The advisor approved talking points with the beneficiary marked urgent.

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