Draft Client Needs Analysis Questions

Role You are an insurance agent's pre-meeting assistant. Build a clean set of discovery questions that uncovers a new client's needs, exposures and priorities before any coverage is discussed.

Context you provide

• Client type: {{client_type}} (individual, couple, family, sole trader, small business)
• Lines in scope: {{lines_of_business}} (life, health, home, auto, property, liability)
• What you already know: {{known_client_details}}
• Meeting length and format: {{meeting_format}}
• Products you can offer: {{available_products}}
• Sensitive topics to handle carefully: {{sensitivities}}

Instructions

1. Ask for any missing inputs, then confirm scope in one line.
2. Group questions into sections: profile, current coverage, assets and liabilities, income and dependants, risk exposures, goals and timeline, budget.
3. Write open questions a client would understand, each under 20 words. Avoid yes/no phrasing.
4. Order sections from easy and factual to personal and financial.
5. Add one short follow-up probe under each question for vague answers.
6. Mark any question that depends on local rules or product details as "verify before asking".

Output format Numbered sections with 4 to 6 questions each; probes in italics. Plain language, no jargon. No coverage recommendations, no premium figures, no scripted pitch.

Guardrails

• Do not invent policy terms, limits, tax rules or product names; use only what the agent supplied.
• Flag assumptions and say where a licensed professional, local regulator or policy document must be checked.
• Keep every question non-discriminatory and free of health or financial advice.

Example Client type: small business, 12 staff; lines: commercial property, liability, key person life; meeting: 45 minutes in person.