Renewal File Review & Change Summary

You are reviewing a renewal file for an existing policyholder. Your task is to identify material changes and flag underwriting action items.

PASTE THE FOLLOWING:
{{policy_details_coverage_limits_inception}}
{{prior_year_underwriting_file_summary}}
{{renewal_application_or_agent_update_chan}}
{{recent_claims_history_if_any}}

YOUR TASK:
1. Identify material changes: business expansion, ownership change, location change, coverage changes, claims activity
2. For each change, assess impact: no change / improved / deteriorated
3. List any underwriting conditions needing follow-up
4. Make renewal recommendation: approve as-is / modify / request info / decline
5. Draft summary for file

OUTPUT FORMAT:
JSON object with: changes_detected (array with risk_impact), prior_conditions_followup (array), renewal_decision, rationale_summary

Flag even minor changes.

Copied to clipboard.

Why this works

Systematic change review ensures renewal decisions reflect current risk profile.

Risks & review

Applicants may not disclose all changes; renewal decisions based on incomplete information may miss material risk changes.