For Insurance Underwriters ·
What you'll accomplish
By the end of this guide, you'll have ChatGPT configured with your underwriting context permanently — your company type, lines of business, typical accounts, and writing standards — so you never have to re-explain your context at the start of every new conversation. Every ChatGPT session starts with an AI that already knows you're an underwriter.
What you'll need
In ChatGPT, click your profile icon in the top-right corner. Select "Customize ChatGPT" (or "Custom Instructions" depending on your version). You'll see two text boxes:
In the first box ("What would you like ChatGPT to know about you?"), paste the following and customize the bracketed sections:
I'm a commercial lines insurance underwriter at [carrier type — e.g., regional P&C carrier / national specialty MGA / reinsurer]. I handle [primary lines — e.g., commercial general liability, commercial property, and professional liability] for [account type — e.g., small-to-mid-size commercial accounts / specialty risks / construction].
My typical accounts: [describe your book — e.g., small businesses with revenues under $5M / mid-market commercial accounts $1M–$25M revenue / contractors and construction firms].
I use AI for: drafting declination and agent communication letters, analyzing loss runs, researching unfamiliar risk types, writing file notes, drafting referral memos to higher authority, and studying for CPCU exams.
I have [years] of underwriting experience. [Add any relevant context: "I specialize in [specific class]" or "I'm newer to underwriting."]
In the second box ("How would you like ChatGPT to respond?"), paste:
When drafting insurance letters or emails: use professional, direct language appropriate for agent/broker communication. No contractions. Clear structure. Not overly formal or legalistic — readable and professional.
When analyzing loss runs or submissions: give me structured output — use numbered lists or short paragraphs, not long prose. Lead with the key finding.
When explaining insurance concepts: use practical examples from commercial lines underwriting context. Don't be overly technical unless I ask for depth.
When drafting file notes: write in past tense, factual, brief. Avoid subjective language about accounts or agents.
Don't add unnecessary caveats about consulting legal or regulatory experts unless the question is specifically about legal or regulatory compliance.
Keep responses focused and concise. I'll ask follow-up questions if I want more detail.
Click "Save." Open a new ChatGPT conversation. Test it:
"I need to decline a manufacturing account. The main reasons are: 5 prior claims in 4 years, 2 of which were OSHA violations, and the applicant has a recent bankruptcy. Draft a declination letter."
The response should immediately produce a professional underwriting letter without you explaining what a declination letter is or what tone you want — because ChatGPT already knows your context.
Review your custom instructions every 6 months. If you change roles, change lines of business, or develop specific writing preferences, update the instructions to reflect your current context.
Guide created for Insurance Underwriter professionals. Tool interfaces may change.