Insurance Agency Client Review Template
Three documents and four sheets that check each policy's own limit against what changed in the client's life this year.
Free download · No account needed
Coverage Gap Summary
Halvorsen household. Reviewed 2 Mar 2026. Every limit below is read from the policy in force.
| Line | On the document | Needs to cover |
|---|---|---|
| Dwelling, Coverage A | $310,000 | $455,000 replacement cost |
| Auto liability, per person | $100,000 | $250,000, umbrella's own floor |
| Business property, on premises | $2,500 sublimit | $12,000 studio equipment |
Coverage A is 68.13 percent of the home's replacement cost after a renovation, 12 points under the 80 percent line the HO-3 form sets for full-cost claim payments.
Coverage Analysis
| Line | Gap | Consequence |
|---|---|---|
| Dwelling coinsurance | -$145,000 vs. full cost | $5,934.07 penalty on a $40,000 claim today |
| Umbrella underlying limit | -$150,000 per person | Judgment gap between limit and umbrella attachment |
| Studio equipment | -$9,500 | Uncovered on a covered peril such as fire or theft |
| Term life face amount | -$100,000 | Shortfall against HELOC plus remaining education cost |
Four gaps, one review, each one a number checked against the document rather than a feeling that the policy is probably fine.
Recommendation Note
| # | Action | Kind |
|---|---|---|
| 1 | Add Emerson as a listed driver | Endorsement, now |
| 2 | Raise Coverage A to $455,000 | Increase, before renewal |
| 3 | Raise auto liability to 250/500/100 | Increase, before renewal |
| 4 | Add business rider or standalone policy | Client's choice |
| 5 | Replace $250,000 term policy with $350,000 | Replacement, notice required |
Item 5 swaps carriers, so it is the one line that triggers a replacement notice before the old policy is cancelled.
Search "insurance agency client review template" and the results are almost entirely about collecting client testimonials and Google reviews, not about running the review itself. The few generic checklists that do exist ask an agent to confirm coverage is "still adequate" without saying against what. Nothing on the first page reads the policy's own sublimit or coinsurance clause and checks it against a specific fact about the client's year.
The Halvorsen household added a primary suite and remodeled the kitchen, raising their home's replacement cost from $370,000 to $455,000 on the contractor's final invoice rather than the original renovation estimate. Coverage A stayed at $310,000: 68.13 percent of the new replacement cost, twelve points under the 80 percent line the HO-3 form requires for full-cost claim payments. On a $40,000 claim today, that gap alone costs the household $5,934.07 in a coinsurance penalty, computed straight from the two numbers on the declarations page.
The same review catches a newly licensed teen driver not yet listed on the auto policy, and a $1,000,000 umbrella whose own underlying-limit requirement the current auto liability does not meet. It also catches a $12,000 pottery studio under a $2,500 business-property sublimit no rider can raise. When a fix replaces rather than endorses a policy, the NAIC's replacement regulation requires a signed notice before the old one cancels. The real estate pack runs the same discipline against contract dates, and the onboarding pack starts the file this review checks.
What's in the pack
Review Agenda
The meeting structured around what changed since last year, not a generic coverage checklist read out loud.
Coverage Gap Summary
Every limit read from the actual policy document, set against the specific life change it now has to cover, with the arithmetic shown.
Recommendation Note
Ordered by consequence, with each item marked as an increase, an endorsement, or a full policy replacement.
Policy Register
Every policy across the book, by client, with the carrier, the limit and the date it was last reviewed.
Coverage Analysis
The gap between what the document covers and what the client needs, one row per coverage line, with the consequence stated.
Renewal Calendar
Every renewal date across the book with the review-ahead window computed, so nothing gets reviewed the week it renews.
Cross-sell Register
Every gap-derived opportunity tracked to a decision, so a finding from March does not disappear by June.
How to use it
- 1
Open in River, or download it
Take the blank Word and CSV files with no account, or install the pack in River and hand it a client's policies.
- 2
Pull the actual limits from this year's documents
Read the declarations page and any endorsement schedule rather than assuming a standard limit, since riders change them.
- 3
Set each limit against what changed
A renovation, a new driver, a new dependent, a new business activity or debt taken on, each checked against the document's own number.
- 4
Send the recommendation, replacement flagged
Order findings by consequence and mark any item that replaces rather than endorses a policy, so the disclosure step is never missed.
Frequently asked questions
Is this template free?
Yes. Three documents and four sheets download as Word and CSV files with no signup and no credit card. Edit with AI is the optional path where the agent builds the gap summary from your own client's documents. The rest of the library is at the template index.
What format are the downloaded files?
Word documents (.docx) for the Review Agenda, Coverage Gap Summary and Recommendation Note, and CSV (.csv) for the Policy Register, Coverage Analysis, Renewal Calendar and Cross-sell Register. They open natively in Word, Google Docs, Excel and Sheets.
Does this tell me which product or carrier to recommend?
No, and this is deliberate. It states the gap between the document's limit and the client's need, the arithmetic behind it, and the consequence of leaving it open. Which carrier or product closes that gap, and at what premium, stays the agent's and the client's decision to make together.
How does it know a recommendation is a replacement rather than an increase?
Edit with AI reads whether the existing carrier's policy can be endorsed to the new amount. When it cannot, the note marks the item as a replacement rather than an increase, since only a replacement carries the disclosure obligation. The same document-over-checkbox standard is what the subcontractor insurance tracker checks for a contractor's own crews, rather than a certificate's box alone.
What if a client's policy documents are missing or out of date?
The gap summary states which document is missing and exactly what cannot be checked without it, rather than estimating a limit that was never confirmed against the actual declarations page currently in force for that policy.
Does this replace an agent's own E&O judgment?
No. It surfaces the gap and the arithmetic behind it, ordered by consequence so nothing important gets buried. Whether and how to act on a specific finding, and any product or carrier recommendation that follows from it, stays the licensed agent's professional call to make.
Find the gap the renewal letter never mentions
Download the blank pack as Word and CSV files, or open it in River and have it build the gap summary from your own client's policies.
Edit with AI