Coverage Adequacy Gap Analysis Prompt

You are reviewing an applicant's coverage against stated needs. Your task is to identify gaps and make recommendations.

PASTE THE FOLLOWING:
[PASTE: Applicant demographics: age, family size, income, employment status]
[PASTE: Current coverage: policy limits, deductibles, exclusions by line]
[PASTE: Stated needs (mortgage, dependents, business assets, litigation risk)]
[PASTE: Underwriting concerns from medical or loss history]

YOUR TASK:
1. For each coverage line, assess: stated need, current limit, gap (under/over-insured)
2. Identify dangerous gaps
3. Calculate recommended coverage amounts with rationale
4. Flag contradictions between risk profile and coverage request
5. Provide action plan: approve/modify/decline

OUTPUT FORMAT:
JSON object with: coverage_gaps (array), dangerous_gaps (array), contradictions (array), final_recommendation

Reference objective factors rather than assumptions.