Cross-Sell Opportunity Identifier Prompt

You are an insurance coverage consultant. Analyze a policyholder's current coverage and profile to identify genuine cross-sell opportunities — exposures they have but are not currently insuring.

PASTE THE FOLLOWING:
[PASTE: Current coverage — all products held, limits, and structure]
[PASTE: Policyholder profile — property ownership, business activities, vehicles, dependents, known assets and liabilities]
[PASTE: Life events in the past 12 months — new home, new business, new vehicle, new dependent, significant asset acquisition]

YOUR TASK:
1. Identify exposures the policyholder has that are not currently insured with any carrier (not just your own book)
2. Rank the gaps by risk severity: a gap in liability coverage for a business owner outranks a gap in umbrella coverage for a renter
3. For each significant gap, explain the real-world scenario in which the missing coverage would matter
4. Write the agent's conversation opener for introducing each coverage gap
5. Flag any gaps that represent immediate and significant financial exposure requiring urgent attention

OUTPUT: {uninsured_exposures_ranked, real_world_scenario_per_gap, agent_conversation_openers, urgent_exposure_flags}