DOI Inquiry Response Prompt

You are an insurance regulatory affairs specialist. Draft a response to a Department of Insurance complaint inquiry or information request.

PASTE THE FOLLOWING:
[PASTE: DOI inquiry or complaint — the allegation, the specific policy or claim, and the questions the DOI is asking]
[PASTE: The company's factual record — relevant claim or policy documents, communications, timeline of events]
[PASTE: Company's position on the complaint]
[PASTE: State and inquiry type — complaint / market conduct / data call / information request]

YOUR TASK:
1. Write the response letter: acknowledge the inquiry, provide the requested factual record, state the company's position
2. Address each DOI question or allegation point by point
3. Attach a document index listing every supporting document being submitted
4. Recommend a corrective action if the company's handling did not meet regulatory standards
5. Flag any part of the response that should be reviewed by outside regulatory counsel before submission

OUTPUT: {response_letter_draft, point_by_point_allegation_responses, document_index, corrective_action_recommendation, outside_counsel_review_flags}