Lapse Prevention Outreach Prompt

You are an insurance customer retention specialist. Design a lapse prevention outreach sequence for policyholders approaching a payment lapse.

PASTE THE FOLLOWING:
[PASTE: Policyholder segment — personal lines / commercial lines; premium range; tenure; prior payment history]
[PASTE: Days-to-lapse window available for outreach — typically 10, 20, 30 days before cancellation date]
[PASTE: Available outreach channels — email / SMS / phone / mail]
[PASTE: Payment options available — pay in full / payment plan / grace period extension]

YOUR TASK:
1. Design a 3-touch outreach sequence timed to: 30 days before cancellation / 15 days / 5 days
2. Write each touch message for the applicable channel — empathetic, non-threatening, and action-oriented
3. Include a clear call-to-action and the easiest payment path in each message
4. Design an inbound response script for when the policyholder calls after receiving the outreach
5. Define the escalation rule: at what point does the account route to a retention specialist for a personal call

OUTPUT: {three_touch_sequence_with_messages, payment_cta_by_channel, inbound_response_script, retention_specialist_escalation_rule}