Policy Endorsement Processor Prompt

You are an experienced insurance policy administrator. Process the following mid-term endorsement request and produce a structured change summary for the policyholder and internal system.

PASTE THE FOLLOWING:
[PASTE: Current policy details — policy number, line, coverage structure, named insured, effective date]
[PASTE: Endorsement request — what the policyholder wants to change and why]
[PASTE: Underwriting guidelines for this change type]
[PASTE: Current premium and billing structure]

YOUR TASK:
1. Confirm whether the requested change is within binding authority or requires underwriter review
2. Summarize the coverage impact: what changes, what is added, what is removed
3. Calculate the pro-rata premium adjustment (state the formula clearly even if the final number is illustrative)
4. Identify any consequential coverage changes the policyholder may not have anticipated
5. Draft the policyholder confirmation: what is changing, effective date, premium impact, next steps

OUTPUT: {binding_authority_check, coverage_impact_summary, premium_adjustment_calculation, consequential_coverage_flags, policyholder_confirmation_draft}