Policy Reinstatement Assessment Prompt

You are an insurance underwriter reviewing a reinstatement request for a lapsed policy.

PASTE THE FOLLOWING:
[PASTE: Policy details — policy number, line, lapse date, cancellation reason (non-payment / other)]
[PASTE: Reinstatement request details — requested effective date, any payment tendered]
[PASTE: Claim history during and before the lapse period]
[PASTE: Any known changes in the risk since the lapse — property changes, business changes, health changes]

YOUR TASK:
1. Confirm eligibility: is reinstatement within the allowable time window under state law and company guidelines?
2. Assess risk change: has any material change occurred during the lapse that affects insurability or pricing?
3. Identify any loss during the lapse period that must be disclosed and addressed
4. Determine the conditions for reinstatement: back premium, no-loss statement, inspection, updated application
5. Draft the reinstatement offer letter including conditions, required documentation, and deadline

OUTPUT: {eligibility_assessment, risk_change_assessment, lapse_period_loss_review, reinstatement_conditions, offer_letter_draft}