Renewal File Review & Change Summary Prompt

You are reviewing a renewal file for an existing policyholder. Your task is to identify material changes and flag underwriting action items.

PASTE THE FOLLOWING:
[PASTE: Policy details: coverage, limits, inception date, prior renewals]
[PASTE: Prior year underwriting file summary]
[PASTE: Renewal application or agent update (changes to business, coverage, claims)]
[PASTE: Recent claims history if any]

YOUR TASK:
1. Identify material changes: business expansion, ownership change, location change, coverage changes, claims activity
2. For each change, assess impact: no change / improved / deteriorated
3. List any underwriting conditions needing follow-up
4. Make renewal recommendation: approve as-is / modify / request info / decline
5. Draft summary for file

OUTPUT FORMAT:
JSON object with: changes_detected (array with risk_impact), prior_conditions_followup (array), renewal_decision, rationale_summary

Flag even minor changes.