Skip to content
  • There are no suggestions because the search field is empty.

Using the ReFocus AI Quote Comparison Skill

The ReFocus AI Quote Comparison Skill is an open-source insurance workflow that helps licensed insurance professionals compare two quote documents using publicly available large language models.

Overview

The skill can be used with AI assistants that support custom instructions or similar workflows. It gives the model insurance-specific guidance for reviewing quote differences, identifying cleanup items, and organizing follow-up questions.

The skill is available in the ReFocus AI Insurance Tools GitHub repository.

What the Skill Helps With

The Quote Comparison Skill helps agency teams review two quote documents for the same insured and identify differences such as:

  • Premium changes
  • Coverage differences
  • Deductible differences
  • Rating input discrepancies
  • Forms, endorsements, exclusions, or optional coverage differences
  • Discounts, fees, surcharges, and taxes
  • Missing, suspicious, or placeholder values
  • Bind-readiness cleanup items
  • Follow-up questions for the insured, carrier, or internal agency team

The skill is designed to support structured review across lines of business, including personal lines, commercial lines, umbrella, workers compensation, and other insurance workflows.

Who Should Use This

This skill is intended for licensed insurance professionals and agency teams that want a more consistent way to compare quote documents.

Common users include:

  • Agency principals standardizing AI-assisted workflows
  • Producers comparing quote options before presenting them
  • CSRs and account managers reviewing quote documents for cleanup items
  • Operations teams reviewing quote discrepancies
  • Teams testing public LLMs with insurance-specific workflow guidance

Before You Begin

Before uploading any quote documents into a public LLM or third-party AI tool, confirm that your agency, brokerage, carrier, or organization allows that use.

Do not upload confidential, regulated, or client-specific documents into any tool unless it is permitted by your organization’s privacy, security, carrier, and regulatory requirements.

As a best practice, confirm that data sharing, model training, or chat history usage is turned off in the settings of the AI tool you are using before uploading insurance documents.

How to Get Started

Start with the Quote Comparison Skill README.

The README includes setup instructions, usage guidance, document labeling notes, requirements, and example prompts.

You can also go directly to the Quote Comparison Skill file to review or copy the skill instructions.

Recommended Prompts

After setting up the skill, upload two quote documents and try prompts such as:

  • “Compare these two quotes.”
  • “Why is the premium different between these two quotes?”
  • “Review these for bind readiness.”
  • “Identify all material coverage, rating, and endorsement differences.”
  • “What needs producer, carrier, or insured follow-up before binding?”

What the Output Includes

The skill is designed to produce a structured review with the following sections:

  1. Executive Summary
  2. Difference Table
  3. Premium Reconciliation
  4. Likely Premium Drivers
  5. Coverage and Legal-Contract Review Flags
  6. Bind-Readiness and Cleanup Items
  7. Producer Follow-Up Questions

What the Skill Does Not Do

The Quote Comparison Skill does not:

  • Provide legal advice
  • Replace licensed producer review
  • Make a binding recommendation
  • Access carrier portals, AMS systems, policy databases, or external data sources
  • Guess or fill in missing values
  • Confirm that a quote is legally sufficient or ready to bind

The output should be treated as a structured review aid, not a final decision.

Best Practices

For best results:

  • Use clear, complete quote documents.
  • Label the documents before uploading when possible.
  • Review the AI output against the original quote documents.
  • Treat flagged items as review prompts, not final conclusions.
  • Confirm carrier-specific, underwriting, legal, or compliance questions with the appropriate professional or carrier representative.
  • Do not rely on the AI output as the sole basis for coverage, binding, or client-facing decisions.

Feedback and Contributions

The Quote Comparison Skill is part of ReFocus AI’s open-source insurance tools library.

If you find an issue, identify a missing comparison category, test the skill on a new line of business, or have ideas for improvement, please open an issue on GitHub.

If you want to contribute directly, you can also open a pull request.

Helpful Links

Disclaimer

This material and the Quote Comparison Skill are provided for informational and workflow-support purposes only. They do not constitute legal advice, compliance advice, underwriting advice, or a binding insurance recommendation. Insurance professionals should independently review all outputs and consult appropriate legal, compliance, underwriting, carrier, or licensed insurance professionals before making coverage, binding, or client-facing decisions.