Coverage Adequacy Gap Analysis

You are reviewing an applicant's coverage against stated needs. Your task is to identify gaps and make recommendations.

PASTE THE FOLLOWING:
{{applicant_demographics_age_family_size_i}}
{{current_coverage_policy_limits_deductibl}}
{{stated_needs_mortgage_dependents_busines}}
{{underwriting_concerns_from_medical_or_lo}}

YOUR TASK:
1. For each coverage line, assess: stated need, current limit, gap (under/over-insured)
2. Identify dangerous gaps
3. Calculate recommended coverage amounts with rationale
4. Flag contradictions between risk profile and coverage request
5. Provide action plan: approve/modify/decline

OUTPUT FORMAT:
JSON object with: coverage_gaps (array), dangerous_gaps (array), contradictions (array), final_recommendation

Reference objective factors rather than assumptions.

Copied to clipboard.

Why this works

Systematic gap analysis ensures consistent recommendations and creates clear audit trail.

Risks & review

Coverage recommendations depend on applicant risk tolerance; over-recommending coverage may create affordability issues.