Step 1 of 5
Letter type & policy upload
Choose the letter, then optionally scan the client's policy PDF to fill in fields for you.
Letter
Scan a policy PDF Optional
Step 2 of 5
Client & carrier
The client sends and signs the letter. The carrier receives it (or is copied, for a regulator complaint).
Client (sender)
Saved in this browser as your default. It never appears in the letter header or signature.
Insurance carrier
Which address should I use?
The presets are public home-office addresses, not confirmed complaint-intake addresses. Carriers often route compliance mail elsewhere, so check a recent statement or letter from the carrier before mailing.
State & regulator
About the regulator directory
Picking a state fills in its insurance regulator from a built-in directory of all 50 states and DC. Agencies are sometimes renamed, and some states route consumer complaints to a different office, so confirm the name and complaint address on the regulator's website.
Step 3 of 5
Policy & losses
Identify the policy and add the figures from its own guaranteed illustration.
Policy
Guaranteed loss
From the policy's guaranteed values ledger. Leave blank to skip this paragraph.
Where to find these numbers in the PDF
- Find the ledger page. Look for a page titled Tabular Detail, Guaranteed Illustrated Values, Guaranteed Projections, or Numeric Summary: a year-by-year table near the middle of the illustration.
- Use the Guaranteed columns. The page usually shows Guaranteed and Non-Guaranteed (Current, Illustrated, Assumed) side by side. Always read the Guaranteed side; the other assumes index performance that isn't promised.
- Years, annual premium, guaranteed CSV, Year 1 figures: the "Premium Outlay" column and the guaranteed "Cash Surrender Value" column of that table. A Year 1 guaranteed CSV of $0 is normal; that is the finding.
- Premium expense charge (%): usually on the Policy Data, Data Section, or Schedule page, labeled Premium Expense Charge. Use the guaranteed (maximum) rate, not a current rate.
- Surrender charge ($): the Surrender Charge schedule on the same data pages. Use the earliest year's dollar figure.
- Lapse year / age: a sentence near the ledger such as "Based on guaranteed values, this policy will lapse in policy year X (age Y)". If there isn't one, leave these blank rather than guess.
Loss breakdown Optional
Each figure becomes its own bullet. Fill in only what the document states.
Step 4 of 5
Grounds & demands
The letter only asserts what you select here.
What happened Optional
Grounds
Statute citation Optional
Only cite a section you have verified is current. Blank uses "applicable state insurance and consumer protection laws".
All citations on file for the client's state
Enter the client's state in Step 2 to see citations.
Sources: NAIC model-law tracking charts (Unfair Trade Practices, Summer 2025; Insurance Fraud, Fall 2021, which is older, so double-check it) and a carrier-published free-look compilation. Misrepresentation and twisting sections are a lower-confidence compiled tier. Research notes in parentheses are removed when a citation is inserted.
Demands
Cancellation (or rescission) of the policy is always item 1.
If the carrier doesn't comply
Step 5 of 5
Review & export
Fix anything flagged, finish the letter details, then export.