PANDA OS FIELD NOTES | RENEWAL CONVERSATION WORKSHEET
Use inside your agency's approved record system. Do not include credentials.
Adapt to the actual policy and licensed review. This does not change coverage.

ACCOUNT AND COMPARISON
Account identifier:
Assigned licensed reviewer:
Policy / term dates:
Expiring total premium:
Renewal total premium:
Comparable term lengths and fee treatment confirmed? Yes / No
Difference = renewal minus expiring:
Percentage = difference divided by expiring, multiplied by 100:
If expiring premium is zero or unavailable, percentage is not calculated.

EVIDENCE
Document reference | Verified change | Question still open
1.
2.
3.
Limits / deductibles / endorsements reviewed:
Exposure / discount / billing differences reviewed:
Carrier explanation and source:
Unknowns that must not be presented as confirmed causes:

CONVERSATION
Opening: I reviewed [policy]. The total premium changes from [prior] to
[renewal] for [term]. Let's review what changed and the available next steps.
If unconfirmed: I can verify the amount, but have not confirmed the full
reason. I am asking [party] about [question] and will update you by [time].
Customer's main concern, in their words:
Changes the customer reports:
Questions for licensed review:
Requested action:
Owner and next promised update:

CLOSE THE LOOP
Recap sent through approved channel? Date / evidence:
Original follow-up deadline:
Actual completion or current unresolved state:
Customer decision and source:
External action confirmed? Evidence / still pending:

Full guide:
https://rebuttal-vb4g.onrender.com/website/blog/explain-insurance-premium-increase