LetterAgent
Mail physical letters by just asking your AI assistant.
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Address the letter to the claims or correspondence office listed on your policy documents, open with your policy and claim numbers, and state one clear request with a reply deadline. Insurers process mail by file number first, so a letter without those identifiers can sit unassigned for weeks.
| Put in the letter | Why it matters |
|---|---|
| Policy number | Links the letter to the right contract |
| Claim number, if one exists | Routes it to the adjuster handling your file |
| Date of loss or service | Fixes which policy period and coverage applies |
| Exact request and deadline | Gives the reader a decision to make, not a story to ponder |
Insurers are big, and a letter to the head office often gets forwarded slowly. Use the address on your policy declarations page, your claim correspondence, or the insurer's "contact us" page under claims or appeals. Appeals have their own address at many companies, separate from first claims, and appeal letters sent to the claims desk can miss their filing window while being rerouted. The same applies to complaints: many insurers have a dedicated complaints or ombudsman office, and in Canada, provincial regulators expect you to have used the insurer's internal complaints process before they step in.
Three habits separate letters that get action from letters that get filed. First, quote the policy language you rely on, with the section number if you have it, rather than saying "my policy should cover this." Second, separate facts from opinions: dates, amounts, and names in one paragraph, your argument in the next. Third, ask for a specific outcome and a date: a revised decision, a payment, an explanation in writing, or a supervisor review. A letter that ends with "please advise" invites a form reply. A letter that ends with "please confirm in writing by this date whether the claim is approved or denied, with reasons" creates a record the insurer must answer.
Never send originals of anything you cannot replace: medical records, repair estimates, photos, or receipts. Send copies, keep the originals, and note in the letter that copies are enclosed. This matters doubly with LetterAgent, which mails single letters with no inserts at all. If your letter needs supporting documents attached, mail that package yourself with the enclosures, or use LetterAgent for the cover letter and send the documents separately by a tracked method, noting in the letter that they follow under separate cover. Either way, keep a complete copy of everything you sent, with the date, in one folder.
Read the denial letter for two things: the reason given and the appeal deadline. Both are usually stated, and the deadline is often short. Your appeal letter should answer the stated reason directly, point by point, with the evidence that counters it, rather than repeating the original claim. If the denial cites a policy exclusion, quote the exclusion and explain why it does not apply to your facts, or accept it and argue a different coverage section. If the deadline is near, send the appeal by a tracked option, US Certified Mail or Canada Registered Mail, so you can prove it arrived in time. Missing an appeal deadline can end a claim even when the facts favour you.
Yes, to any US or Canadian address: describe it to your AI assistant, approve the exact quoted price, and it is printed on standard 8.5 by 11 inch paper and mailed in a double-window envelope. Use it for the letter itself, and handle enclosures separately as described above. For urgent matters, such as an appeal deadline days away, call the insurer first to confirm the appeal address, then let the mailed letter create the written record.
Ready to mail it? Send your letter with LetterAgent: describe it to your AI assistant, approve the exact quoted price, and it is printed and mailed.
LetterAgent is a working name. Prices include print, postage, and our service fee. US prices in USD, Canadian prices in CAD (Canadian prices exclude applicable sales tax, added at checkout). Currently in private testing.
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