---
title: "List underwriting points for an endorsement the lawyer will write"
url: "https://ailawframework.com/practice/insurance-law/draft-policy-endorsements-and-exclusion-wording-from-the-underwriting-br/united-states"
type: "task_jurisdiction_version"
site: "AI Law Framework"
id: "A22-T1-R4-US"
practice_area: "Insurance Law"
tier: "red"
lawyer_review: "required"
jurisdictions: ["US"]
last_reviewed: "2026-10-22"
---

# List underwriting points for an endorsement the lawyer will write

> One row per point in the underwriting note: the point in the note's words, and the existing clause, if any, that mentions the same subject. Write no endorsement wording.

Canonical page: https://ailawframework.com/practice/insurance-law/draft-policy-endorsements-and-exclusion-wording-from-the-underwriting-br/united-states  
Last reviewed: 2026-10-22

Site index for agents: https://ailawframework.com/llms.txt

## Key facts

| Fact | Value |
| --- | --- |
| Practice area | [Insurance Law](https://ailawframework.com/practice/insurance-law.md) |
| Human involvement | Red: Lawyer writes; AI may check, clarify or collect data |
| How AI is used | One row per point in the underwriting note: the point in the note's words, and the existing clause, if any, that mentions the same subject. Write no endorsement wording. |
| What the lawyer must review | An endorsement changes the policy. 15 U.S.C. § 1012 leaves the policy's effect to state law unless a federal act specifically relates to the business of insurance. You write the wording. Formal Opinion 512 requires review before any tool sentence is used in a document the client will issue. |
| Written for | United States |
| Applies to | [Draft policy endorsements and exclusion wording from the underwriting brief](https://ailawframework.com/practice/insurance-law/draft-policy-endorsements-and-exclusion-wording-from-the-underwriting-br.md) |

## Checking plan

- What the AI does: One row per point in the underwriting note: the point in the note's words, and the existing clause, if any, that mentions the same subject. Write no endorsement wording.
- Basis: Checked against the linked sources on 22 October 2026. Confirm the current instrument before reliance.

## Notes

- No unfair-terms statute was opened. The list does not say a clause is unfair.
- The tool does not propose exclusion text.

## Sources

- [15 U.S.C. § 1012, McCarran-Ferguson Act: regulation by State law](https://www.law.cornell.edu/uscode/text/15/1012) (checked 2026-10-22)
- [ABA Formal Opinion 512, Generative Artificial Intelligence Tools (29 July 2024)](https://www.americanbar.org/content/dam/aba/administrative/professional_responsibility/ethics-opinions/aba-formal-opinion-512.pdf) (checked 2026-10-22)

*Practice guidance for planning and review. Confirm current primary sources and the requirements of the actual matter. This is general information, not legal advice.*