Dear [Name]:

"Small matters" have a way of getting pushed aside, but sometimes they can grow into major problems.

This is the reason that we spend time periodically reviewing our clients' coverages. For your protection, I would like to make [this/these] suggestion(s): [Describe increase in coverage, improvement in form, etc., that you suggest.]

I'm sure you will agree that this is important enough to consider seriously. We will follow up shortly if we do not hear from you. However, if you're as concerned as we are, please call me personally at [phone] so that we may discuss the situation.

Thanks for the opportunity to be of service.

Sincerely,