A letter of experience or proof of prior insurance is a document provided by a company to verify an individual’s previous coverage. It serves as proof that they have maintained insurance for a specific period of time and supplies details about their history.

It typically includes information such as the duration, policy limits, types of coverage, and any claims made during the coverage period. It may also comprise details about the individual’s demands history, as the number and amounts paid, if applicable.

This document is often required when individuals want to switch insurance companies or obtain new coverage. It helps the new insurer assess the individual’s history and determine appropriate rates and options.