Rate Adjustment – We're Lowering Your Premium
Premium reduction announcement (good news!)
Preview
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</style></head><body style="background-color:rgb(249,250,251);margin:0"><!--$--><!--html--><div style="display:none;overflow:hidden;line-height:1px;opacity:0;max-height:0;max-width:0" data-skip-in-text="true">Great news — your insurance premium is going down. See your new rate inside.<div> </div></div><!--head--><!--body--><table border="0" width="100%" cellPadding="0" cellSpacing="0" role="presentation" align="center"><tbody><tr><td style="background-color:rgb(249,250,251);margin:0rem;padding:0rem;font-family:ui-sans-serif,system-ui,sans-serif,"Apple Color Emoji","Segoe UI Emoji","Segoe UI Symbol","Noto Color Emoji""><table align="center" width="100%" border="0" cellPadding="0" cellSpacing="0" role="presentation" style="max-width:600px;margin-right:auto;margin-left:auto;margin-bottom:2rem;margin-top:2rem"><tbody><tr style="width:100%"><td><table align="center" width="100%" border="0" cellPadding="0" cellSpacing="0" role="presentation" style="background-color:rgb(255,255,255);border-top-left-radius:1rem;border-top-right-radius:1rem;padding-right:2rem;padding-left:2rem;padding-top:2rem;padding-bottom:1.5rem;border-top-style:solid;border-top-width:4px;border-style:solid;border-color:rgb(43,127,255)"><tbody><tr><td><table align="center" width="100%" border="0" cellPadding="0" cellSpacing="0" role="presentation"><tbody style="width:100%"><tr style="width:100%"><td data-id="__react-email-column" style="text-align:left"><img alt="ClearShield Insurance logo" height="36" src="/static/company-logo.png" style="display:block;outline:none;border:none;text-decoration:none" width="140"/></td><td data-id="__react-email-column" style="text-align:right"><p style="font-size:0.75rem;line-height:1;color:rgb(153,161,175);margin:0rem;padding:0rem;margin-top:0rem;margin-bottom:0rem;margin-left:0rem;margin-right:0rem">Policy Notice</p><p style="font-size:0.75rem;line-height:1;color:rgb(153,161,175);margin:0rem;padding:0rem;margin-top:0rem;margin-bottom:0rem;margin-left:0rem;margin-right:0rem">March 15, 2026</p></td></tr></tbody></table></td></tr></tbody></table><table align="center" width="100%" border="0" cellPadding="0" cellSpacing="0" role="presentation" style="background-color:rgb(255,255,255);padding-right:0rem;padding-left:0rem"><tbody><tr><td><img alt="Upward financial growth chart symbolizing premium savings" height="280" src="/static/images/library/finance-growth-concept.png" style="display:block;outline:none;border:none;text-decoration:none;width:100%;object-fit:cover" width="600"/></td></tr></tbody></table><table align="center" width="100%" border="0" cellPadding="0" cellSpacing="0" role="presentation" style="background-color:rgb(255,255,255);padding-right:2rem;padding-left:2rem;padding-top:2rem;padding-bottom:1.5rem"><tbody><tr><td><h1 style="font-size:1.5rem;line-height:1.375;font-weight:700;color:rgb(16,24,40);margin:0rem;margin-bottom:0.75rem">Your premium just got a little lighter.</h1><p style="font-size:1rem;line-height:1.625;color:rgb(74,85,101);margin:0rem;margin-top:0rem;margin-bottom:0rem;margin-left:0rem;margin-right:0rem">Hi Sarah, we have some genuinely good news to share with you today. Following our most recent risk assessment and regional rate review, we have updated your policy to reflect a lower monthly premium. No action is needed on your part — this change takes effect automatically.</p></td></tr></tbody></table><table align="center" width="100%" border="0" cellPadding="0" cellSpacing="0" role="presentation" style="background-color:rgb(239,246,255);margin-right:2rem;margin-left:2rem;border-radius:0.75rem;padding-right:1.5rem;padding-left:1.5rem;padding-bottom:1.5rem;padding-top:1.5rem;margin-bottom:0rem"><tbody><tr><td><h2 style="font-size:0.75rem;line-height:1.3333333333333333;font-weight:600;color:rgb(43,127,255);text-transform:uppercase;letter-spacing:0.1em;margin:0rem;margin-bottom:1rem">Your Updated Premium Summary</h2><table align="center" width="100%" border="0" cellPadding="0" cellSpacing="0" role="presentation" style="margin-bottom:0.75rem"><tbody style="width:100%"><tr style="width:100%"><td data-id="__react-email-column" style="width:50%"><p style="font-size:0.75rem;line-height:1.3333333333333333;color:rgb(106,114,130);margin:0rem;margin-bottom:0.25rem;text-transform:uppercase;letter-spacing:0.025em;margin-top:0rem;margin-left:0rem;margin-right:0rem">Previous Monthly Premium</p><p style="font-size:1.25rem;line-height:1.4;font-weight:700;color:rgb(153,161,175);margin:0rem;text-decoration-line:line-through;margin-top:0rem;margin-bottom:0rem;margin-left:0rem;margin-right:0rem">$187.00</p></td><td data-id="__react-email-column" style="width:50%;text-align:right"><p style="font-size:0.75rem;line-height:1.3333333333333333;color:rgb(106,114,130);margin:0rem;margin-bottom:0.25rem;text-transform:uppercase;letter-spacing:0.025em;margin-top:0rem;margin-left:0rem;margin-right:0rem">New Monthly Premium</p><p style="font-size:1.25rem;line-height:1.4;font-weight:700;color:rgb(21,93,252);margin:0rem;margin-top:0rem;margin-bottom:0rem;margin-left:0rem;margin-right:0rem">$154.00</p></td></tr></tbody></table><hr style="width:100%;border:none;border-top:1px solid #eaeaea;border-color:rgb(190,219,255);margin-bottom:1rem;margin-top:1rem"/><table align="center" width="100%" border="0" cellPadding="0" cellSpacing="0" role="presentation"><tbody style="width:100%"><tr style="width:100%"><td data-id="__react-email-column" style="width:50%"><p style="font-size:0.75rem;line-height:1.3333333333333333;color:rgb(106,114,130);margin:0rem;margin-bottom:0.25rem;text-transform:uppercase;letter-spacing:0.025em;margin-top:0rem;margin-left:0rem;margin-right:0rem">Monthly Savings</p><p style="font-size:1.125rem;line-height:1.5555555555555556;font-weight:700;color:rgb(0,166,62);margin:0rem;margin-top:0rem;margin-bottom:0rem;margin-left:0rem;margin-right:0rem">$33.00 / month</p></td><td data-id="__react-email-column" style="width:50%;text-align:right"><p style="font-size:0.75rem;line-height:1.3333333333333333;color:rgb(106,114,130);margin:0rem;margin-bottom:0.25rem;text-transform:uppercase;letter-spacing:0.025em;margin-top:0rem;margin-left:0rem;margin-right:0rem">Effective Date</p><p style="font-size:1.125rem;line-height:1.5555555555555556;font-weight:700;color:rgb(30,41,57);margin:0rem;margin-top:0rem;margin-bottom:0rem;margin-left:0rem;margin-right:0rem">April 1, 2026</p></td></tr></tbody></table></td></tr></tbody></table><table align="center" width="100%" border="0" cellPadding="0" cellSpacing="0" role="presentation" style="background-color:rgb(255,255,255);padding-right:2rem;padding-left:2rem;padding-top:2rem;padding-bottom:1.5rem"><tbody><tr><td><h2 style="font-size:1.125rem;line-height:1.5555555555555556;font-weight:700;color:rgb(16,24,40);margin:0rem;margin-bottom:0.75rem">What changed, and why</h2><p style="font-size:1rem;line-height:1.625;color:rgb(74,85,101);margin:0rem;margin-bottom:1rem;margin-top:0rem;margin-left:0rem;margin-right:0rem">We periodically review our pricing models to make sure our customers are getting the most accurate and fair rate possible. Your updated premium reflects two key factors: an improved regional claims history in your area, and your continued clean policy record with ClearShield over the past 24 months.</p><p style="font-size:1rem;line-height:1.625;color:rgb(74,85,101);margin:0rem;margin-top:0rem;margin-bottom:0rem;margin-left:0rem;margin-right:0rem">Your coverage has not changed — you still have the same comprehensive plan, the same deductibles, and the same level of protection you chose when you enrolled. The only thing that is different is the amount you pay each month, and it is going down.</p></td></tr></tbody></table><table align="center" width="100%" border="0" cellPadding="0" cellSpacing="0" role="presentation" style="background-color:rgb(249,250,251);margin-right:0rem;margin-left:0rem;padding-right:2rem;padding-left:2rem;padding-bottom:1.5rem;padding-top:1.5rem"><tbody><tr><td><h2 style="font-size:1.125rem;line-height:1.5555555555555556;font-weight:700;color:rgb(16,24,40);margin:0rem;margin-bottom:1rem">Here is what happens next</h2><table align="center" width="100%" border="0" cellPadding="0" cellSpacing="0" role="presentation" style="margin-bottom:1rem"><tbody style="width:100%"><tr style="width:100%"><td data-id="__react-email-column" style="width:2rem;vertical-align:top"><p style="font-size:0.875rem;line-height:1.5rem;font-weight:700;color:rgb(255,255,255);background-color:rgb(43,127,255);border-radius:9999px;width:1.5rem;height:1.5rem;text-align:center;margin:0rem;margin-top:0rem;margin-bottom:0rem;margin-left:0rem;margin-right:0rem">1</p></td><td data-id="__react-email-column" style="padding-left:0.75rem"><p style="font-size:0.875rem;line-height:1.4285714285714286;font-weight:600;color:rgb(30,41,57);margin:0rem;margin-bottom:0.25rem;margin-top:0rem;margin-left:0rem;margin-right:0rem">Your new rate activates April 1, 2026</p><p style="font-size:0.875rem;line-height:1.625;color:rgb(106,114,130);margin:0rem;margin-top:0rem;margin-bottom:0rem;margin-left:0rem;margin-right:0rem">Your billing will automatically reflect the new amount. No card updates or re-enrollment required.</p></td></tr></tbody></table><table align="center" width="100%" border="0" cellPadding="0" cellSpacing="0" role="presentation" style="margin-bottom:1rem"><tbody style="width:100%"><tr style="width:100%"><td data-id="__react-email-column" style="width:2rem;vertical-align:top"><p style="font-size:0.875rem;line-height:1.5rem;font-weight:700;color:rgb(255,255,255);background-color:rgb(43,127,255);border-radius:9999px;width:1.5rem;height:1.5rem;text-align:center;margin:0rem;margin-top:0rem;margin-bottom:0rem;margin-left:0rem;margin-right:0rem">2</p></td><td data-id="__react-email-column" style="padding-left:0.75rem"><p style="font-size:0.875rem;line-height:1.4285714285714286;font-weight:600;color:rgb(30,41,57);margin:0rem;margin-bottom:0.25rem;margin-top:0rem;margin-left:0rem;margin-right:0rem">You will receive an updated policy document</p><p style="font-size:0.875rem;line-height:1.625;color:rgb(106,114,130);margin:0rem;margin-top:0rem;margin-bottom:0rem;margin-left:0rem;margin-right:0rem">A revised policy summary will be available in your account portal within 3 business days.</p></td></tr></tbody></table><table align="center" width="100%" border="0" cellPadding="0" cellSpacing="0" role="presentation"><tbody style="width:100%"><tr style="width:100%"><td data-id="__react-email-column" style="width:2rem;vertical-align:top"><p style="font-size:0.875rem;line-height:1.5rem;font-weight:700;color:rgb(255,255,255);background-color:rgb(43,127,255);border-radius:9999px;width:1.5rem;height:1.5rem;text-align:center;margin:0rem;margin-top:0rem;margin-bottom:0rem;margin-left:0rem;margin-right:0rem">3</p></td><td data-id="__react-email-column" style="padding-left:0.75rem"><p style="font-size:0.875rem;line-height:1.4285714285714286;font-weight:600;color:rgb(30,41,57);margin:0rem;margin-bottom:0.25rem;margin-top:0rem;margin-left:0rem;margin-right:0rem">Questions? We are here for you</p><p style="font-size:0.875rem;line-height:1.625;color:rgb(106,114,130);margin:0rem;margin-top:0rem;margin-bottom:0rem;margin-left:0rem;margin-right:0rem">If anything looks off or you have questions about your policy, our team is available Monday through Friday, 8am to 6pm EST.</p></td></tr></tbody></table></td></tr></tbody></table><table align="center" width="100%" border="0" cellPadding="0" cellSpacing="0" role="presentation" style="background-color:rgb(255,255,255);padding-right:2rem;padding-left:2rem;padding-top:2rem;padding-bottom:2rem;text-align:center"><tbody><tr><td><p style="font-size:1rem;line-height:1.625;color:rgb(74,85,101);margin:0rem;margin-bottom:1.5rem;margin-top:0rem;margin-left:0rem;margin-right:0rem">You can review your full updated premium breakdown, billing schedule, and policy documents anytime from your account dashboard.</p><a href="https://clearshield.com/account/premium" style="line-height:1.4285714285714286;text-decoration:none;display:inline-block;max-width:100%;mso-padding-alt:0px;background-color:rgb(43,127,255);color:rgb(255,255,255);font-size:0.875rem;font-weight:600;padding-right:32px;padding-left:32px;padding-bottom:16px;padding-top:16px;border-radius:0.5rem;text-decoration-line:none;letter-spacing:0.025em" target="_blank"><span><!--[if mso]><i style="mso-font-width:400%;mso-text-raise:24" hidden>    </i><![endif]--></span><span style="max-width:100%;display:inline-block;line-height:120%;mso-padding-alt:0px;mso-text-raise:12px">View Updated Premium</span><span><!--[if mso]><i style="mso-font-width:400%" hidden>    ​</i><![endif]--></span></a><p style="font-size:0.75rem;line-height:1.3333333333333333;color:rgb(153,161,175);margin:0rem;margin-top:1rem;margin-bottom:0rem;margin-left:0rem;margin-right:0rem">Or copy this link:<!-- --> <a href="https://clearshield.com/account/premium" style="color:rgb(43,127,255);text-decoration-line:underline" target="_blank">clearshield.com/account/premium</a></p></td></tr></tbody></table><table align="center" width="100%" border="0" cellPadding="0" cellSpacing="0" role="presentation" style="background-color:rgb(249,250,251);padding-right:2rem;padding-left:2rem;padding-bottom:1.25rem;padding-top:1.25rem;border-bottom-right-radius:0;border-bottom-left-radius:0"><tbody><tr><td><table align="center" width="100%" border="0" cellPadding="0" cellSpacing="0" role="presentation"><tbody style="width:100%"><tr style="width:100%"><td data-id="__react-email-column" style="width:33.33333333333333%"><p style="font-size:0.75rem;line-height:1.3333333333333333;color:rgb(153,161,175);margin:0rem;text-transform:uppercase;letter-spacing:0.025em;margin-top:0rem;margin-bottom:0rem;margin-left:0rem;margin-right:0rem">Policy Number</p><p style="font-size:0.75rem;line-height:1.3333333333333333;font-weight:600;color:rgb(74,85,101);margin:0rem;margin-top:0rem;margin-bottom:0rem;margin-left:0rem;margin-right:0rem">CSH-2024-88471</p></td><td data-id="__react-email-column" style="width:33.33333333333333%;text-align:center"><p style="font-size:0.75rem;line-height:1.3333333333333333;color:rgb(153,161,175);margin:0rem;text-transform:uppercase;letter-spacing:0.025em;margin-top:0rem;margin-bottom:0rem;margin-left:0rem;margin-right:0rem">Plan Type</p><p style="font-size:0.75rem;line-height:1.3333333333333333;font-weight:600;color:rgb(74,85,101);margin:0rem;margin-top:0rem;margin-bottom:0rem;margin-left:0rem;margin-right:0rem">Comprehensive Home</p></td><td data-id="__react-email-column" style="width:33.33333333333333%;text-align:right"><p style="font-size:0.75rem;line-height:1.3333333333333333;color:rgb(153,161,175);margin:0rem;text-transform:uppercase;letter-spacing:0.025em;margin-top:0rem;margin-bottom:0rem;margin-left:0rem;margin-right:0rem">Member Since</p><p style="font-size:0.75rem;line-height:1.3333333333333333;font-weight:600;color:rgb(74,85,101);margin:0rem;margin-top:0rem;margin-bottom:0rem;margin-left:0rem;margin-right:0rem">January 2024</p></td></tr></tbody></table></td></tr></tbody></table><table align="center" width="100%" border="0" cellPadding="0" cellSpacing="0" role="presentation" style="background-color:rgb(30,41,57);border-bottom-right-radius:1rem;border-bottom-left-radius:1rem;padding-right:2rem;padding-left:2rem;padding-bottom:2rem;padding-top:2rem"><tbody><tr><td><table align="center" width="100%" border="0" cellPadding="0" cellSpacing="0" role="presentation" style="margin-bottom:1.5rem"><tbody style="width:100%"><tr style="width:100%"><td data-id="__react-email-column" style="text-align:center"><img alt="ClearShield Insurance" height="30" src="/static/company-logo.png" style="display:block;outline:none;border:none;text-decoration:none;margin-right:auto;margin-left:auto;margin-bottom:1rem;opacity:80%" width="120"/><p style="font-size:0.75rem;line-height:1.625;color:rgb(153,161,175);margin:0rem;margin-top:0rem;margin-bottom:0rem;margin-left:0rem;margin-right:0rem">ClearShield Insurance Inc. — 240 Park Avenue, Suite 1800<br/>New York, NY 10169, United States</p></td></tr></tbody></table><hr style="width:100%;border:none;border-top:1px solid #eaeaea;border-color:rgb(54,65,83);margin-bottom:1.25rem;margin-top:1.25rem"/><table align="center" width="100%" border="0" cellPadding="0" cellSpacing="0" role="presentation" style="margin-bottom:1rem"><tbody style="width:100%"><tr style="width:100%"><td data-id="__react-email-column" style="text-align:center"><a href="https://clearshield.com/account" class="hover_text-white" style="color:rgb(153,161,175);text-decoration-line:none;font-size:0.75rem;line-height:1.3333333333333333;margin-right:0.75rem;margin-left:0.75rem" target="_blank">My Account</a><a href="https://clearshield.com/support" style="color:rgb(153,161,175);text-decoration-line:none;font-size:0.75rem;line-height:1.3333333333333333;margin-right:0.75rem;margin-left:0.75rem" target="_blank">Support Center</a><a href="https://clearshield.com/privacy" style="color:rgb(153,161,175);text-decoration-line:none;font-size:0.75rem;line-height:1.3333333333333333;margin-right:0.75rem;margin-left:0.75rem" target="_blank">Privacy Policy</a><a href="https://clearshield.com/terms" style="color:rgb(153,161,175);text-decoration-line:none;font-size:0.75rem;line-height:1.3333333333333333;margin-right:0.75rem;margin-left:0.75rem" target="_blank">Terms of Service</a></td></tr></tbody></table><table align="center" width="100%" border="0" cellPadding="0" cellSpacing="0" role="presentation"><tbody style="width:100%"><tr style="width:100%"><td data-id="__react-email-column" style="text-align:center"><p style="font-size:0.75rem;line-height:1.625;color:rgb(106,114,130);margin:0rem;margin-top:0rem;margin-bottom:0rem;margin-left:0rem;margin-right:0rem">This email was sent to sarah.johnson@email.com because you hold an active policy with ClearShield Insurance. This is a service notification and cannot be unsubscribed from, as it contains important information about your coverage.</p><p style="font-size:0.75rem;line-height:1.3333333333333333;color:rgb(106,114,130);margin:0rem;margin-top:0.5rem;margin-bottom:0rem;margin-left:0rem;margin-right:0rem">To update your communication preferences,<!-- --> <a href="https://clearshield.com/preferences" style="color:rgb(81,162,255);text-decoration-line:underline" target="_blank">visit your account settings</a>.</p><p style="font-size:0.75rem;line-height:1.3333333333333333;color:rgb(74,85,101);margin:0rem;margin-top:0.75rem;margin-bottom:0rem;margin-left:0rem;margin-right:0rem">© 2026 ClearShield Insurance Inc. All rights reserved.</p></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table><!--/$--></body></html>