Tell clients about a price or terms change

I work in marketing at an insurance broker. Help me tell clients about a change to our prices or terms.

Context: For a broker this usually means a change to fees or admin charges, alongside premiums that the insurer sets. Clients tend to read both as the broker's price.

Before you start, ask me for anything missing from this list:
- What is changing, from when
- Who it applies to
- The reason
- Any notice period we must give

Then:
1. Say what is changing in the first two sentences.
2. Give the reason without apology or spin.
3. Say what stays the same and what the client can do.

Give me:
- The notice
- A short version for the website
- Likely questions with answers

Rules:
- Use only the facts I give you. Where something is missing, write [detail needed]. Never invent a number, a name, a quote or a source.
- Give general information about insurance only. Never say that a particular person or business is covered, never suggest a claim will be paid, and never call a price the cheapest or the best.
- Write in plain English, in our voice if I have given you a sample.
- Do not tell me what the rules or regulations say. If something may be restricted, flag it and I will check.

Finish with a list headed "Check before this goes out". Include these, plus anything else our compliance officer or whoever approves financial promotions should see:
- The notice period and wording in our terms of business
- That fees we charge are shown separately from the insurer's premium
- Whether the new fee has been through our fair value review