Write a proposal cover note

I work in marketing at an insurance broker. Help me write the note that goes with a proposal or quote.

Context: The note sits on top of a quote, a policy summary and a statement of the client's demands and needs. Those documents carry the detail the client will rely on.

Before you start, ask me for anything missing from this list:
- The proposal summary
- What they said mattered most
- The next step and any deadline

Then:
1. Open with what they told us they need.
2. Say what we will do and what it costs in two sentences.
3. State the next step.

Give me:
- A cover note under 150 words

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:
- That the note matches the quote on cover, limits, excess and premium
- Why this insurer was recommended, as the file records it
- Fees and commission shown as our terms of business state