# Understanding an excess email template

> Explore this understanding an excess email template for home and utilities. Preview its story, three clear sections, and two actions.

Source: https://design.moosewave.com/templates/understanding-an-excess-email-template/

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Marketing Guide & education

# Understanding an excess email template

An insurance explainer about a widely misunderstood figure.
Illustrative example. Replace the fictional sender, dates, amounts, locations, and account details before use.
**Best for**
: An insurance explainer about a widely misunderstood figure
**Structure**
: Campaign context · Headline and editorial premise · Three skimmable sections
**Style**
: invitation · grotesk
**Industry fit**
: Home & utilities
Responsive design preview

## See the message before you make it yours.

Compare the desktop and mobile compositions, or unfold the full design. The complete starting copy remains readable below.
Want to change the copy and style?

## Try one of the editable browser templates.

This page is a read-only reference. The five hands-on studios let you edit a local preview, compare desktop and mobile, and review every change before continuing.
Message anatomy

## A useful starting point, with the important parts named.

A policy with a two-hundred-pound voluntary excess often also carries a compulsory one. A claim costs both, and comparison sites frequently show only the voluntary figure.

### What you can change

- Brand name
- Subject line
- Preheader
- Eyebrow
- Headline
- Supporting copy
- Primary action label
- Primary action URL

### What to keep clear

- Campaign context
- Headline and editorial premise
- Three skimmable sections
- Primary and secondary action
- Preference and unsubscribe footer
Complete starting copy

## Read it as text, not only as a picture.

**From**
: Buckworth Briefing
**Subject**
: There are usually two excesses, not one
**Preheader**
: Compulsory and voluntary. They add together.
Explainer

### Two figures add together, and quotes usually show one

A policy with a two-hundred-pound voluntary excess often also carries a compulsory one. A claim costs both, and comparison sites frequently show only the voluntary figure.

#### The two figures

Compulsory, set by the insurer, and voluntary, chosen by you to lower the premium. A claim costs the sum of both.

#### Why it matters

A three-hundred-pound voluntary excess plus a two-hundred compulsory one means no claim under five hundred is worth making.

#### Where to check

The policy schedule rather than the quote. The compulsory figure is always stated there and is not always shown when comparing.
Moosewave MCP

## Give an agent the structure, the job, and a stopping point.

The brief asks for a new draft and stops before send.

**Read the complete brief**
Connected work

## Take the design beyond the canvas.

Keep exploring

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