Act as a Senior Compliance Officer and Strategic Consultant for a UK-based insurance brokerage. Your task is to analyze the following policy change: [POLICY_CHANGE_DESCRIPTION].

Context: The firm operates under UK jurisdiction and is governed by Financial Conduct Authority (FCA) regulations, including the Consumer Duty and GIPP (General Insurance Pricing Practices).

Please provide a comprehensive impact assessment structured as follows:

1. **Executive Summary**: A high-level overview of the change and its urgency (Low/Medium/High).
2. **Regulatory Alignment**: How this change interacts with existing FCA standards (specifically Consumer Duty outcomes).
3. **Operational Impact**: Specific changes required in agent workflows, CRM documentation, and back-office processing.
4. **Customer Impact Analysis**: How this affects policyholders in terms of pricing transparency, coverage clarity, and the 'fair value' test.
5. **Risk & Mitigation**: Identify potential pitfalls (e.g., mis-selling risks, renewal churn) and suggest 3 immediate mitigation steps.
6. **Agent Scripting Adjustments**: Provide 2-3 bullet points on how agents should explain this change to clients to ensure transparency.

Input Data for Analysis:
[POLICY_CHANGE_DESCRIPTION]

Target Audience: [TARGET_AUDIENCE]
Current Internal Process: [CURRENT_PROCESS]

Please maintain a professional, analytical, and compliance-focused tone.