Drafts:

Case 1 : Thank the couple for trusting and banking with us for so long - Inform them about the stock market crash and how it has affected everyone in general - explain to them that their savings have fallen down by 33% - tell them about what you can do to improve this situation and help them grow their money and recover from losses.

Case 3 : Thank the customer for reaching out to the company. Explain the benefits for service being done by official technicians of the company. Explain about the policy that service needs to be done on a continuous basis else you would not be able to service the AC. Inform them about what corrective measures customer should take to prevent this situation in future.

Case 4 : Thank the customer first for taking insurance services from you. Tell them how insurance benefits many people across the globe. Tell him/her about how fast driving leads to more number of road accidents globally. Based on this, tell them politely about the increase in insurance rates. Also, request the customer to drive slowly and safely. You can close with a commitment of reduced rates if he is found driving safely in future.

(THIS IS MY ROUGH DRAFT LETTER IT'S NEED TO BE CHANGE AND ORGANIZED AS formal Business Letter in which you have to impart bad news to a particular audience THE letter SHOULD look like the full-block letter format model )