Personal letters can be divided into two broad categories, based on the intended recipient: person-to-person letters and person-to-business letters.
It is important to note that a lot of confusion exists as to what are true personal letters and what are NOT personal letters. For example, a "cover letter" used to transmit a report is NOT a personal letter - it is a business letter. On the other hand, a "cover letter" for a resume or . IS a personal letter.
Letters that some people loosely define as personal letters which are NOT personal letters at all include: covering letters, employee letters, introduction letters, marketing letters, publicity letters, project letters, customer relation letters, financial and credit letters, order-related letters, sales and marketing letters, follow-up letters, announcements, fundraising letters, among others.
The links below will take you to typical sample letter templates for the two primary categories of personal letters:
"Person-to-person letters are letters that one individual sends to another individual that deal with personal matters, as opposed to business matters."
The following links go to real-life templates of the most commonly requested person-to-person letters:
Character reference letter - personal friend/colleague reference.