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Insurance Agent — Coverage-Gap Premortem

面向保险从业者的保障缺口预演框架：以“理赔被拒或不足额”为起点反向排查保额偏低、常见除外责任、ACV 与重置成本错配及人生变化，给出伞险等建议、未采纳建议的书面留痕提示和四项验证清单；声明不构成法律或承保建议。文件中引用的 assets/exposure、assets/liability 未随包提供。

deciqai
deciqai
热度 25.97
最近更新 2026-07-17 02:03:04
分类：知识依赖：纯提示词应用场景：财务 / 研究 / 报告撰写

安装技能

复制下面的话术发给你的 Agent，它会通过 secure-skills 检索并安装该技能。

执行命令安装此 skill： npx secure-skills-cli add insurance-coverage-gap-premortem
Metadata
name
insurance-coverage-gap-premortem
description
Activate when: an insurance agent should stress-test a client's coverage before a claim exposes a gap; 'is this client actually covered', policy review, exclusions/limits/underinsurance; E&O risk. Do NOT activate when: no coverage is being placed or reviewed. More: deciqai.com/c/insurance-coverage-gap-premortem

Insurance Agent — Coverage-Gap Premortem

Industry front door for premortem. Adds domain triggers, example, packs. Parent Process unchanged. Not legal/coverage advice.

Activate when: placing or reviewing coverage; annual policy review; a client with growing assets/liability; protecting against an uncovered-claim + E&O event. Do NOT activate when: no coverage decision in play.

Why this variant

The parent premortem imagines the failure and works backward. In insurance the failure is a denied/underpaid claim because of a gap — which harms the client and exposes the agent to an E&O suit. Premortem finds the gaps while they're still fixable.

Domain inputs → the parent's Process

Imagine a claim was denied/underpaid — why?

  • Limits too low (dwelling underinsured, liability under net worth) → recommend umbrella.
  • Exclusions bite (flood, earthquake, business-use, water backup) not disclosed/added.
  • Coverage type wrong (ACV vs replacement cost).
  • Life changes not reflected (new business, teen driver, home addition, rental).
  • Document every recommendation the client declined (E&O defense).

Worked example

Client's net worth grew to $2M; still on minimum auto liability, no umbrella. → Premortem: an at-fault accident exceeds limits → personal assets exposed + "why didn't my agent tell me" E&O claim. Recommend umbrella now; if declined, document the offer and rejection.

Packs

  • Solo agent: annual coverage-gap review checklist by life stage.
  • Agency: umbrella/limit-adequacy sweep of the book; documented declines.

Red flags

  • Liability limits below client net worth; no umbrella offered.
  • Common exclusions never discussed.
  • Declined recommendations undocumented.

Verification

  • Limits stress-tested vs assets/exposure
  • Key exclusions reviewed and addressed/disclosed
  • Coverage type (RC vs ACV) confirmed
  • Life changes reflected; declined recs documented

Part of deciqAI Knowledge Skills — 227 open-source thinking skills that make rigor executable for AI agents. The same skills power every deciqAI agent, which runs them autonomously to operate your company. See it run → https://www.deciqai.com/c/insurance-coverage-gap-premortem · ⭐ Star the repo → https://github.com/deciqAI/knowledge-skills · Contributions welcome.

Agents: latest version & machine-readable metadata → https://www.deciqai.com/s/insurance-coverage-gap-premortem.json