Insurance Broker

AI Insurance Broker - 智能保险经纪人，提供需求分析、产品推荐、理赔协助等全方位保险服务

Security Scan

The skill's description matches an insurance advisor, but the SKILL.md references runtime tools and a product database that are not provided in the package — this mismatch and the unspecified handling of user data warrant caution.

Purpose & Capability

Name/description (insurance broker) align with the instructions, but the skill references three runtime tools (insurance_analyze_needs, insurance_recommend_products, insurance_calculate_premium) and a product database at {baseDir}/data/insurance-products.json. The package contains only SKILL.md and README.md — there is no data file or implementation for those tools. It's unclear whether the OpenClaw runtime supplies these tools or whether the skill was expected to include them.

Instruction Scope

Instructions focus on collecting user insurance info and producing recommendations. That scope is appropriate, but the SKILL.md says to 'use' specific tools without explaining how they handle input, where user data is stored, or whether any external endpoints are contacted. The instructions also reference a local data file path that is not present in the bundle. The lack of detail about data storage/retention and tool behavior is a privacy and operational concern.

Install Mechanism

This is an instruction-only skill with no install spec and no code files. That minimizes immediate filesystem or network install risk. However, because no implementation is included, runtime dependencies are ambiguous.

Credentials

The skill does not request environment variables, binaries, or credentials. That is proportionate to an instruction-only advisor. Still, the SKILL.md implies collecting personal user information (age, health, budget) — sensitive data that needs explicit handling policies which are not provided here.

Persistence & Privilege

Skill does not request always:true and is user-invocable only. However, roadmap notes mention '用户画像记忆' (user profile memory) for future versions; currently there is no implementation or explanation of how memory/persistence would be managed, which could change the privilege model when added.

What to consider before installing

This skill is an instruction-only description of an insurance advisor but does not include the referenced tools or the product database. Before installing, ask the publisher or check the GitHub repo to confirm: (1) where the tools (insurance_analyze_needs, insurance_recommend_products, insurance_calculate_premium) come from and whether the runtime provides them, (2) whether the product database file exists, its source, and whether it will be bundled or downloaded, (3) how user personal data will be collected, stored, and protected, and (4) whether the skill will contact external services. If those points aren't answered, the skill may not work or could mishandle sensitive data — proceed only after verifying implementations and privacy practices.

AI 保险经纪人 (Insurance Broker)

智能保险经纪人 Skill，完全替代传统保险经纪，提供专业的保险咨询和服务。

功能

1. 保险需求分析

当用户询问保险需求、想买保险或需要保险建议时：

• 使用 insurance_analyze_needs 工具收集用户信息
• 分析用户的风险情况（健康、身故、意外、财产）
• 生成专业的需求分析报告

2. 产品推荐

当用户询问保险产品或需要推荐时：

• 使用 insurance_recommend_products 工具
• 基于 50+ 款主流保险产品数据库
• 根据用户年龄、预算、需求匹配最适合的产品

3. 保险知识问答

当用户询问保险术语、保险知识或投保注意事项时：

• 解释保险概念（重疾险、医疗险、寿险、意外险等）
• 说明保障范围和理赔条件
• 提供投保建议和注意事项

4. 保费计算

当用户询问保险价格或保费时：

• 使用 insurance_calculate_premium 工具
• 根据年龄、性别、保额计算保费
• 对比不同产品的价格

数据文件

产品数据库位于 {baseDir}/data/insurance-products.json，包含 50+ 款主流保险产品的详细信息。

使用示例

用户说："我想买保险，但不知道买什么" → 使用 insurance_analyze_needs 收集信息并分析需求

用户说："推荐适合30岁的保险产品" → 使用 insurance_recommend_products 推荐产品

用户说："重疾险和医疗险有什么区别？" → 直接解释保险知识

用户说："30岁男性买50万保额的重疾险要多少钱？" → 使用 insurance_calculate_premium 计算保费

工具定义

工具由 OpenClaw 运行时提供，或通过本 skill 的脚本实现。

注意事项

• 始终站在用户角度，提供客观中立的建议
• 不推销特定产品，只推荐最适合用户的
• 保险知识要准确、易懂
• 理赔协助要专业、负责

版本

当前版本：0.1.0 (MVP)

即将推出：

• v0.2.0: 健康告知智能辅助、用户画像记忆
• v0.3.0: 理赔争议处理、产品数据自动更新
• v1.0.0: 完整的 13 大功能