Benefit Calc

Calculate insurance benefit payouts, coverage amounts, and premiums. Handles life insurance sum assured, health insurance reimbursement, critical illness lum...

Security Scan

The skill's requirements and instructions align with its stated purpose (insurance benefit and premium calculations); nothing requested or instructed is disproportionate or unrelated.

Purpose & Capability

Name, description, and runtime instructions all describe computing insurance payouts, coverage needs, and premiums. The skill requests no unrelated binaries, environment variables, or config paths.

Instruction Scope

SKILL.md limits behavior to collecting user-provided inputs (age, income, expenses, dependents, sum assured) and applying actuarial formulas, showing steps, and doing sensitivity analysis. It does not instruct reading system files or external endpoints. Note: it does not provide guidance about handling sensitive personal/financial data or accuracy/disclaimer text — consider adding privacy and liability instructions.

Install Mechanism

Instruction-only skill with no install spec and no code files — nothing is written to disk or downloaded during install.

Credentials

No environment variables, credentials, or config paths requested. The skill only asks for user-supplied inputs at runtime, which is proportional to its purpose.

Persistence & Privilege

always is false and there are no special persistence or system-wide config changes requested. The skill can be invoked autonomously (platform default), which is expected for a utility skill and does not alone indicate elevated privilege.

Assessment

This skill appears coherent and only needs personal/financial inputs to run. Before installing, consider: 1) privacy — avoid pasting highly sensitive identifiers (SSNs, account numbers); provide only the minimum facts needed or test with anonymized/example data; 2) accuracy — the skill will apply formulas and heuristics; for high‑stakes decisions (large policies, legal/regulated contexts) verify results with a licensed actuary or insurer; 3) units and assumptions — confirm currency, time units, and mortality/interest assumptions used; and 4) add explicit disclaimers and data-handling instructions if you plan to use it with real customer data. The agent's ability to invoke skills autonomously is the platform default — if you want to restrict that, adjust your agent settings.

Benefit Calculator

Calculate insurance payouts, required coverage amounts, and premium estimates based on user inputs. Covers life, health, critical illness, disability, and annuity calculations.

When to Use

• User asks "how much life insurance do I need?"
• User wants to calculate expected reimbursement for a medical expense
• User wants to know how much critical illness cover to buy
• User asks about expected annuity income from a retirement policy
• User wants to estimate premium for a given coverage amount

How to Use

1. Identify calculation type (coverage needed / payout expected / premium estimate)
2. Collect required inputs (income, expenses, dependents, age, sum assured, etc.)
3. Apply standard actuarial formulas or rule-of-thumb benchmarks
4. Show calculation steps transparently
5. Present result with context (is this enough? industry benchmark?)
6. Offer sensitivity analysis (what if income increases / expenses change?)

Examples

• "How much life insurance do I need? I earn ¥300,000/year with a wife and two kids"
• "If I'm hospitalized for 5 days at ¥2000/day, how much will my insurance pay?"
• "How much critical illness cover should a 40-year-old have?"