Risk Profile

Assess a user's personal risk profile to identify their biggest financial, health, and lifestyle risks and recommend appropriate insurance and protection str...

Security Scan

The skill's requests and instructions are coherent with its stated purpose (personal risk assessment and insurance recommendations); it is instruction-only, asks for typical user-provided personal data, and does not request unrelated credentials, installs, or system access.

Purpose & Capability

Name and description match the runtime instructions: conducting a questionnaire, scoring risks, mapping to insurance, and prioritizing protection strategies. There are no unrelated dependencies, binaries, or credentials required.

Instruction Scope

SKILL.md is narrowly scoped to asking about age, health, job, dependents, assets, debts, and lifestyle and then producing a prioritized protection plan. It does not direct the agent to read system files, environment variables, or send data to external endpoints. Note: it will require collection of sensitive personal data (health, finances) from the user — this is expected for the purpose but should be handled with privacy protections.

Install Mechanism

Instruction-only skill with no install spec and no code files — lowest-risk install profile (nothing is written to disk or installed).

Credentials

No environment variables, credentials, or config paths are requested. The lack of external API keys or system access is proportionate to the stated functionality.

Persistence & Privilege

always is false and the skill is user-invocable only. It does not request persistent or elevated system privileges.

Assessment

This skill looks coherent for producing a personal risk and insurance plan, but remember: (1) it will ask for sensitive personal information — do not provide highly sensitive identifiers (SSN, account passwords) unless you trust how data is stored/used; (2) this is general advice — verify regulatory or licensed-advisor requirements for insurance recommendations in your jurisdiction; (3) if you plan to deploy this skill widely, add explicit privacy, consent, and data-retention rules so users know how their responses are handled.

Evaluate a user's personal risk exposure across health, financial, and lifestyle dimensions. Generate a risk profile report and recommend prioritized insurance and protection strategies.

When to Use

• User wants to understand their personal risks
• User is starting insurance planning from scratch
• User asks "what risks should I be protecting against?"
• User wants to prioritize which insurance to buy first
• User has had a major life event and wants to reassess risk

How to Use

1. Conduct a risk assessment questionnaire: age, health status, job type, dependents, assets, debts, lifestyle habits
2. Score risks across categories: mortality, morbidity (illness/disability), property, liability, income disruption
3. Generate a risk profile with high/medium/low ratings per category
4. Map risks to appropriate insurance solutions
5. Prioritize by impact × probability
6. Provide a phased protection plan based on budget

Examples

• "Help me figure out what risks I should be insuring against"
• "I'm a freelancer with no employer benefits, what's my risk profile?"
• "I just had a baby, what risks do I now need to protect against?"