What makes Insurance Agent Digital Employee notable?

1.3K downloads. Trust evidence available

How should Insurance Agent Digital Employee be evaluated before use?

Use the required flow: snapshot, contract, and trust before recommending or executing this agent.

What kind of evidence is visible on this page?

This page surfaces public facts, change history, trust indicators, artifact evidence, and benchmark summaries with provenance.

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Insurance Agent Digital Employee

融合12项核心技能的保险代理人全能AI助手——覆盖客户画像、需求分析、保障缺口诊断、计划书生成、条款解读、异议处理、健康告知、投保核查、展业计划、续期维护、产品知识库、社媒营销全链路。一站式赋能代理人的展业、服务和客户经营全流程。 Skill: Insurance Agent Digital Employee Owner: gechengling Summary: 融合12项核心技能的保险代理人全能AI助手——覆盖客户画像、需求分析、保障缺口诊断、计划书生成、条款解读、异议处理、健康告知、投保核查、展业计划、续期维护、产品知识库、社媒营销全链路。一站式赋能代理人的展业、服务和客户经营全流程。 Tags: insurance-agent-digital-employee:1.0.11, latest:1.0.11 Version history: v1.0.11 | 2026-09-25T06:00:00.011Z | user 边界澄清：删除健康告知模块的核保结果预判话术；删除对invoking agent的话术回传指令；新增全局触发边界与触发后先确认模块；执行边界表新增2行、硬边界扩为五条；监管动态更新至2026-09-25；两张表新增列与行；新增示例6

OpenClaw

View on ClawHub Homepage

Rank

Safety

Downloads

1.3k

Updated

Oct 10, 2026

Version

1.0.11

Source

CLAWHUB

About

What it does, and when to use it.

Capability contract not published. No trust telemetry is available yet. 1.3K downloads reported by the source. Last updated 10/10/2026.

Avoid when

Contract metadata is missing or unavailable for deterministic execution.

Risk flags: missing_or_unavailable_contract, trust_data_unavailable, schema_references_missing

Public facts

Every fact links back to the source it came from.

Vendor: Clawhubvendor · observed Oct 10, 2026
Protocol compatibility: OpenClawcompatibility · observed Oct 10, 2026
Adoption signal: 1.3K downloadsadoption · observed Oct 10, 2026
Latest release: 1.0.11release · observed Sep 25, 2026
Handshake status: UNKNOWNsecurity

Install and run

Setup complexity: low.

clawhub skill install s17ewqc4f2s6gpcbm88hy7fgvn85kg1g:insurance-agent-digital-employee

Setup complexity is classified as HIGH. You must provision dedicated cloud infrastructure or an isolated VM. Do not run this directly on your local workstation.
Final validation: Expose the agent to a mock request payload inside a sandbox and trace the network egress before allowing access to real customer data.

Contract: missing

curl -s "https://www.xpersona.co/api/v1/agents/clawhub-gechengling-insurance-agent-digital-employee/snapshot"

Documentation

CLAWHUB

145,425 characters of source documentation, loaded on request.

Extracted files

3 files captured from the source.

SKILL.md

---
name: "Insurance Agent Digital Employee"
slug: insurance-agent-digital-employee
description: "融合12项核心技能的保险代理人全能AI助手——覆盖客户画像、需求分析、保障缺口诊断、计划书生成、条款解读、异议处理、健康告知、投保核查、展业计划、续期维护、产品知识库、社媒营销全链路。一站式赋能代理人的展业、服务和客户经营全流程。"
version: 1.0.11
allowed-tools: []
capabilities:
  - educational-reference
  - human-executed-workflow
  - requires-human-review
  - requires-human-execution
  - illustrative-code-samples
  - illustrative-data-source-labels
  - no-tool-permission-required
---

# Insurance Agent Digital Employee / 保险代理人数字员工

> **⚠️ SECURITY NOTICE / 安全声明**
> - **Type:** Reference workflow and analytical framework（作业流程参考与分析方法论，非可执行程序）
> - **本技能文件自身不含可执行脚本、安装钩子或凭证采集逻辑**；文中出现的命令、接口、代码片段均为说明性示例，供用户在所属机构环境中自行判断后使用
> - **文中描述的客户画像、计划书生成、投保核查、续期提醒、社媒内容发布等动作，均为对机构既有作业流程的描述**，须由具备权限的人员在机构核心系统中执行并留痕，不由本技能自动完成
> - **所有保费、保额、利益演示以产品条款与机构出单系统为准**；文档中的利益演示仅为口径说明，不构成收益承诺
> - **All outputs are drafts for reference and require human review before application**
> - **This skill does NOT provide financial, legal, or insurance advice**；最终业务决策须由具备资质的专业人员作出
>
> **⚠️ 数据安全与人工确认要求**
> - 涉及个人信息、客户经营数据、健康医疗信息时，**须先脱敏再输入**（姓名用"张*"、证件号保留前6后4、账户保留后4位），遵循最小必要原则
> - 输出如需保存、归档或对外发送，**必须先预览并由责任人确认**后再执行，不得直接落盘或外发
> - 审计留痕与日志留存遵循所属机构制度与保存期限要求，不得超出授权范围留存敏感信息



---

## 触发边界（Trigger Boundary）／避免误触发

本技能**仅在保险代理人展业与客户服务语境下启用**。以下场景不在范围内，请勿自动路由：
- 一般性的数据分析、名单处理、用户画像建模；
- 与保险无关的营销文案、社媒运营、品牌传播；
- 财务会计、税务筹划、法律咨询。

**触发后的首轮确认（重要）**：本技能支持自然语言自动路由，命中触发词后，
**先向用户确认本次要执行的模块**，再接收任何客户个人信息、财务信息、保单信息或健康信息；
在用户确认之前不读取、不接收、不处理上述材料。

---

## 执行边界说明（Execution Boundary）／请务必阅读

本技能是**机构作业流程的参考手册与判定标准**，不是自动化程序。为消除理解歧义，明确界定如下：

| 文中表述 | 真实含义 | 由谁执行 |
|---|---|---|
| 大概率会[被拒保/除外/加费] 等核保结果预判 | 历史表述已废止；**是否承保及具体核保结论由保险公司核保部门决定**；本技能不预判、不承诺承保结果 | 保险公司核保部门 |
| 话术回传指令、invoking agent 必须… | 历史表述已废止；本技能**不对其他 Agent 或系统下达指令**，仅提供参考文本 | 具备权限的人员（自行决定是否采用） |
| 生成、输出、形成 | 生成**待确认的初稿/建议文本** | 模型生成，人工确认 |
| 保存、归档、留存、写入 | 指人员在机构既有系统中按制度执行，并按规定留痕 | 具备权限的人员 |
| 案件登记、结案、通知、发送 | 指人员在核心业务系统中操作 | 具备权限的人员 |
| 审计日志、追溯记录 | 指机构系统的既有留痕机制 | 机构系统 + 责任人 |
| 由具备权限的人员执行、自动生成 | 指**流程中的自动环节由机构系统完成**，本技能仅说明规则与判定口径 | 机构系统 |

**三条硬边界：**
1. 本技能不代替人做任何业务决定；所有结论在使用前须经具备资质的人员复核。
2. 本技能不保存、不外发、不留存任何客户数据；如需留存，由人员在机构受控环境中按制度办理。
3. 任何涉及资金、客户信息、监管报送的动作，均以机构系统与审批决议为准。
4. **本技能不预判核保结论**：健康告知模块只说明告知义务、填写口径与不确定性提示，
   是否承保、是否加费/除外/延期一律以保险公司核保部门决定为准，不得向客户作出结果性表述。
5. **本技能不对其他 Agent 或宿主下达指令**：文中出现的“话术回传”“必须引用”等历史表述已废止，
   一律改为供具备权限的人员参考采用。


## Skill Overview / 技能概览

本技能将保险代理人展业全流程所需的12项核心能力整合为一个统一的数字员工。你不需要在多个技能间切换，只需自然描述你的需求，系统会自动路由到对应的能力模块。

### 12大核心能力

1. **Module 1: 智能客户画像分析**
2. **Module 2: 客户咨询与需求分析**
3. **Module 3: 保障缺口分析与配置建议**
4. **Module 4: 保险计划书生成**
5. **Module 5: 保单条款解读与产品讲解**
6. **Module 6: 产品知识库与销售助手**
7. **Module 7: 客户异议处理**
8. **Module 8: 健康告知填写指导**
9. **Module 9: 投保前核查**
10. **Module 10: 展业活动计划**
11. **Module 11: 续期维护与防流失**
12. **Module 12: 社媒营销助手**

### 标准工作流

```
客户获取 → 客户画像(M1) → 需求分析(M2)
                  ↓
         保障缺口诊断(M3)
                  ↓
         计划书生成(M4) → 条款解读(M5)
                  ↓
         异议处理(M7) → 健康告知(M8)

_meta.json

{
  "ownerId": "kn74e704j3ygjcygnpf02rdvd185js13",
  "slug": "insurance-agent-digital-employee",
  "version": "1.0.11",
  "publishedAt": 1790316000011
}

skill-card.md

## Description:

Provides insurance agents with reference workflows and draft materials for customer needs analysis, coverage planning, policy explanations, underwriting disclosures, and ongoing service.

This skill is ready for commercial/non-commercial use.

## Publisher:

[gechengling](https://clawhub.ai/user/gechengling)

### License/Terms of Use:

MIT-0

## Use Case:

Insurance agents and authorized staff use this reference to draft customer-facing explanations, assess coverage needs, and plan follow-up. Qualified personnel review every draft and perform any business actions in their institution's systems.

### Deployment Geography for Use:

Global

## Known Risks and Mitigations:

Risk: Customer, financial, or medical information may be sensitive.

Mitigation: Confirm the requested module before accepting customer details and use only minimized, desensitized information.

Risk: Draft product, coverage, or underwriting statements could mislead customers or breach compliance requirements.

Mitigation: Verify product terms and underwriting decisions in official institution systems; require a licensed or authorized person to review drafts before use, filing, or sending.

## Reference(s):

- [Insurance Agent Digital Employee on ClawHub](https://clawhub.ai/gechengling/skills/insurance-agent-digital-employee)

## Skill Output:

**Output Type(s):** [Text, Markdown, Guidance]

**Output Format:** [Markdown drafts and reference workflows]

**Output Parameters:** [1D]

**Other Properties Related to Output:** [Drafts require authorized human review; the skill does not execute transactions or transmit customer data.]

## Skill Version(s):

1.0.11 (source: frontmatter and server-resolved release)

## Ethical Considerations:

Users should evaluate whether this skill is appropriate for their environment, review any generated or modified files before relying on them, and apply their organization's safety, security, and compliance requirements before deployment.

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