Xpersona
agentCLAWHUBUnverified

Insurance Digital Live

AI assistant for China insurance live streaming that generates compliant scripts, explains products, engages audiences, and optimizes sales conversion. Skill: Insurance Digital Live Owner: gechengling Summary: AI assistant for China insurance live streaming that generates compliant scripts, explains products, engages audiences, and optimizes sales conversion. Tags: banking:5.0.0, dianjin:5.0.0, finance:5.0.0, insurance:5.0.0, insurance-digital-live:5.0.2, latest:5.0.2 Version history: v5.0.2 | 2026-10-09T05:51:52.818Z | user 5.0.2: 重写Disclaimer并新增用途定位(SDI-4)；数据最小化与执

OpenClaw
View on ClawHubHomepage

Rank

62

Safety

84

Downloads

1.1k

Updated

Oct 11, 2026

Version

5.0.2

Source

CLAWHUB

About

What it does, and when to use it.

Capability contract not published. No trust telemetry is available yet. 1.1K downloads reported by the source. Last updated 10/11/2026.

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 11, 2026
Protocol compatibility
OpenClawcompatibility · observed Oct 11, 2026
Adoption signal
1.1K downloadsadoption · observed Oct 11, 2026
Latest release
5.0.2release · observed Oct 9, 2026
Handshake status
UNKNOWNsecurity

Install and run

Setup complexity: low.

clawhub skill install s17ewqc4f2s6gpcbm88hy7fgvn85kg1g:insurance-digital-live
  1. Setup complexity is LOW. This package is likely designed for quick installation with minimal external side-effects.
  2. 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-digital-live/snapshot"

Documentation

CLAWHUB

58,900 characters of source documentation, loaded on request.

Extracted files

3 files captured from the source.

SKILL.md

---
name: Insurance Digital Live Streaming Assistant
slug: insurance-digital-live
description: AI-powered insurance digital live streaming assistant — covers live script design, product explanation, audience interaction, compliance communication, and sales conversion optimization for insurance sales. Built for China insurance companies and agents. Keywords: insurance live streaming, insurance sales, digital marketing, insurance content, live selling, insurance promotion, 保险直播, 保险带货, 保险营销, 直播话术, 保险顾问, 数字人直播, 直播带货, 保险抖音直播, 保险视频号, 直播脚本, 话术优化.
version: "5.0.2"
---

# Insurance Digital Live Streaming Assistant / 保险数字人直播助手


### 保险监管最新动态 [2026-10-09更新]

| 动态类型 | 内容摘要 | 影响范围 |
|---------|---------|---------|
| 保险监管 | 2026年4月：产品分级告知要求，直播销售必须明确产品风险等级(P1-P5) | 数字直播合规话术模板需全面更新 |
| 保险监管 | 人身险演示利率下调(4.2%→3.5%)，直播话术需标注'非保证收益' | 数字直播合规话术模板需全面更新 |
| 保险监管 | 全程双录要求适用于所有线上销售渠道 | 数字直播合规话术模板需全面更新 |
| 新增·数字人 | 数字人直播被明确纳入线上销售可回溯管理，需留存形象授权、脚本审核与实际播出版本 | 数字人直播须建立脚本留痕与版本归档机制 |
| 新增·销售行为 | "报行合一"与禁止给予投保人合同外利益的要求持续从严，直播间不得以折扣、返现、赠礼诱导投保 | 促销类话术须改为服务与保障权益说明 |
| 新增·适当性 | 直播销售需核验观众风险承受能力与产品风险等级匹配，不得跨等级推荐 | 需在互动环节加入适当性提示与分流话术 |
| 新增·可回溯留痕 | 直播销售须留存脚本版本、审核记录与实际播出版本，且三者可对应 | 建立「脚本版本号—审核记录—播出录像」三件套归档 |
| 新增·内容标识 | 以数字人形象播出的内容须显著标识为人工智能生成，且不得借此规避责任主体披露 | 片头角标 + 口播身份披露双保险，并留存形象授权 |

> **数据截止**: 2026-10-09 | 来源：国家金融监督管理总局、安永Q1分析、行业公开信息
> **声明**: 以上动态供参考，具体以官方最新发布为准

**新动态解读（截至 2026-10-09）：**
- **线上销售可回溯**：直播带货不再只是"内容合规"，还要求销售行为可回溯——谁讲的、讲的是什么版本、观众看到了什么，都需留存。实操含义是：脚本必须先审后播，且每次改稿都要留版本号，不能临场口播未审核内容。
- **数字人身份披露**：以数字人形象开展直播时，观众应能知悉其为数字形象，且真人主播/机构对播出内容承担责任；数字人音色、形象涉及肖像权与声音权授权，须有书面依据。
- **促销表述收紧**：保险产品的费率与费用受"报行合一"约束，直播间常见的"保费打折""返现""买就送"存在被认定为给予合同外利益的风险，建议改为**增值服务、健康管理、理赔协助**等非价格权益的说明。
- 以上为公开信息综述，**具体条文与执行口径以国家金融监督管理总局及中国保险行业协会官方最新发布为准**。
- **三件套归档成为检查抓手**：脚本版本号、审核记录、实际播出版本三者缺一即视为可回溯不完整。实操顺序是：脚本定稿并编号 → 合规审核并留审核人/时间 → 按该版本播出 → 播出录像与脚本编号一并归档；临场改稿必须重新走一遍，不能事后补录。
- **数字人标识与责任主体并列**：仅标注「AI 生成」不足以履行披露义务，还应说明背后的服务机构与责任主体；数字人音色与形象涉及肖像权、声音权授权，须有书面依据并覆盖本次使用场景与期限。
- 以上新增条目为公开信息综述，**具体条文与执行口径以官方最新发布为准**。

> **English:** AI-powered insurance live streaming assistant — covers live scripts, product explanation, audience interaction, and sales conversion for insurance sales.
>
> **中文:** 保险数字人直播助手——覆盖直播话术、产品讲解、观众互动、合规沟通、销售转化。

---

## 用途定位与执行边界（Purpose & Boundary）

**本技能的实际用途（不含糊其辞）**：这是**保险销售支持类技能**，正文中的能力 4（销售转化）、私域引流路径、促单话术等，都是围绕保险产品线上销售与转化而设计的，属于销售支持用途。它**不是**中立的投资者教育材料，**也不是**面向消费者的通用科普内容。

| 内容 | 实际性质 | 使用前提 |
|------|---------|---------|
| 直播话术模板、促单话术 | 销售场景话术草稿 | 须经机构合规审核后方可使用 |
| 私域引流路径 | 销售线索承接流程 | 须符合机构客户信息保护与外呼/触达规范 |
| 合规清单、禁止表述清单 | 自查工具 | 不替代合规部门的审核结论 |
| 互动话术、关怀话术 | 客户关系维护文本 | 不得含承诺性表述与合同外利益 |
| 效果追踪指标 | 运营度量建议 | 指标口径须与机构数据口径一致 |

**硬边界**：不代为发布任何内容、不代为作出销售或承保结论、不代为签署或留存客户同意、不访问直播平台或客户数据、不代为承诺收益或理赔结果。

### 数据最小化前置声明

1. 不要把真实客户姓名、证件号、手机号、保单号、聊天截图粘贴进来；需要举例时用「客户A」等虚构化表述。
2. 直播间截图若要作为案例讨论，须先完成脱敏并取得书面同意，否则不得使用。
3. 涉及未公开的费率、费用率、内部活动方案，只描述结构不贴具体数字。
4. 本技能不接入直播平台、企微、社群或 CRM；所有素材由使用者自行提供，输出仅回显在对话中。
5. 生成的脚本如需落盘或送审，须先预览确认无未脱敏信息，再走机构审核流程。

### 代码块性质与执行边界

| 内容 | 性质 | 谁来执行 |
|------|------|---------|
|

_meta.json

{
  "ownerId": "kn74e704j3ygjcygnpf02rdvd185js13",
  "slug": "insurance-digital-live",
  "version": "5.0.2",
  "publishedAt": 1791525112818
}

skill-card.md

## Description:

Creates draft live-stream scripts, product explanations, audience responses, compliance checklists, and sales follow-up copy for mainland China insurance sales teams.

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 marketing or compliance teams use this skill to draft and review live-stream sales scripts, customer engagement copy, and follow-up messaging before institutional approval.

### Deployment Geography for Use:

Mainland China

## Known Risks and Mitigations:

Risk: Draft sales language or regulatory claims may be inaccurate or noncompliant.

Mitigation: Verify current rules against official or institutional sources and obtain institutional compliance approval before publishing.

Risk: Customer identifiers or screenshots shared for drafting may expose private information.

Mitigation: Use fictional examples; do not enter real identifiers or screenshots, and review drafts for sensitive details before use.

Risk: Lead-capture and follow-up wording may be used without required review.

Mitigation: Obtain compliance approval for lead-capture flows and follow-up messages before deployment.

## Reference(s):

- [Insurance Digital Live on ClawHub](https://clawhub.ai/gechengling/skills/insurance-digital-live)

## Skill Output:

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

**Output Format:** [Conversational text and Markdown drafts, templates, and checklists]

**Output Parameters:** [1D]

**Other Properties Related to Output:** [Drafts only; no publishing or access to customer systems.]

## Skill Version(s):

5.0.2 (source: frontmatter and ClawHub 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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Machine-readable data

The same record, as JSON, for agents and crawlers.

{
  "facts": [
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      "category": "vendor",
      "label": "Vendor",
      "value": "Clawhub",
      "href": "https://clawhub.ai/gechengling/skills/insurance-digital-live",
      "sourceUrl": "https://clawhub.ai/gechengling/skills/insurance-digital-live",
      "sourceType": "profile",
      "confidence": "medium",
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    },
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      "sourceUrl": "https://www.xpersona.co/api/v1/agents/clawhub-gechengling-insurance-digital-live/contract",
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      "isPublic": true
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      "sourceUrl": "https://clawhub.ai/gechengling/insurance-digital-live",
      "sourceType": "profile",
      "confidence": "medium",
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    },
    {
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      "category": "release",
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      "href": "https://clawhub.ai/gechengling/insurance-digital-live",
      "sourceUrl": "https://clawhub.ai/gechengling/insurance-digital-live",
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      "confidence": "medium",
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      "sourceType": "release",
      "confidence": "medium",
      "observedAt": "2026-10-09T05:51:52.818Z",
      "isPublic": true
    }
  ]
}

Record generated Oct 11, 2026.

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