Xpersona
agentCLAWHUBUnverified

Insurance Private Domain Ops

提供保险行业存量客户分层、脱保激活和续期促成策略，支持私域运营和代理人赋能。 Skill: Insurance Private Domain Ops Owner: gechengling Summary: 提供保险行业存量客户分层、脱保激活和续期促成策略，支持私域运营和代理人赋能。 Tags: CRM:1.1.0, china-insurance:1.1.0, chinese-market:1.1.0, churn:1.1.0, crm:1.1.0, customer-lifecycle:1.1.0, customer-ops:1.0.0, customer-retention:1.1.0, insurance:1.1.0, insurance-ops:1.1.0, insurance-private-domain-ops:4.1.2, latest:4.1.2, private-domain:1.1.0, renewal:1.1.0, wechat:1.1.0 Version history: v4.1

OpenClaw
View on ClawHubHomepage

Rank

62

Safety

84

Downloads

1.3k

Updated

Oct 10, 2026

Version

4.1.2

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
4.1.2release · observed Sep 16, 2026
Handshake status
UNKNOWNsecurity

Install and run

Setup complexity: low.

clawhub skill install s17ewqc4f2s6gpcbm88hy7fgvn85kg1g:insurance-private-domain-ops
  1. 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.
  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-private-domain-ops/snapshot"

Documentation

CLAWHUB

112,897 characters of source documentation, loaded on request.

Extracted files

3 files captured from the source.

SKILL.md

---
name: Insurance Private Domain Operations Expert
description: AI-powered insurance private domain (wechat ecosystem) customer operations skill — RFM + lifecycle customer segmentation, churned customer reactivation SOP, renewal management, enterprise WeChat (WeCom) operations, AI personalization, and data-driven CRM strategy. Built for China life insurance companies with 300万+ insured clients. Covers 2025-2026 WeChat ecosystem updates, AI-powered customer journey optimization, and PIPL-compliant data operations. Keywords: insurance, private domain, WeChat, CRM, customer retention, churn, renewal, China insurance, SCRM, AI personalization, 私域运营, 客户盘活, 企微运营, 脱保客户, 续期管理, 客户生命周期, 精准营销, 社群运营, 朋友圈营销, VIP客户管理.
version: "4.1.2"
slug: insurance-private-ops
---

# Insurance Private Domain Operations Expert / 保险私域运营专家

## 数据最小化与合规前置声明（每次运营动作前默认生效）

- **最小化录入**：做客户分层、话术生成、触达排期时，只提供**聚合口径与脱敏标签**（如"45-55 岁女性、年缴 1.2 万、2 张有效保单"）。**不要批量粘贴真实姓名、手机号、身份证号、保单号**到对话中。
- **名单导出须审批**：任何"优先激活名单""高价值客户名单"的生成，都属于个人信息处理活动，须在本机构授权范围内进行，并按最小必要原则限制字段。
- **触达内容先预览后发送**：本 Skill 生成的短信、企微话术、朋友圈文案、外呼脚本，先在对话中完整呈现，**经合规/运营负责人确认后再群发**；涉及收益演示、保障承诺的表述必须先过合规审核。
- **能力边界**：本 Skill 未配置对接企微、短信网关或 CRM 系统的工具，不代为发送任何消息、不导出文件、不写入数据库。文中话术与流程为**供用户在本机构系统中参考使用的材料**。
- **营销合规红线**：不得承诺保本保收益、不得使用绝对化用语、不得冒用人工身份（AI 外呼须自报 AI 身份）、不得对已明确拒绝的客户重复营销。

### 保险监管最新动态 [2026-06-15更新]

| 动态类型 | 内容摘要 | 发布时间 | 影响范围 |
|---------|---------|---------|---------|
| 监管发布 | NFRA 2026年第2号令：《银行保险机构许可证管理办法》6月1日施行 | 2026-06 | 私域运营话术需更新许可证信息查询引导 |
| 监管发布 | 许可证换证过渡期2026.6-2028.5，合规管理流程升级 | 2026-06 | 客户服务流程需适配新许可证体系 |
| 监管动态 | 2026年4月：惠民保统一标准，私域运营推荐组合为医保+惠民保+百万医疗 | 2026-04 | 私域运营话术和推荐逻辑需更新 |
| 监管动态 | 异地就医简化（省内直接结算），可作为私域运营的获客切入点 | 2026-H1 | 获客策略优化 |

> **数据截止**: 2026-06-15 | 来源：国家金融监督管理总局、政府网、金融新闻网
> **声明**: 以上动态供参考，具体以官方最新发布为准

> **English:** AI-powered insurance private domain operations expert — the definitive skill for managing insurance customer lifecycle in China's WeChat ecosystem. Covers RFM + lifecycle dual-dimension customer segmentation, churned customer (40% lapse rate) reactivation, renewal management, enterprise WeChat operations, and CRM strategy. Built for China life insurance companies with 300万+ clients (150万 Huimin Bao group insurance members included).
>
> **中文:** 保险私域运营专家——中国保险行业存量客户私域运营垂直Skill。覆盖RFM+生命周期双维客户分层、脱保客户（40%流失率）激活、续期促成、企微运营、CRM策略。适用：寿险公司私域运营负责人、个险/团险客户运营、保险经代公司客户服务中心。存量300万客户的最佳运营工具。

---

## Trigger Keywords / 触发关键词

**English Triggers:** private domain operations, insurance private domain, customer churn, churned customer reactivation, customer segmentation, RFM model, CRM operations, enterprise WeChat, WeCom, renewal management, customer lifecycle, insurance retention, WeChat ecosystem

**中文触发词（优先）：** 私域运营、私域激活、脱保客户盘活、客户分层、客户分群、存量客户激活、续期促成、客户生命周期管理、企微运营、CRM运营、保险SCRM、1v1顾问转化、保险客户标签体系

**典型任务示例（新增）：** 设计季度存量客户激活排期、为某分层客群写企微 1v1 话术、续期成功率下滑归因、团险惠民保成员的个险转化路径、营销短信合规自查

---


### 保险监管最新动态 [2026-06-28更新]

| 动态类型 | 内容摘要 | 发布时间 | 影响范围 |
|---------|------

_meta.json

{
  "ownerId": "kn74e704j3ygjcygnpf02rdvd185js13",
  "slug": "insurance-private-domain-ops",
  "version": "4.1.2",
  "publishedAt": 1789537117583
}

skill-card.md

## Description:

Provides insurance customer segmentation, churn reactivation, renewal management, WeChat private-domain operations, AI-assisted personalization, and privacy-aware CRM guidance for China life insurance 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:

External insurance operations, CRM, and agency teams use this skill to plan private-domain customer lifecycle operations, segment insured customers, draft compliant outreach, and review renewal or reactivation workflows. It is advisory and should be reviewed by qualified compliance staff before use in marketing or customer communications.

### Deployment Geography for Use:

China

## Known Risks and Mitigations:

Risk: Users may paste real customer personal information into prompts while performing segmentation, outreach planning, or renewal analysis.

Mitigation: Use only aggregated or de-identified labels and avoid names, phone numbers, identity numbers, policy numbers, and other direct identifiers.

Risk: Generated insurance marketing, renewal, or reactivation content may be incomplete, outdated, or unsuitable for a regulated communication.

Mitigation: Require review by qualified compliance or operations staff before sending customer-facing content, especially content involving benefits, guarantees, suitability, AI calling, or opt-out handling.

Risk: The skill may be mistaken for connected CRM automation.

Mitigation: Treat outputs as advisory templates and operating guidance only; use approved internal systems for message delivery, list export, audit logging, and database changes.

## Reference(s):

- [ClawHub skill page](https://clawhub.ai/gechengling/skills/insurance-private-domain-ops)

## Skill Output:

**Output Type(s):** [text, markdown, guidance, configuration]

**Output Format:** [Markdown guidance, tables, SOPs, outreach drafts, checklists, and analysis]

**Output Parameters:** [1D]

**Other Properties Related to Output:** [Produces advisory content only; it does not send messages, export files, connect to CRM systems, or write databases.]

## Skill Version(s):

4.1.2 (source: server release evidence and artifact frontmatter)

## 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": [
    {
      "factKey": "vendor",
      "category": "vendor",
      "label": "Vendor",
      "value": "Clawhub",
      "href": "https://clawhub.ai/gechengling/skills/insurance-private-domain-ops",
      "sourceUrl": "https://clawhub.ai/gechengling/skills/insurance-private-domain-ops",
      "sourceType": "profile",
      "confidence": "medium",
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      "sourceType": "contract",
      "confidence": "medium",
      "observedAt": "2026-10-10T20:33:03.360Z",
      "isPublic": true
    },
    {
      "factKey": "traction",
      "category": "adoption",
      "label": "Adoption signal",
      "value": "1.3K downloads",
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      "sourceUrl": "https://clawhub.ai/gechengling/insurance-private-domain-ops",
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      "confidence": "medium",
      "observedAt": "2026-10-10T20:33:03.360Z",
      "isPublic": true
    },
    {
      "factKey": "latest_release",
      "category": "release",
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      "sourceUrl": "https://clawhub.ai/gechengling/insurance-private-domain-ops",
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    {
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  "events": [
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      "description": "v4.1.2: 新增数据最小化与营销合规前置声明；RFM表增常见误判列+评分示例；生命周期表增触达频次与渠道两列+应用示例；激活时机表增响应率区间与话术示例；新增渠道选择对照表与SOP排期示例；续期节点责任看板与下滑归因示例；内容矩阵增频次与合规审核两列；AI工作流增合规校验与留痕节点；PIPL表增检查要点与违规后果+合规自查示例；新增场景D/E与常用指令；更新至2026-09-16",
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    }
  ]
}

Record generated Oct 10, 2026.

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