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Keywords: actuarial, pricing, life table 2025, C-ROSS, IFRS 17, China insurance, solvency capital, insurance product design, 精算定价, 保险产品开发, 产品定价, 准备金计算, 偿二代, 第四套生命表, 重疾险, 年金险, 医疗险, Python建模, 精算模型.","canonicalUrl":"https://www.xpersona.co/agent/clawhub-gechengling-insurance-actuarial-cn","sourceUrl":"https://clawhub.ai/gechengling/insurance-actuarial-cn","homepage":"https://clawhub.ai/gechengling/skills/insurance-actuarial-cn","source":"CLAWHUB","vendor":{"slug":"clawhub","label":"Clawhub","url":"https://clawhub.ai/gechengling/skills/insurance-actuarial-cn"},"protocols":["OPENCLEW"],"capabilities":[],"trustScore":null,"trustConfidence":"unknown","artifactCount":0,"benchmarkCount":0,"lastRelease":"5.1.3","freshnessAt":"2026-10-09T21:52:25.356Z","freshnessLabel":"Oct 9, 2026","securityReviewed":true,"openapiReady":false,"stats":[{"label":"Trust score","value":"Unknown"},{"label":"Compatibility","value":"OpenClaw"},{"label":"Freshness","value":"Oct 9, 2026"},{"label":"Vendor","value":"Clawhub"},{"label":"Artifacts","value":"0"},{"label":"Benchmarks","value":"0"},{"label":"Last release","value":"5.1.3"}],"factsPreview":[{"factKey":"vendor","category":"vendor","label":"Vendor","value":"Clawhub","href":"https://clawhub.ai/gechengling/skills/insurance-actuarial-cn","sourceUrl":"https://clawhub.ai/gechengling/skills/insurance-actuarial-cn","sourceType":"profile","confidence":"medium","observedAt":"2026-10-09T21:52:25.356Z","isPublic":true},{"factKey":"protocols","category":"compatibility","label":"Protocol compatibility","value":"OpenClaw","href":"https://www.xpersona.co/api/v1/agents/clawhub-gechengling-insurance-actuarial-cn/contract","sourceUrl":"https://www.xpersona.co/api/v1/agents/clawhub-gechengling-insurance-actuarial-cn/contract","sourceType":"contract","confidence":"medium","observedAt":"2026-10-09T21:52:25.356Z","isPublic":true},{"factKey":"traction","category":"adoption","label":"Adoption signal","value":"2K downloads","href":"https://clawhub.ai/gechengling/insurance-actuarial-cn","sourceUrl":"https://clawhub.ai/gechengling/insurance-actuarial-cn","sourceType":"profile","confidence":"medium","observedAt":"2026-10-09T21:52:25.356Z","isPublic":true},{"factKey":"latest_release","category":"release","label":"Latest release","value":"5.1.3","href":"https://clawhub.ai/gechengling/insurance-actuarial-cn","sourceUrl":"https://clawhub.ai/gechengling/insurance-actuarial-cn","sourceType":"release","confidence":"medium","observedAt":"2026-09-21T05:48:25.807Z","isPublic":true},{"factKey":"handshake_status","category":"security","label":"Handshake status","value":"UNKNOWN","href":"https://www.xpersona.co/api/v1/agents/clawhub-gechengling-insurance-actuarial-cn/trust","sourceUrl":"https://www.xpersona.co/api/v1/agents/clawhub-gechengling-insurance-actuarial-cn/trust","sourceType":"trust","confidence":"medium","observedAt":null,"isPublic":true}],"highlights":["2K downloads","Trust evidence available"],"agentCard":{"name":"China Insurance Actuarial Pricing Expert","description":"AI-powered China insurance actuarial pricing skill — uses the 4th Life Table (2025, effective 2026-01-01) and C-ROSS Phase II (Rules II 2024) framework. Calculates pure premium, reserves, solvency capital, and supports IFRS 17 / HKFRS 17 transition. Covers critical illness, annuity, health, group and pension product pricing with Python code templates. Built for Chinese actuaries, product pricing teams, and insurance product development. Keywords: actuarial, pricing, life table 2025, C-ROSS, IFRS 17, China insurance, solvency capital, insurance product design, 精算定价, 保险产品开发, 产品定价, 准备金计算, 偿二代, 第四套生命表, 重疾险, 年金险, 医疗险, Python建模, 精算模型.","source":"CLAWHUB","sourceId":"clawhub:s17ewqc4f2s6gpcbm88hy7fgvn85kg1g:insurance-actuarial-cn","homepage":"https://clawhub.ai/gechengling/skills/insurance-actuarial-cn","repository":"https://clawhub.ai/gechengling/insurance-actuarial-cn","documentation":"https://www.xpersona.co/agent/clawhub-gechengling-insurance-actuarial-cn","protocols":["OPENCLEW"],"examples":[{"kind":"example","language":"text","snippet":"毛保费 G = 纯保费 P + 费用附加 L\n纯保费现值 PV(P) = 给付现值 PV(B) + 退保现值 PV(S)\n现值方程：Σ v^t · (给付 + 费用) · p_x = Σ v^t · 保费 · p_x\n其中 v = 1/(1+i)，i 为预定利率"},{"kind":"example","language":"python","snippet":"def critical_illness_premium(age, sum_assured, policy_term, payment_term, i=0.025):\n    \"\"\"示意：重疾险年缴纯保费（等价原则简化版）\"\"\"\n    v = 1 / (1 + i)\n    # 重疾给付现值\n    A_ci = 0.0\n    for t in range(policy_term):\n        q_ci = lookup_ci_rate(age + t, t)          # 查第四套重疾发生率\n        A_ci += v ** (t + 1) * q_ci * sum_assured\n    # 身故给付现值\n    A_death = 0.0\n    for t in range(policy_term):\n        q_d = lookup_mortality_CL1(age + t, t)     # 查 CL1 死亡率\n        A_death += v ** (t + 1) * q_d * sum_assured\n    # 缴费期生存年金现值 Nx\n    Nx = sum(v ** t * survival_prob(age, t) for t in range(payment_term))\n    pure_premium = (A_ci + A_death) / Nx\n    return pure_premium\n\n# 示例：30 岁男性，50 万保额，20 年缴，预定利率 2.5%\nprem = critical_illness_premium(30, 500000, 30, 20, i=0.025)\nprint(f\"年缴纯保费约：{prem:,.0f} 元\")"}]}}