{"id":"6ee49666-76b1-4eb4-8075-ea5473665130","slug":"clawhub-gechengling-insurance-digital-live","name":"Insurance Digital Live","description":"AI assistant for China insurance live streaming that generates compliant scripts, explains products, engages audiences, and optimizes sales conversion.","canonicalUrl":"https://www.xpersona.co/agent/clawhub-gechengling-insurance-digital-live","sourceUrl":"https://clawhub.ai/gechengling/insurance-digital-live","homepage":"https://clawhub.ai/gechengling/skills/insurance-digital-live","source":"CLAWHUB","vendor":{"slug":"clawhub","label":"Clawhub","url":"https://clawhub.ai/gechengling/skills/insurance-digital-live"},"protocols":["OPENCLEW"],"capabilities":[],"trustScore":null,"trustConfidence":"unknown","artifactCount":0,"benchmarkCount":0,"lastRelease":"5.0.2","freshnessAt":"2026-10-11T08:36:47.846Z","freshnessLabel":"Oct 11, 2026","securityReviewed":true,"openapiReady":false,"stats":[{"label":"Trust score","value":"Unknown"},{"label":"Compatibility","value":"OpenClaw"},{"label":"Freshness","value":"Oct 11, 2026"},{"label":"Vendor","value":"Clawhub"},{"label":"Artifacts","value":"0"},{"label":"Benchmarks","value":"0"},{"label":"Last release","value":"5.0.2"}],"factsPreview":[{"factKey":"vendor","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","observedAt":"2026-10-11T08:36:47.911Z","isPublic":true},{"factKey":"protocols","category":"compatibility","label":"Protocol compatibility","value":"OpenClaw","href":"https://www.xpersona.co/api/v1/agents/clawhub-gechengling-insurance-digital-live/contract","sourceUrl":"https://www.xpersona.co/api/v1/agents/clawhub-gechengling-insurance-digital-live/contract","sourceType":"contract","confidence":"medium","observedAt":"2026-10-11T08:36:47.911Z","isPublic":true},{"factKey":"traction","category":"adoption","label":"Adoption signal","value":"1.1K downloads","href":"https://clawhub.ai/gechengling/insurance-digital-live","sourceUrl":"https://clawhub.ai/gechengling/insurance-digital-live","sourceType":"profile","confidence":"medium","observedAt":"2026-10-11T08:36:47.911Z","isPublic":true},{"factKey":"latest_release","category":"release","label":"Latest release","value":"5.0.2","href":"https://clawhub.ai/gechengling/insurance-digital-live","sourceUrl":"https://clawhub.ai/gechengling/insurance-digital-live","sourceType":"release","confidence":"medium","observedAt":"2026-10-09T05:51:52.818Z","isPublic":true},{"factKey":"handshake_status","category":"security","label":"Handshake status","value":"UNKNOWN","href":"https://www.xpersona.co/api/v1/agents/clawhub-gechengling-insurance-digital-live/trust","sourceUrl":"https://www.xpersona.co/api/v1/agents/clawhub-gechengling-insurance-digital-live/trust","sourceType":"trust","confidence":"medium","observedAt":null,"isPublic":true}],"highlights":["1.1K downloads","Trust evidence available"],"agentCard":{"name":"Insurance Digital Live","description":"AI assistant for China insurance live streaming that generates compliant scripts, explains products, engages audiences, and optimizes sales conversion.","source":"CLAWHUB","sourceId":"clawhub:s17ewqc4f2s6gpcbm88hy7fgvn85kg1g:insurance-digital-live","homepage":"https://clawhub.ai/gechengling/skills/insurance-digital-live","repository":"https://clawhub.ai/gechengling/insurance-digital-live","documentation":"https://www.xpersona.co/agent/clawhub-gechengling-insurance-digital-live","protocols":["OPENCLEW"],"examples":[{"kind":"example","language":"python","snippet":"LIVE_STREAM_TEMPLATES = {\n    \"保险科普开场\": {\n        \"duration\": \"3-5分钟\",\n        \"structure\": \"\"\"\n        【开场自我介绍】（0-30秒）\n        \"大家好，我是保险顾问{姓名}，\n        今天想和大家聊聊一个很多人都关心的话题：\n        家庭风险保障到底怎么配置？\n        \n        这个问题看起来很简单，\n        但其实90%的人都配置错了！\"\n        \n        【痛点引入】（30秒-1分钟）\n        \"大家有没有想过这些问题：\n        - 看病花了30万，医保只报了10万怎么办？\n        - 万一发生意外，家庭收入中断怎么办？\n        - 孩子教育金、自己的养老金，存够了吗？\n        \n        如果你有这些担忧，今天的直播一定要认真看完！\"\n        \n        【话题预告】（1-2分钟）\n        \"今天我会分享：\n        1. 家庭保障配置的3大原则\n        2. 不同收入水平的配置方案\n        3. 常见误区和避坑指南\n        \n        记得点关注，直播结束后还有专属福利哦！\"\n        \"\"\"\n    },\n    \n    \"产品讲解话术\": {\n        \"product_type\": \"重疾险\",\n        \"script\": \"\"\"\n        【痛点引入】\n        \"大家知道吗？重大疾病的平均治疗费用是30-50万，\n        但很多人的医保只能覆盖一部分。\n        \n        而且患病期间，不仅没有收入，\n        还要支付康复费用、营养费用...\n        这些医保都不管！\"\n        \n        【产品介绍】\n        \"所以今天给大家推荐这款{产品名}：\n        \n        ✨【保障全面】\n        - 覆盖{疾病数量}种重疾\n        - {轻症数量}种轻症\n        - 保费豁免：确诊即免后续保费\n        \n        ✨【保额充足】\n        - 基础保额{基础保额}万\n        - 重疾额外赔{额外比例}%\n        \n        ✨【服务贴心】\n        - {服务内容}\n        - {增值服务}\"\n        \n        【价格锚定】\n        \"可能有人觉得贵，\n        但算下来每天只需要{每日保费}元，\n        不到一顿饭钱，就能换来{保额}万保障。\n        \n        想想看，万一发生风险，\n        这笔钱是不是能救命？\"\n        \n        【合规提醒】\n        \"当然，投保前一定要认真阅读健康告知，\n        如实告知自己的身体情况。\n        具体的保障条款以保险合同为准。\n        有什么问题可以在评论区留言！\"\n        \"\"\"\n    }\n}"},{"kind":"example","language":"markdown","snippet":"## 保险直播合规要点\n\n### 必须包含的表述\n\n| 类型 | 表述 | 出现时点 | 遗漏后果 | 留痕方式 |\n|-----|------|---------|---------|---|\n| **风险提示** | \"投资有风险，保险保障请详阅条款\" | 开场与产品讲解前 | 被认定为未充分揭示风险 | 开场录像 + 脚本标注该句位置 |\n| **费用说明** | \"保费以实际投保页面为准\" | 每次提及价格时 | 价格误导投诉 | 脚本中每次报价处附该句 |\n| **等待期说明** | \"产品有等待期，具体以条款为准\" | 介绍保障责任时 | 理赔争议 | 讲解段脚本标注 + 播出录像 |\n| **健康告知** | \"投保前请认真阅读健康告知，如实告知\" | 引导投保前 | 未如实告知导致的拒赔纠纷 | 促单环节固定话术，不可省略 |\n| **犹豫期** | \"产品有犹豫期，15天内可退保\" | 促单环节 | 退保纠纷 | 促单环节固定话术 + 投保页面提示 |\n| **除外责任** | \"某些情况下不予赔付，详见条款\" | 讲解赔付责任时 | 夸大保障范围 | 讲解赔付责任时口播 + 字幕 |\n| **身份披露**（数字人） | \"我是数字形象，服务由XX机构XX顾问提供\" | 开场 30 秒内 | 被质疑误导观众身份 | 开场 30 秒口播 + 画面角标 + 授权归档 |\n| **适当性提示** | \"请根据自身保障需求和缴费能力选择\" | 推荐具体产品前 | 销售适当性违规 | 推荐前口播，并留存分流记录 |\n\n### 禁止表述清单\n\n| 禁止 | 替代表述 | 为什么违规 |\n|-----|---------|---|\n| \"什么都赔\" | \"符合条款约定的保障范围即可赔付\" | 夸大保障范围，实际以条款为准 |\n| \"比银行利息高\" | \"保险主要提供风险保障\" | 混淆保险与储蓄/理财的性质 |\n| \"存钱送保障\" | \"储蓄型保险兼顾保障和储蓄功能\" | 误导产品性质 |\n| \"保证续保到XX岁\" | \"条款约定的续保条件\" | 续保非保证，不得承诺 |\n| \"确诊即赔\" | \"达到条款约定的疾病定义即可申请理赔\" | 忽略疾病定义与等待期 |\n| \"小公司不可靠\" | \"所有保险公司都受国家金融监督管理总局监管\" | 贬低同业，违反客观陈述要求 |\n| \"保费打折/返现\" | \"本场提供的是服务权益，费率以条款和投保页面为准\" | 构成合同外利益，违反报行合一 |\n| \"带病也能投\" | \"具体能否承保以公司核保结论为准\" | 核保结论以公司规则为准 |\n| \"错过今天就没有了\" | \"本场权益发放至X点，后续活动请关注官方通知\" | 虚构紧迫性误导消费者 |\n| \"理赔零纠纷\" | \"符合条款约定的理赔申请会按流程处理\" | 理赔按条款与流程处理，无零纠纷 |"}]}}