# Send Insurance Operations Automation to your agent
Hand the extracted package to your coding agent with a concrete install brief instead of figuring it out manually.
## Fast path
- Download the package from Yavira.
- Extract it into a folder your agent can access.
- Paste one of the prompts below and point your agent at the extracted folder.
## Suggested prompts
### New install

```text
I downloaded a skill package from Yavira. Read SKILL.md from the extracted folder and install it by following the included instructions. Then review README.md for any prerequisites, environment setup, or post-install checks. Tell me what you changed and call out any manual steps you could not complete.
```
### Upgrade existing

```text
I downloaded an updated skill package from Yavira. Read SKILL.md from the extracted folder, compare it with my current installation, and upgrade it while preserving any custom configuration unless the package docs explicitly say otherwise. Then review README.md for any prerequisites, environment setup, or post-install checks. Summarize what changed and any follow-up checks I should run.
```
## Machine-readable fields
```json
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    "name": "Insurance Operations Automation",
    "source": "tencent",
    "type": "skill",
    "category": "金融交易",
    "sourceUrl": "https://clawhub.ai/1kalin/afrexai-insurance-automation",
    "canonicalUrl": "https://clawhub.ai/1kalin/afrexai-insurance-automation",
    "targetPlatform": "OpenClaw"
  },
  "install": {
    "downloadUrl": "/downloads/afrexai-insurance-automation",
    "sourceDownloadUrl": "https://wry-manatee-359.convex.site/api/v1/download?slug=afrexai-insurance-automation",
    "sourcePlatform": "tencent",
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      "checkedAt": "2026-04-23T16:43:11.935Z",
      "expiresAt": "2026-04-30T16:43:11.935Z",
      "httpStatus": 200,
      "finalUrl": "https://wry-manatee-359.convex.site/api/v1/download?slug=4claw-imageboard",
      "contentType": "application/zip",
      "probeMethod": "head",
      "details": {
        "probeUrl": "https://wry-manatee-359.convex.site/api/v1/download?slug=4claw-imageboard",
        "contentDisposition": "attachment; filename=\"4claw-imageboard-1.0.1.zip\"",
        "redirectLocation": null,
        "bodySnippet": null
      },
      "scope": "source",
      "summary": "Source download looks usable.",
      "detail": "Yavira can redirect you to the upstream package for this source.",
      "primaryActionLabel": "Download for OpenClaw",
      "primaryActionHref": "/downloads/afrexai-insurance-automation"
    },
    "validation": {
      "installChecklist": [
        "Use the Yavira download entry.",
        "Review SKILL.md after the package is downloaded.",
        "Confirm the extracted package contains the expected setup assets."
      ],
      "postInstallChecks": [
        "Confirm the extracted package includes the expected docs or setup files.",
        "Validate the skill or prompts are available in your target agent workspace.",
        "Capture any manual follow-up steps the agent could not complete."
      ]
    }
  },
  "links": {
    "detailUrl": "https://openagent3.xyz/skills/afrexai-insurance-automation",
    "downloadUrl": "https://openagent3.xyz/downloads/afrexai-insurance-automation",
    "agentUrl": "https://openagent3.xyz/skills/afrexai-insurance-automation/agent",
    "manifestUrl": "https://openagent3.xyz/skills/afrexai-insurance-automation/agent.json",
    "briefUrl": "https://openagent3.xyz/skills/afrexai-insurance-automation/agent.md"
  }
}
```
## Documentation

### Insurance Operations Automation

Comprehensive insurance operations framework for AI agents. Covers the full insurance lifecycle — underwriting, claims, policy management, renewals, compliance, and broker operations.

### What This Skill Does

Guides your AI agent through insurance-specific workflows with industry benchmarks, regulatory requirements, and automation priorities.

### 1. Underwriting Assessment

Risk scoring framework (12 factors, weighted by line of business)
Data enrichment checklist (credit, claims history, property data, telematics)
Referral triggers and authority limits by tier
Combined ratio targets by line: Auto (95-98%), Home (85-92%), Commercial (88-95%), Life (varies by mortality table)

### 2. Claims Processing Pipeline

FNOL intake automation (voice + digital, structured extraction)
Severity triage: Green (auto-approve <$2K) → Yellow (adjuster review $2K-$25K) → Red (SIU referral >$25K or fraud indicators)
Subrogation identification triggers
Reserve estimation formulas by claim type
Settlement authority matrix

### 3. Policy Administration

Quote-to-bind workflow (target: <15 min for personal lines)
Mid-term adjustment processing
Renewal scoring: retention probability model (7 factors)
Cancellation/non-renewal compliance by state/jurisdiction

### 4. Broker Operations (Jointly AI Model)

5-agent pipeline architecture: Intake → Research → Quoting → Analysis → Delivery
Market panel management and placement optimization
Quote comparison normalization across carriers
FCA/state regulatory compliance verification
Parallel execution: up to 4 simultaneous carrier interactions

### 5. Compliance & Regulatory

US: State DOI requirements, NAIC model laws, Solvency II (reinsurers)
UK: FCA handbook (ICOBS, SYSC), Consumer Duty, IDD compliance
EU: Solvency II, IDD, GDPR for policyholder data
Anti-fraud indicators (SIU trigger list — 15 red flags)
SAR/suspicious activity reporting thresholds

### 6. Insurance Metrics Dashboard

MetricPersonal Lines TargetCommercial TargetCombined Ratio95-98%88-95%Loss Ratio60-70%55-65%Expense Ratio25-32%28-35%Claims Settlement Time<48h (auto)<14 daysPolicy Issuance Time<15 min<24hRenewal Rate>85%>80%Quote-to-Bind Ratio>25%>15%NPS>40>35

### 7. Automation Priority Matrix

ProcessHours/Month (50-person broker)Agent-Ready?Expected SavingsQuote comparison160hYes — now$140K-$280K/yrFNOL intake120hYes — now$105K-$210K/yrPolicy document generation80hYes — now$70K-$140K/yrRenewal processing100hYes — now$87K-$175K/yrCompliance checks60hYes — now$52K-$105K/yrSubrogation identification40hPartial$35K-$70K/yrComplex claims adjustment200hHuman-in-loop$50K-$100K/yr

### 8. Insurance-Specific Agent Prompts

Underwriting Agent:

You are an underwriting assessment agent. For each submission:
1. Extract all risk factors from the application
2. Score each factor against the risk matrix (1-10 scale)
3. Calculate composite risk score (weighted by line of business)
4. Flag any referral triggers (prior losses >3 in 5yr, credit <600, high-hazard occupation)
5. Recommend: Auto-approve / Refer to senior / Decline with reason
6. Generate underwriting memo with supporting data

Claims Triage Agent:

You are a claims triage agent. For each FNOL:
1. Extract: date of loss, type, description, estimated amount, policyholder details
2. Verify active coverage and applicable endorsements
3. Assign severity: Green (<$2K auto-process) / Yellow ($2K-$25K adjuster) / Red (>$25K or fraud flags)
4. Check fraud indicators against the 15-point SIU trigger list
5. Set initial reserve based on claim type benchmarks
6. Route to appropriate handler with priority score

### 90-Day Deployment Roadmap

Month 1: Deploy intake + quote comparison agents. Target: 70% of personal lines quotes handled autonomously.

Month 2: Add claims triage + policy document generation. Target: FNOL processing <5 minutes, auto-approval for Green claims.

Month 3: Compliance monitoring + renewal automation. Target: 85%+ renewal rate, zero compliance gaps.

### Cost Framework

Solo broker/MGA: $2K-$5K/month (2-3 agents)
Mid-size broker (20-50 staff): $5K-$15K/month (5-8 agents)
Carrier/large broker (100+ staff): $15K-$50K/month (10-20 agents)

### Resources

Calculate your insurance automation ROI → AI Revenue Leak Calculator
Full Insurance & Fintech Context Pack → AfrexAI Context Packs — $47, includes fintech agent configurations, compliance frameworks, and industry benchmarks
Configure your insurance agent stack → Agent Setup Wizard
Bundle: Pick 3 packs for $97 | All 10 for $197 | Everything $247
## Trust
- Source: tencent
- Verification: Indexed source record
- Publisher: 1kalin
- Version: 1.0.0
## Source health
- Status: healthy
- Source download looks usable.
- Yavira can redirect you to the upstream package for this source.
- Health scope: source
- Reason: direct_download_ok
- Checked at: 2026-04-23T16:43:11.935Z
- Expires at: 2026-04-30T16:43:11.935Z
- Recommended action: Download for OpenClaw
## Links
- [Detail page](https://openagent3.xyz/skills/afrexai-insurance-automation)
- [Send to Agent page](https://openagent3.xyz/skills/afrexai-insurance-automation/agent)
- [JSON manifest](https://openagent3.xyz/skills/afrexai-insurance-automation/agent.json)
- [Markdown brief](https://openagent3.xyz/skills/afrexai-insurance-automation/agent.md)
- [Download page](https://openagent3.xyz/downloads/afrexai-insurance-automation)