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CF Group Insurance Renewal Expert

AI-powered group insurance renewal management skill — renewal decision analysis, loss ratio analysis by industry (2025 data), enterprise insurance procurement management, group insurance pricing, and Huimin Bao (惠民保) renewal strategy. Updated for 2025-2026 regulatory changes including health insurance new rules and digital procurement trends. Built for group insurance account managers, corporate HR福利负责人, and insurance brokers. Keywords: group insurance, renewal, corporate insurance, employee benefits, loss ratio, insurance procurement, China insurance, 惠民保, 团险续期, 续保管理, 企业员工福利, 续期策略, 赔付率分析, 团险定价, 医疗险续保, 雇主责任险.

ClawHub Agent Skills author: lingfeng-19 v4.1.3 MIT-0 2 files body ≈ 2 568 tokens Open the sourceclawhub.ai↗ analyzed 6 d ago

AI-powered group insurance renewal management skill — renewal decision analysis, loss ratio analysis by industry (2025 data), enterprise insurance procurement…

As a process F 31/100 · No process to follow — References files that are not bundled: references/group_insurance_renewal_guide.md, references/claim_rate_analysis.md, references/corporate_benefit_design.md

AnalyzerAI and agentsSales and CRMCommercetype and topics are labelled automatically from the skill text
Runs in: OpenClaw Claude / Claude Code ChatGPT / Codex Gemini CLI Cursor GitHub Copilot / VS Code Qwen Code Kimi Code CLI Z.ai (GLM) DeepSeek (Deep Code) Mistral Vibe LangChain (deepagents) Goose OpenCode
JSON
Technical rating
C
78/100
safety, quality, tests
Safety 60%
100
Quality 40%
44
Run on models
none yet
Process rating
F
31/100
No process to follow
References files that are not bundled: references/group_insurance_renewal_guide.md, references/claim_rate_analysis.md, references/corporate_benefit_design.md
Tools and files w 18
0
Result and completion w 14
0
Inputs and preconditions w 11
0
the three weakest of ten parameters · all ten

How to improve

  1. Say in the description WHEN to use the skill ("use when…", example requests): that is the agent's main cue.
  2. The text references files that are not there: add them or drop the references.
For the model run — optional
  • Your own cases (evals/evals.json, 4–6 real requests with expected answers): the full check would then run those instead of a model-drafted suite.
  • A spec.yaml with trigger phrases and assertions — a behaviour contract for CI; `skilltest init` writes a template.

Guard findings · 0

✓ No critical or high findings

Files scanned: 2. Evidence is masked. Grey chips explain why severity was lowered.

Against the Agent Skills spec

  • warning frontmatter-yaml SKILL.md: the frontmatter is not valid YAML (YAML parse error: Nested mappings are not allowed in compact mappings at line 2, column 14: description: AI-powered group insurance renewal management skill — renewal deci… ^ ); fields were read line by line. The usual cause is a colon inside an unquoted value
  • warning name-format name should be kebab-case (lowercase letters, digits, hyphens)
  • warning description-no-when description does not say WHEN to use the skill (no "use when")
  • warning missing-ref reference to a missing file: references/group_insurance_renewal_guide.md
  • warning missing-ref reference to a missing file: references/claim_rate_analysis.md
  • warning missing-ref reference to a missing file: references/corporate_benefit_design.md
  • warning missing-ref reference to a missing file: references/huimin_insurance_guide.md
  • warning missing-ref reference to a missing file: references/corporate_procurement_template.md
  • note frontmatter-key unknown frontmatter key "slug"

Process rating: all ten parameters 31/100

Will not run. References files that are not bundled: references/group_insurance_renewal_guide.md, references/claim_rate_analysis.md, references/corporate_benefit_design.md
  • 0Tools and files. 5 referenced file(s) missing: references/group_insurance_renewal_guide.md, references/claim_rate_analysis.md, references/corporate_benefit_design.md
  • 0Result and completion. Does not say what the result is
  • 0Inputs and preconditions. Does not say what the process needs to start
  • 0Failures and branches. Linear process with no failure handling
  • 0Progress reporting. Says nothing while it works
  • 20When it triggers. No condition that starts the skill
  • 40Consistency. Frontmatter name (Group Insurance Renewal Expert) differs from the folder (insurance-group-renewal)
  • 100Steps. 20 steps
  • 100Execution cost. Instruction body is 2568 tokens
  • 100Running it twice. No mutating operations

Everything here is measured from the skill text rather than judged by a model, so the numbers are checkable. A parameter weighs more when it is a more common reason for the process to stall.

Quality signals

  • +5Description has no quoted example phrases that should trigger the skill
  • +4Description does not say when NOT to use the skill (false activations)
  • +3Output format is not stated: the model decides each time
  • +1No license
  • +2Single-language instructions
  • +3Description length 616: enough signal without eating the budget
  • +4Structure: 21 headings
  • +3Step-by-step instructions: 20 items
  • +4Has examples (3 code blocks)

Quality base 70; lint remarks subtract, signals add up to 100. Result: 44.

External checks

ClawHub: clean
This is a text-only group insurance renewal guidance skill with clear data-minimization warnings and no code, tools, persistence, or hidden access.
LLM: benign (high) · VirusTotal: · 16 Sept 2026