BF 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.
As a process F 27/100 · Will not run — References files that are not bundled: references/corporate_benefit_design.md, references/huimin_insurance_guide.md, references/corporate_procurement_template.md
How to improve
- Say in the description WHEN to use the skill ("use when…", example requests): that is the agent's main cue.
- The text references files that are not there: add them or drop the references.
- 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: 5. Evidence is masked. Grey chips explain why severity was lowered.
Against the Agent Skills spec
- warning
frontmatter-yamlSKILL.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-formatname should be kebab-case (lowercase letters, digits, hyphens) - warning
description-no-whendescription does not say WHEN to use the skill (no "use when") - warning
missing-refreference to a missing file: references/corporate_benefit_design.md - warning
missing-refreference to a missing file: references/huimin_insurance_guide.md - warning
missing-refreference to a missing file: references/corporate_procurement_template.md - note
frontmatter-keyunknown frontmatter key "slug"
Process rating: all ten parameters 27/100
- 0Tools and files. 3 referenced file(s) missing: references/corporate_benefit_design.md, references/huimin_insurance_guide.md, references/corporate_procurement_template.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)
- 75Steps. 3 steps
- 100Execution cost. Instruction body is 1294 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: 17 headings
- +3Step-by-step instructions: 3 items
- +4Has examples (3 code blocks)
- +4Reference files are cited in the instructions (2 of 2)
Quality base 70; lint remarks subtract, signals add up to 100. Result: 48.