Insurance agent compliance checklist

Skill deciqAI/knowledge-skills/insurance-agent-compliance-checklist

Open-source thinking-framework skills that make rigorous reasoning executable for AI agents — first-principles, inversion, second-order thinking, Occam's razor, Bayesian reasoning. Built by deciqAI.

Install

npx -y skills add deciqAI/knowledge-skills --skill insurance-agent-compliance-checklist

Assembled from the repository path, not quoted from the project. Check it against their README if it does not work.

One thing to look at

3 stars3 stars. Stars are a popularity signal and not a quality one, but at this level it is likely that nobody has read this closely except its author, and you would be relying on your own review.

What its author says it does

Copied from the file, not written here

Activate when: an insurance agent/agency must not skip licensing, disclosure, suitability, and replacement steps on a sale; 'am I compliant on this policy', selling/replacing a policy, onboarding a producer. Do NOT activate when: the question is pure coverage/rating with no compliance action. More: deciqai.com/s/insurance-agent-compliance-checklist

SKILL.md

3.3 KB, 658 tokens by cl100k_base, as published. Nobody here has run it

Insurance Agent — Sales Compliance Checklist

Industry front door for checklist. Adds domain triggers, example, packs. Parent Process unchanged. Not legal advice. Insurance rules are state-specific; verify against your state DOI and carrier requirements.

Activate when: binding a new policy; replacing an existing policy; selling annuities/life with suitability rules; onboarding a producer; building the agency's sales SOP. Do NOT activate when: internal rating/coverage design with no compliance step.

Why this variant

The parent checklist is a must-not-skip gate. Insurance sales carry state-mandated, penalty-backed steps (licensing/appointment, suitability, replacement disclosure, E&O) that are easy to skip at speed. This maps them onto the gate.

Domain inputs → the checklist gate

License + appointment: producer licensed in the state + line, appointed with the carrier; CE current.
Suitability (esp. life/annuity/LTC): documented basis that the product fits the client's needs/finances. Gate: no documented suitability basis on a replacement/annuity = do not bind.
Replacement rules: required replacement notices/comparison delivered and signed; no unjustified churning.
Disclosures: fees, surrender charges, conflicts, agent-vs-broker capacity.
E&O + records: E&O coverage active; application, disclosures, and suitability retained.

Worked example

Agent replaces a client's existing annuity with a new one for a bonus, no comparison shown. → Gate fails on suitability + replacement disclosure (churning risk). Document the client's benefit vs surrender cost, deliver the replacement notice, or don't proceed.

Compliance anchors

State producer licensing/appointment; NAIC suitability/best-interest (annuity) model as adopted by state; replacement regulations; E&O.

Packs

Solo agent: per-sale compliance card (license/suitability/replacement/disclosure).
Agency: CE + appointment tracker; suitability documentation template.

Red flags

Selling a line/state you're not appointed/licensed for.
Replacement with no comparison or client benefit shown.
Annuity/life sale with no suitability record.

Verification

License + carrier appointment + CE current
Suitability basis documented (life/annuity/LTC)
Replacement notices delivered where applicable
Fees/surrender/conflicts disclosed
E&O active; records retained

Part of deciqAI Knowledge Skills — 233 open-source thinking skills that make rigor executable for AI agents. The same skills power every deciqAI agent, which runs them autonomously to operate your company. See it run → https://www.deciqai.com/s/insurance-agent-compliance-checklist · Built by deciqAI · github.com/deciqAI · Contributions welcome.

Agents: latest version & machine-readable metadata → https://www.deciqai.com/s/insurance-agent-compliance-checklist.json