insurance-life-event-coverage-trigger

insurance-life-event-coverage-trigger

Trigger phrases:

• "got married — what should I update"
• "had a baby — insurance check"
• "bought a house — insurance review"
• "I'm changing jobs — coverage transition"
• "life event review"

Cadence: Event-driven; also runs as part of op-monthly-sync to catch events logged elsewhere.

What It Does

Life events change insurance needs in specific, predictable ways. The op turns a generic "you should review your coverage" into concrete, per-policy action items.

Event → recommended coverage actions (subset):

• Marriage: Add spouse to auto and home; revisit life insurance face value (income replacement now factors a partner); add spouse as primary beneficiary on life and retirement; review combined umbrella need.
• Divorce: Remove ex from auto, home, and beneficiaries (especially retirement and life); split policies if jointly held; reconsider life insurance need; update emergency contacts.
• New child: Increase life insurance to 10-12× income (multiplier rises with dependents); add child to health plan within 30-day special enrollment window; update beneficiaries to add child via trust mechanism if minor; reconsider disability adequacy; consider 529 setup.
• Home purchase: Bind homeowners coverage at closing; update auto for new garaging zip; reconsider umbrella as net worth steps up; remove renters policy.
• Mortgage payoff: Optionally drop force-placed lender requirements but keep replacement-cost coverage; revisit life insurance need (one large debt removed).
• Job change: Bridge health coverage between employer plans (COBRA / marketplace); reassess group life and disability — they often don't port; update employer life beneficiary.
• Retirement: Trigger Medicare planning op (if 65+); shift LTD review (employer LTD ends); reconsider life insurance need (income replacement may no longer be needed).
• Death of a named insured: File claim per op-document-claims-process; remove from policies; update beneficiaries downstream.

Steps

1. Read recent life events from vault/insurance/config.md (and vault/calendar/, vault/social/, vault/home/ if present).
2. For each event since last run: look up the event-to-actions mapping above.
3. For each affected policy line, compose an action item: "review", "increase coverage", "remove beneficiary", etc.
4. Write event-driven brief to vault/insurance/02_briefs/life-event-{event-type}-{YYYY-MM-DD}.md.
5. Call task-update-open-loops for each generated action.
6. For events that imply imminent enrollment windows (new child, marriage, job change), tag actions URGENT with the special-enrollment deadline date.

Configuration

vault/insurance/config.md:

• recent_life_events — list of {event_type, date, notes}
• last_life_event_run — timestamp; the op only processes events newer than this

Error Handling

• Unknown event type: Generate a generic "review all policies" action and surface for manual mapping.
• Cross-domain vault unavailable: Operate on insurance config only.

Vault Paths

• Reads: ~/Documents/aireadylife/vault/insurance/config.md, optional ~/Documents/aireadylife/vault/{calendar,social,home}/
• Writes: ~/Documents/aireadylife/vault/insurance/02_briefs/life-event-*.md, ~/Documents/aireadylife/vault/insurance/open-loops.md