What It Does

What It Does

Generates the monthly insurance brief — the one document that gives you a complete, current view of your entire insurance portfolio in under 5 minutes. Insurance is a domain where the critical information (renewals approaching, claims pending, coverage gaps) is scattered across multiple policy documents and accounts. The monthly brief consolidates everything into a single, prioritized view.

The brief has five sections. Active policies: a matrix of all current policies with carrier, coverage type, annual premium, and next renewal date — giving a complete portfolio view at a glance. Renewal watch: policies renewing within 60 days pulled from the most recent renewal watch output, with their assigned action category (shop/auto-renew/review) and action-by dates. Active claims: if any claims are in progress, their current stage and immediate next action. Coverage gaps: the top gaps from the most recent annual audit (or from open-loops.md if the audit has run recently), with severity ratings. Total premium spend: annual and monthly aggregate premium across all policies — useful for calibrating the overall insurance cost and identifying when premium creep warrants a portfolio review.

Action items first: Every section that has an outstanding action surfaces it at the top of the brief under "Requires Action," sorted by urgency. A renewal due in 14 days is more urgent than a coverage gap that has been in open loops for 6 months. A claim settlement deadline is more urgent than an annual premium total. The user should be able to read the "Requires Action" section and know exactly what to do today.

Triggers

• "insurance brief"
• "insurance review"
• "policy review"
• "coverage check"
• "insurance status"
• "insurance update"
• "monthly insurance"
• "what insurance do I have"

Steps

1. Check vault/insurance/00_current/renewal-alerts.md for most recent renewal watch output — note date of last run.
2. Read all active policies from vault/insurance/00_current/ — extract carrier, policy type, annual premium, renewal date.
3. Check vault/insurance/00_current/ for any open claims — extract stage and next action.
4. Read vault/insurance/open-loops.md — extract all open items by severity.
5. Check most recent coverage audit date from vault/insurance/00_current/ — note if audit is more than 12 months old (flag for re-audit).
6. Sum all annual premiums for total annual and monthly premium spend.
7. Identify all policies renewing within 60 days from policy records.
8. Extract top 3 open coverage gaps from open-loops.md.
9. Synthesize all data into brief with "Requires Action" section first.
10. Write monthly brief to vault/insurance/02_briefs/YYYY-MM-insurance-brief.md.
11. Call task-update-open-loops if any new flags surfaced during synthesis.

Input

• ~/Documents/aireadylife/vault/insurance/00_current/ — active policy records and renewal alerts
• ~/Documents/aireadylife/vault/insurance/00_current/ — active claims
• ~/Documents/aireadylife/vault/insurance/00_current/ — most recent coverage audit
• ~/Documents/aireadylife/vault/insurance/01_prior/ — prior period records for trend comparison
• ~/Documents/aireadylife/vault/insurance/open-loops.md — all outstanding flags

Output Format

Monthly Insurance Brief — saved as vault/insurance/02_briefs/YYYY-MM-insurance-brief.md

# Insurance Brief — [Month Year]

## Requires Action
- [policy/claim/gap] — [action] — by [date]

## Active Policies
| Type | Carrier | Annual Premium | Next Renewal | Status |
|------|---------|---------------|-------------|--------|
| Auto | [Carrier] | $X | [date] | OK / Renewing in Xd |
| Home | [Carrier] | $X | [date] | SHOP in Xd |
| Life Term | [Carrier] | $X | [date] | Auto-renew |
| LTD | [Carrier] | $X | Employer | Employer-provided |
| Umbrella | [Carrier] | $X | [date] | OK |

Total annual premiums: $X ($X/month)

## Renewals in Next 60 Days
[Policy] — [date] — [Shop / Auto-renew / Review] — Action by [date]

## Active Claims
[Claim] — Stage: [stage] — Next action: [action] — By [date]
No active claims / X claim(s) in progress

## Coverage Gaps (from [date] audit)
1. [Gap description] — Severity: [Minor/Moderate/Significant] — Est. cost to close: $X/year
2. ...

## Coverage Audit
Last audit: [date] — [Current / Due for renewal (12+ months since last audit)]

Configuration

No additional configuration beyond standard vault/insurance/config.md. Brief references sub-domain op outputs; if renewal watch or coverage audit have not run recently, brief notes data freshness.

Error Handling

• No policy records in vault: Cannot produce meaningful brief. Prompt user to complete vault setup.
• Renewal watch not run recently: Note that renewal dates are from policy records directly; run renewal watch for categorized action recommendations.
• Coverage audit more than 12 months old or never run: Flag as overdue in brief. Recommend running annual coverage audit.

Vault Paths

• Reads from: ~/Documents/aireadylife/vault/insurance/01_prior/ — prior period records
• Reads from: ~/Documents/aireadylife/vault/insurance/00_current/, ~/Documents/aireadylife/vault/insurance/00_current/, ~/Documents/aireadylife/vault/insurance/00_current/, ~/Documents/aireadylife/vault/insurance/open-loops.md
• Writes to: ~/Documents/aireadylife/vault/insurance/02_briefs/YYYY-MM-insurance-brief.md, ~/Documents/aireadylife/vault/insurance/open-loops.md