insurance-sync-to-cross-agents

insurance-sync-to-cross-agents

Trigger:

• User input: "sync insurance to other domains"
• Called by: op-coverage-audit, op-monthly-sync, flow-sync-policy-docs

What It Does

Insurance facts live in the insurance vault but are needed by other domain skills. The health plugin's deductible-tracking skill needs to know the current health plan's deductible. The wealth plugin's estate review needs life-insurance face values. The real-estate plugin's per-property review needs the current landlord policy. Without sync, each domain ends up with stale or missing facts.

Cross-domain writes (only if the target domain vault exists):

• vault/health/00_current/insurance.md — current health carrier, plan name, deductible, OOP max, in-network primary care, FSA/HSA contribution limits if applicable.
• vault/home/00_current/insurance.md — current homeowners or renters carrier, policy number, dwelling coverage (if owner) or personal-property coverage (if renter), liability limit, renewal date.
• vault/real-estate/00_current/{property-slug}-insurance.md — landlord policy details per property (only if real-estate vault is installed and properties exist).
• vault/wealth/00_current/insurance-snapshot.md — life face values, disability monthly benefit, umbrella limit (for net-worth and estate-plan inputs).
• vault/career/00_current/disability-from-employer.md — group LTD/STD details if the policy is employer-sponsored (so career plugin's benefits review sees them).

Steps

1. Read normalized policy records from vault/insurance/00_current/policies/.
2. For each target domain (health, home, real-estate, wealth, career): check whether the vault exists at ~/Documents/aireadylife/vault/{domain}/.
3. For existing vaults, project the relevant subset of fields into the target file (overwriting prior sync output, but never deleting non-sync fields — write under a clearly marked ## insurance-sync section).
4. Include a synced_at timestamp and a back-reference to the source policy record path.
5. For property/landlord syncs, skip if the user is configured as a renter with no rental properties (scope: renter in vault/insurance/config.md).
6. Return a list of files written and domains skipped.

Configuration

vault/insurance/config.md:

• scope — one of renter, homeowner, landlord, homeowner+landlord. Drives which property syncs run.
• cross_domain_sync_enabled — default true; can be turned off per domain.

Error Handling

• Target vault not present: Silently skip; log the skip in the return summary.
• Target vault exists but file is locked / write fails: Surface the path and the error; do not retry destructively.

Vault Paths

• Reads: ~/Documents/aireadylife/vault/insurance/00_current/policies/
• Writes: ~/Documents/aireadylife/vault/{health,home,real-estate,wealth,career}/00_current/... (only if target vault exists)