From grimoire
Audits and sizes insurance coverage (life, disability, health, property, umbrella) using DIME need analysis and CFP board methods. Useful for coverage gap discovery or policy evaluation.
How this skill is triggered — by the user, by Claude, or both
Slash command
/grimoire:design-insurance-coverage-planThe summary Claude sees in its skill listing — used to decide when to auto-load this skill
Identify coverage needs across all risk categories, size each policy correctly, and eliminate gaps that could wipe out accumulated wealth.
Identify coverage needs across all risk categories, size each policy correctly, and eliminate gaps that could wipe out accumulated wealth.
Adopted by: Insurance planning is a mandatory module in CFP Board certification. Every fee-only financial planner (NAPFA members) runs a coverage audit before any investment planning. Major insurers (Northwestern Mutual, New York Life) publish structured need-analysis frameworks used industry-wide. Impact: LIMRA "Life Insurance Barometer" (2023) found 40% of American households would face financial hardship within 6 months if a primary earner died — the coverage gap is $12 trillion. Disability is the leading cause of home foreclosure in the US (Council for Disability Awareness), exceeding both death and job loss combined. Why best: Insurance solves a specific problem: protecting against low-probability, catastrophic-magnitude events that would otherwise wipe out savings. The structured approach prevents the two most common failures — underbuying critical coverage (life, disability) and overbuying low-leverage coverage (extended warranties, whole life as investment).
35-year-old, $120k income, married, two children, $400k net worth, owns home: Life insurance need: $120k × 11 = $1.32M income replacement + $290k mortgage + $200k education = $1.81M. Has $500k group life. Gap: $1.31M → buy 20-year term at ~$60/month. Disability: employer LTD covers $6,000/month (60% of $120k). Supplement with individual own-occ DI to bring total to $8,000/month (70%). Individual policy ~$150/month. Umbrella: $1M umbrella over existing auto/home liability. ~$18/month.
Finance disclaimer: This skill encodes professional best practices for educational purposes. It is not financial advice. Consult a licensed financial advisor before making investment decisions.
npx claudepluginhub jeffreytse/grimoire --plugin grimoireAnalyzes insurance policies across P&C, life, health, and commercial lines. Useful for coverage comparisons, claims analysis, and explaining insurance jargon in plain language.
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Audits travel insurance policies against trip risk profile to identify coverage gaps, check medical limits, validate exclusions, and review claims processes.