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Identifies insurance payments in transaction history, calculates annual premiums by type (auto, health, home, life), totals spend, and compares to benchmarks to spot overpaying.
How this skill is triggered — by the user, by Claude, or both
Slash command
/openaccountant-skills:insurance-auditThe summary Claude sees in its skill listing — used to decide when to auto-load this skill
Identifies all insurance-related transactions in your history, calculates your total annual insurance spend, breaks it down by type (health, auto, home/renters, life, etc.), and compares your costs to typical ranges so you can spot overpaying.
Identifies all insurance-related transactions in your history, calculates your total annual insurance spend, breaks it down by type (health, auto, home/renters, life, etc.), and compares your costs to typical ranges so you can spot overpaying.
transaction_search — find all insurance premium payments across your accountsRun transaction_search with query: "insurance OR premium OR Geico OR State Farm OR Allstate OR Progressive OR USAA OR Liberty Mutual OR Nationwide OR MetLife OR Aetna OR UnitedHealth OR Cigna OR Blue Cross OR Kaiser" and months: 12 to capture all insurance payments over the past year.
Group results by merchant/description and classify each into an insurance type:
For each type, calculate: payment frequency (monthly, quarterly, semi-annual, annual), per-payment amount, and total annual cost.
Present the insurance summary:
INSURANCE AUDIT
══════════════════════════════════════════════════
Type Frequency Payment Annual
──────────────── ────────── ──────── ────────
Auto Insurance Monthly $145 $1,740
Renters Ins. Monthly $18 $216
Health (direct) Monthly $380 $4,560
Life Insurance Monthly $42 $504
══════════════════════════════════════════════════
TOTAL ANNUAL INSURANCE COST: $7,020
% of Annual Income: X.X%
Compare each line to typical cost ranges:
Flag any insurance type significantly above the typical range.
Suggest action items: get comparison quotes for flagged policies, check for bundling discounts, review coverage levels and deductibles.
=SUM(C2:C7).=TotalPremiums / AnnualIncome * 100.npx claudepluginhub openaccountant/skillsAnalyzes insurance policies across P&C, life, health, and commercial lines. Useful for coverage comparisons, claims analysis, and explaining insurance jargon in plain language.
Analyzes transaction history to identify recurring expenses, unused subscriptions, duplicates, and optimization opportunities like cancellations or downgrades with estimated annual savings.
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.