Insurance Quote

Category: Finance · Difficulty: High · Tags: shopping · comparison · underwriting

What it does

Shop for personal insurance by gathering a profile, quoting 5+ carriers, normalizing results apples-to-apples, flagging gaps, recommending the best option, and submitting the application on approval.

Scope: personal lines only — health, auto, homeowners, term life. Commercial insurance (broker-negotiated) and claims management are out of scope.

Steps

#	Step	What happens
1	Gather the quote profile	Asks for the fields each carrier needs: age, health history (life), driving history (auto), property details (home), coverage target, effective date.
2	Research carriers	Pulls 5+ reputable carriers for the line + state, notes AM Best rating + complaint ratios.
3	Get quotes from carriers	Fills every carrier’s quote form in Firefox, waits for results, captures screenshots. No public APIs exist for most lines, so this is real browser work.
4	Compare apples-to-apples	Normalizes limits, deductibles, exclusions. Identifies which carriers are comparing like-for-like and which quoted a different plan.
5	Analyze coverage gaps	Flags missing riders, below-adequate limits, exclusions that will bite later.
6	Make recommendation	Picks the best-fit carrier with reasoning — not just cheapest. Shows runner-up.
7	Submit application	Only on explicit approval. Fills the application, answers underwriting questions truthfully, captures confirmation. Does not bind coverage without the user’s sign-off.

Guardrails

Never source quotes from training data — rates change weekly and vary by state. Every quote is pulled live.
Screenshot everything — every quote result gets a PNG saved to artifacts/screenshots/insurance/ for audit.
Application requires explicit approval — the skill recommends; it doesn’t bind coverage without a “yes, submit” confirmation from the user.
Underwriting honesty — the agent refuses to submit applications that misrepresent the profile (e.g. hiding a health condition to lower a quote).

How to invoke from Claude Desktop


do("Shop term life for me. I'm 34 non-smoker, healthy, $1M coverage,
    20-year term. Get 5 quotes and recommend. Don't submit anything
    until I confirm.")

Or:

“Insurance-quote: homeowners for my new place in Austin, TX. $450k dwelling, 2020 build, new roof.”

Artifacts produced

insurance-quotes.xlsx — profile, carriers, quotes, comparison, gaps, recommendation sheets.
Screenshots of every carrier quote in artifacts/screenshots/insurance/.
Signed application copy (PDF) if/when you approve submission.

Full source

cto-gui-libvirt-backend/app/services/agent_skills/insurance-quote.md.