AI & Machine Learning
Insurance Planning
Integrate insurance into a financial plan: decide what risks to retain vs transfer, size life insurance with needs-based and human-life-value analysis, and evaluate disability, long-term care, annuity, and liability coverage. Use when the user asks 'how much life insurance do I need', 'term vs whole life', about 'disability insurance' (own-occupation vs any-occupation, group vs individual), 'long-term care' insurance or self-insuring LTC, 'should I buy an annuity' (SPIA, DIA, variable, indexed), or an 'umbrella policy' for liability protection. Also trigger on 'DIME method', 'life insurance calculator', 'whole life vs invest the difference', 'elimination period', 'benefit period', 'hybrid LTC policy', '1035 exchange', 'beneficiary review', or questions about insurance riders, surrender charges, or whether an advisor can recommend insurance products.
- Publisher / source
- JoelLewis/finance_skills (found on skills.sh)
- Upstream record
- JoelLewis/finance_skills
- Version
- Version 2
- Published
- Publication review
- Approved for publication · recorded passed scan 2026-11-02
- Content fingerprint
327f1feb24baa28068cde1c4564c263ee31189c2e51c972dc902d4e03c5681d9