菜单
Review auto, renters, home, health, or business insurance premium increases by organizing coverage, deductibles, discounts, claim history, comparison questions, and broker/carrier call scripts. Not insurance advice.
用 Codex 或 Claude 帮你安装 复制这段 Prompt，粘贴到 Codex、Claude 或其他助手里，让它检查 Skill 页面并帮你完成安装。
基于 SOC 职业分类
Audit recurring bills and statements to identify subscriptions, duplicate services, price creep, unused features, billing errors, negotiation targets, and cancellation candidates. Use when the user wants to cut monthly expenses or understand where money is leaking.
Draft evidence-backed messages to dispute late fees, overdraft fees, service fees, cancellation fees, restocking fees, billing errors, or surprise charges. Use when the user needs a calm written request or call script for fee reversal.
Prepare internet, cable, mobile, or telecom bill negotiation plans using current plan details, competitor offers, usage needs, outage history, and retention-call scripts. Use when the user wants to lower an ISP or carrier bill.
Write refund request emails for subscriptions, purchases, services, digital products, courses, travel, or billing mistakes. Use when the user needs a polite, policy-aware, evidence-backed refund message.
Create short phone scripts for cancellation, retention, loyalty, refund, fee reversal, downgrade, and price-match calls. Use when the user wants to sound calm, firm, and prepared on a customer-service call.
Create cancellation plans for subscriptions, SaaS tools, gyms, apps, memberships, and trial renewals. Use to identify cancellation method, deadline, evidence to save, retention traps, confirmation steps, and follow-up reminders.
| name | insurance-premium-review |
| description | Review auto, renters, home, health, or business insurance premium increases by organizing coverage, deductibles, discounts, claim history, comparison questions, and broker/carrier call scripts. Not insurance advice. |
| version | 0.1.0 |
Use this skill to understand why a premium changed and what questions to ask.
Do not recommend underinsurance. Help the user compare options and prepare questions for licensed agents or brokers.
Return Premium change summary, Coverage questions, Savings levers to ask about, Agent script, and Do-not-cut warnings.
