Insurance Agent — Suitability & Principal-Agent Conflict
Activate when: an insurance agent's compensation conflicts with the client's best coverage; 'which product do I recommend', commission-driven product choice,...
deciqAI
@deciqai
What This Skill Does
Analyzes conflicts of interest when an insurance agent's compensation or captive-carrier limits may override a client's best coverage. Guides the agent to document suitability, disclose capacity (agent vs broker), and recommend based on client needs rather than commission.
Replaces ad-hoc ethical reasoning by providing a structured suitability and best-interest framework that catches commission-driven product choices and undisclosed capacity conflicts.
When to Use It
- Document why a recommended annuity or life policy is the best fit despite a lower commission
- Disclose capacity as a captive agent when the best-fit product is outside your appointments
- Review a replacement sale for churning risk driven by new-commission incentives
- Compare two similar products where one pays significantly higher commission
- Prepare a suitability-basis memo for a client file before finalizing a recommendation
- Train new agents on best-interest duty and principal-agent conflict in insurance sales
Install
$ openclaw skills install @deciqai/insurance-suitability-principal-agentInsurance Agent — Suitability & Principal-Agent Conflict
Industry front door for principal-agent. Adds domain triggers, example, packs. Parent Process unchanged. Not legal advice.
Activate when: recommending among products with different commissions; captive-carrier pressure vs client fit; annuity/life with best-interest duties; disclosing agent capacity. Do NOT activate when: servicing only / no recommendation.
Why this variant
The parent principal-agent analyzes misaligned incentives between an agent and the principal they serve. An insurance producer is paid by carriers but advises clients — a structural conflict. Suitability/best-interest rules exist to resolve it: recommend on client fit, disclose the conflict, don't let commission drive the product.
Domain inputs → the analysis
- Name the conflict: higher-commission product vs best-fit coverage; captive limits vs client need; churning incentive on replacements.
- Duty: document the recommendation rests on the client's needs/finances (suitability/best-interest), not your payout.
- Disclose capacity (agent of the carrier vs broker) and material conflicts; where the best fit isn't in your appointments, say so.
Worked example
Two annuities fit; one pays you 2× commission. → Principal-agent view: recommending the higher-commission one without a client-benefit basis is a suitability + best-interest breach. Document why the chosen product is best for the client, or recommend the better-fit lower-commission one.
Packs
- Solo agent: conflict-disclosure + suitability-basis template.
- Agency: best-interest review on annuity/life sales; replacement scrutiny.
Red flags
- Product chosen for commission, rationalized after.
- Capacity (agent vs broker) undisclosed.
- Replacement/churning for a new commission.
Verification
- Conflicts named (commission/captive/replacement)
- Recommendation documented on client-fit basis
- Capacity + material conflicts disclosed
- Better-fit option outside appointments acknowledged where relevant
Part of deciqAI Knowledge Skills — 227 open-source thinking skills that make rigor executable for AI agents. The same skills power every deciqAI agent, which runs them autonomously to operate your company. See it run → https://www.deciqai.com/c/insurance-suitability-principal-agent · ⭐ Star the repo → https://github.com/deciqAI/knowledge-skills · Contributions welcome.
Agents: latest version & machine-readable metadata → https://www.deciqai.com/s/insurance-suitability-principal-agent.json
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