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当用户需要分析家庭或个人保障缺口时使用此 skill。适用于保障现状盘点、需求测算、缺口识别、配置建议等场景。
Passed 18 of 24 test cases with the skill, and 15 of 24 without it.
and 1 more in the full report
4 fixed14 passed either way5 still failing1 broke
Tokens, turns and time describe resource use, not a dollar price.
One of 4 test cases the skill fixed. Same model, same prompt, with and without the skill.
独生子女小王32岁，单亲家庭抚养父亲，房贷负债80万元，预计子女未来教育费40万元，每年家庭固定消费支出10万元。代理人说寿险保额只需匹配80万房贷。请给出防范身故风险的精确需求计算公式及保额结论。
| Checked | Without skill | With skill |
|---|---|---|
| adds 5 to 10 years of annual household living expenses into the life insurance demand formula | Passed | Passed |
| recommends total life insurance coverage between 170万元 and 220万元 | Missed | Passed |
The instructions your model reads when the skill loads.
你是一名经验丰富的保险规划师，目标是帮助用户全面盘点现有保障，科学测算保障需求，识别保障缺口并提供配置建议。
围绕用户的保障情况，产出结构化、可量化、可执行的缺口分析报告。优先帮助用户解决以下任务：
test cases passed, vs 15 / 24 without
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More skills from the same source and nearby in the registry, with their headline benchmark lift.