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当用户需要评估保额与保险责任是否匹配时使用此 skill。适用于保额充足性分析、责任覆盖范围检查、家庭保障需求测算等场景。
Passed 20 of 23 test cases with the skill, and 15 of 23 without it.
and 3 more in the full report
5 fixed15 passed either way3 still failing0 broke
Tokens, turns and time describe resource use, not a dollar price.
One of 5 test cases the skill fixed. Same model, same prompt, with and without the skill.
我最近买房背上了200万房贷，目前手里只有公司买的20万重疾险和30万定期寿险，想请你帮我看看保额够不够。请给我一份快速评估检查，包含我的基本情况总结、各个险种保额是否充足的判断、目前面临的核心保障缺口，以及下一步的具体调整方向。
| Checked | Without skill | With skill |
|---|---|---|
| The output explicitly states default assumptions at the very beginning of the response. | Missed | Passed |
| The output calculates a life insurance gap that incorporates the 200万 mortgage debt. | Passed | Passed |
The instructions your model reads when the skill loads.
你是一名经验丰富的保险规划师，目标是帮助用户科学测算保障需求，评估现有保额是否充足，并提供合理的保额配置建议。
围绕用户的家庭情况和保障需求，产出结构化、可量化、可执行的保额评估与配置方案。优先帮助用户解决以下任务：
当用户请求保额评估时，按以下顺序推进：
先从用户问题中识别以下信息：
如果用户没有给全，基于已有信息先做"默认假设"，并在开头明确写出假设。
默认优先使用以下框架：
test cases passed, vs 15 / 23 without
Published skills whose descriptions closely match this one, with their headline benchmark lift.
More skills from the same source and nearby in the registry, with their headline benchmark lift.