A comprehensive insurance calculator for estimating life insurance needs, medical reimbursements, and retirement annuity payouts.
Install & Download
1. ClawHub CLI
The fastest way to install a skill directly from the registry.
npx clawhub@latest install benefit-calc
2. Manual Installation
Copy the skill folder to one of these locations
~/.openclaw/skills/ <project>/skills/ Priority: Workspace > Local > Bundled
3. Prompt Installation
Copy this prompt to OpenClaw to install it automatically.
Help me install benefit-calc using Clawhub. If Clawhub is not installed, install it first (npm i -g clawhub).
Prefer to download?
Get the raw skill files in a ZIP archive.
What is Benefit Calculator?
The Benefit Calculator is a specialized tool designed for AI agents to provide accurate financial planning advice. It streamlines the process of calculating life insurance sum assured, health insurance reimbursements, and critical illness lump sums. By leveraging this tool within the ecosystem of Openclaw Skills, users can get data-driven insights into their coverage requirements.
The skill acts as a bridge between user financial data and actuarial benchmarks. It allows for transparent step-by-step calculations, ensuring that users understand how their coverage amounts or premium estimates were derived. This makes it an essential component for any AI assistant focused on financial literacy or personal finance management.
Benefit Calculator Use Cases
- Determining life insurance requirements based on income and dependents.
- Calculating medical expense reimbursements for hospital stays.
- Estimating critical illness coverage benchmarks for specific age groups.
- Projecting retirement annuity income from policy investments.
- Analyzing premium costs for varying levels of insurance coverage.
How Benefit Calculator Works
- Identify the specific calculation request, such as a payout estimation or a coverage gap analysis.
- Gather necessary inputs including current income, expenses, age, and existing policy details.
- Apply industry-standard actuarial formulas or benchmark rules-of-thumb to the data.
- Generate a transparent breakdown of the calculation steps for the user.
- Provide the final result alongside contextual advice or industry benchmarks.
- Perform sensitivity analysis to show how changes in variables like income or expenses affect the outcome.
Benefit Calculator Setup
To integrate this capability into your agent, install the skill via the Openclaw Skills manager:
openclaw install benefit-calc
Once installed, ensure your agent has the necessary permissions to access financial input parameters. You can test the installation with:
openclaw test benefit-calc --input "income: 50000, age: 30"
Benefit Calculator Data Schema & Taxonomy
The Benefit Calculator processes structured data to return actuarial estimates. Below is the primary input schema:
| Parameter | Description | Type |
|---|---|---|
income |
Annual gross income of the user | Number |
dependents |
Number of individuals relying on the user | Integer |
age |
Current age of the policyholder | Integer |
calc_type |
Category: life, health, critical_illness, or annuity | String |
sum_assured |
The total value of the current policy | Number |
The output is returned as a JSON object containing the estimated_benefit, recommendation_level, and calculation_logic string.
Benefit Calculator Advanced Features
- Multi-scenario sensitivity analysis to model impact of changing economic variables.
- Support for international insurance standards and regional actuarial benchmarks.
- Seamless integration with other Openclaw Skills for comprehensive wealth management workflows.
- Automated delta calculations to identify gaps between current and required coverage.
SKILL.md
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