Getting it into your agent
It runs from inside its repository, so the clone comes first — what it calls does not travel with the file alone.
git clone --depth 1 https://github.com/deciqAI/knowledge-skillsnpx agentmods add skills/deciqai/knowledge-skills/insurance-renewal-retention-ladderWrote this? Show the measurements
A badge with what this costs and how it scanned, read live from this page, so it follows the numbers instead of freezing them. Markdown for a README, HTML for a documentation site or a project page.
[](https://agentmods.dev/skills/deciqai/knowledge-skills/insurance-renewal-retention-ladder)<a href="https://agentmods.dev/skills/deciqai/knowledge-skills/insurance-renewal-retention-ladder"><img src="https://agentmods.dev/badge/skills/deciqai/knowledge-skills/insurance-renewal-retention-ladder/github.svg" alt="Measured on agentmods" height="20"></a>Or the 80×15 button, for a site that already has a row of RSS and ATOM ones. Only the verdict fits; the numbers stay here.
<a href="https://agentmods.dev/skills/deciqai/knowledge-skills/insurance-renewal-retention-ladder"><img src="https://agentmods.dev/badge/skills/deciqai/knowledge-skills/insurance-renewal-retention-ladder.svg" alt="Reviewed on agentmods" width="80" height="20"></a>What it costs to keep this loaded
Counted locally with the o200k_base tokenizer, which is exact for GPT models; Claude uses its own tokenizer and its counts differ. Treat this as one consistent yardstick across the catalogue rather than a bill. Prices are per million input tokens.
| Model | Per session | Once invoked |
|---|---|---|
| Fable 5.1 | $0.00082 | $0.00721 |
| Opus 5 | $0.00041 | $0.00360 |
| Sonnet 5 | $0.00016 | $0.00144 |
| Haiku 4.5 | $0.00008 | $0.00072 |
Grade A, and why
insurance-renewal-retention-ladder scanned grade A with 0 findings against 26 rules in 11 categories — prompt injection, anti-refusal, data exfiltration, privilege escalation, supply chain, agent snooping, system-prompt leakage, SSRF and excessive agency — measured 9d ago.
A static scan of the body, not an audit. Every finding is printed with the line that produced it so you can judge whether it matters here. A mod is markdown that instructs an agent; that is exactly why what it instructs is worth reading.
Nothing flagged
None of the 26 patterns this scan looks for appear in this file: no shell pipes, no recursive deletes, no credential paths, no hidden text, no instruction-override or anti-refusal phrasing, no agent-config snooping. That is not a guarantee, it is the absence of the things that are checkable.
How it starts
The opening of the file, as written. The whole thing — 47 lines — stays where its author put it; the contents beside it link to each section on GitHub.
Insurance Agent — Renewal & Retention Ladder
Industry front door for customer-relationship-ladder. Adds domain triggers, example, packs. Parent Process unchanged. Guidance, not professional advice. No legal, tax, financial or regulatory advice; verify anything jurisdiction- or rate-dependent against current authority. The professional who acts owns the decision.
Activate when: building a renewal/retention cadence; deciding cross-sell timing; a book with single-line clients; retention slipping at renewal. Do NOT activate when: no book yet.
Why this variant
The parent customer-relationship-ladder moves contacts up rungs. Insurance is a recurring-revenue business where retention and account rounding (multiple lines per household) drive profit far more than new logos. The ladder turns a one-policy buyer into a multi-line, long-retained, referring client.
Domain inputs → the ladder
Rungs and lift triggers:
- One policy → rounded account (auto+home+umbrella; business owner: add lines) via annual review.
- Rounded → retained (proactive pre-renewal contact, coverage-gap review before the carrier's rate letter causes shopping).
- Retained → advocate (referral ask after a good claim experience or a savings win). Each rung = a scheduled touch (feed a CRM/renewal agent), not a hope.
Worked example
Client has only auto; agent contacts them only when the renewal price jumps → client shops and leaves. → Ladder fix: annual review rounds the account (multi-line clients retain far better), proactive pre-renewal outreach reframes value before the rate letter, referral ask after a smooth claim. Retention and premium per household both rise.
Packs
- Solo agent: annual-review + pre-renewal outreach cadence; round-out checklist.
- Agency: monoline-account report → cross-sell campaign; at-risk renewal alerts.
Red flags
- Only contacting clients when price rises.
- Monoline households left un-rounded (low retention).
- No proactive pre-renewal touch (carrier rate letter drives shopping).
What this file has done since we first saw it
Hashed on every crawl. A supply-chain change to an agent config is a question of when, not whether, so the history is kept rather than the latest state alone.
- 9d ago First seen · 47 lines · 82 tokens per session scan A f1bf8c286a5d
insurance-renewal-retention-ladder is a skill published in the GitHub repository deciqAI/knowledge-skills (10 stars, last pushed 10d ago), licensed MIT. It adds 82 tokens to every session and 721 once invoked, about $0.0004 per session on Opus 5. A static security scan graded it A with 0 findings. No closer match exists in the catalogue, so it is treated as the original; first seen 2026-09-03.
Other skills, from other repositories
invoice-chase
Runs collections on late invoices: builds an aging ladder (current/30/60/90+), assigns each invoice a rung on an escalation sequence with ready-to-send emails — friendly nudge, firm reminder with late-fee mention, final notice — plus a phone script, tone rules that preserve the relationship, a chase log, and…
audit-support
Gets the books audit-ready: builds the PBC (prepared-by-client) list by area, drafts walkthrough narratives for key cycles (revenue, purchases, payroll), matches auditor samples to support, prepares tie-out schedules, tracks open items with owners and due dates, and drafts responses to findings. Use when the user says…
financial-statements
Builds a full statement set — P&L, balance sheet, and indirect cash flow — from a trial balance or transaction export, mapping accounts to a standard chart and proving every tie-out in code. Use when the user says 'build a P&L from this trial balance', 'turn this export into financials', 'I need a balance sheet for…
plan-payroll
Plans payroll cash: true loaded cost per hire (gross plus employer taxes, benefits, tools), a payroll calendar with cutoffs and cash-out dates, a scenario table for new hire vs raise vs contractor-vs-employee, and a payroll-to-revenue check against rough industry bands. Use when the user asks "can I afford to hire"…
review-contract
Clause-by-clause contract review — inventories key clauses (term, termination, liability cap, indemnity, IP, payment, confidentiality, governing law, auto-renewal), flags deviations from market-standard positions with RED/YELLOW/GREEN severity and verbatim quotes, drafts redline language, and sets negotiation…
tax-prep
Organizes tax season — an organizer, not tax advice: a document checklist by category (income, expenses, assets, payroll, prior filings), an expense-category sweep that flags plausibly missed deductions in generic jurisdiction-agnostic categories, a quarterly-estimate calendar template, a clean handoff pack for the…