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-suitability-principal-agentWrote 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-suitability-principal-agent)<a href="https://agentmods.dev/skills/deciqai/knowledge-skills/insurance-suitability-principal-agent"><img src="https://agentmods.dev/badge/skills/deciqai/knowledge-skills/insurance-suitability-principal-agent/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-suitability-principal-agent"><img src="https://agentmods.dev/badge/skills/deciqai/knowledge-skills/insurance-suitability-principal-agent.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 | $0.00078 | $0.00637 |
| Opus 5 | $0.00039 | $0.00318 |
| Sonnet 5 | $0.00016 | $0.00127 |
| Haiku 4.5 | $0.00008 | $0.00064 |
Grade A, and why
insurance-suitability-principal-agent 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 8d 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 — 45 lines — stays where its author put it; the contents beside it link to each section on GitHub.
Insurance 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
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.
- 8d ago First seen · 45 lines · 78 tokens per session scan A 5b1f8c8b7dd7
insurance-suitability-principal-agent is a skill published in the GitHub repository deciqAI/knowledge-skills (10 stars, last pushed 10d ago), licensed MIT. It adds 78 tokens to every session and 637 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.
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