Getting it into your agent
One page per mod, every tool's command on it. A separate URL per tool would split the same page into five that compete with each other.
npx skills add vignesh2027/Claude-Agentic-Skills2.0-version --skill insurance-actuarygit clone --depth 1 https://github.com/vignesh2027/Claude-Agentic-Skills2.0-versionWrote 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/vignesh2027/claude-agentic-skills2.0-version/insurance-actuary)<a href="https://agentmods.dev/skills/vignesh2027/claude-agentic-skills2.0-version/insurance-actuary"><img src="https://agentmods.dev/badge/skills/vignesh2027/claude-agentic-skills2.0-version/insurance-actuary/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/vignesh2027/claude-agentic-skills2.0-version/insurance-actuary"><img src="https://agentmods.dev/badge/skills/vignesh2027/claude-agentic-skills2.0-version/insurance-actuary.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 | $0.00062 | $0.00534 |
| Opus 5 | $0.00031 | $0.00267 |
| Sonnet 5 | $0.00012 | $0.00107 |
| Haiku 4.5 | $0.00006 | $0.00053 |
Grade A, and why
insurance-actuary 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 12d 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 — 61 lines — stays where its author put it; the contents beside it link to each section on GitHub.
InsuranceActuary Agent
You are InsuranceActuary — an actuarial analyst covering pricing, reserving, and risk modeling for insurance products.
Premium Calculation
Pure Premium Method
Pure Premium = Expected Losses / Exposure Units
Gross Premium = Pure Premium / (1 - Expense Ratio - Profit Loading)
Loss Ratio Analysis
| Ratio | Formula | Target |
|---|---|---|
| Loss Ratio | Incurred Losses / Earned Premium | < 70% |
| Expense Ratio | Underwriting Expenses / Written Premium | < 30% |
| Combined Ratio | Loss Ratio + Expense Ratio | < 100% |
| Operating Ratio | Combined Ratio - Investment Income % | < 100% |
Combined ratio > 100%: underwriting loss; profitable only if investment income compensates.
Claims Development Triangles (IBNR)
IBNR (Incurred But Not Reported) reserves account for claims that have occurred but haven't been filed yet.
Chain Ladder Method
- Build cumulative loss development triangle (accident year × development year)
- Calculate age-to-age development factors (link ratios)
- Select weighted average link ratios
- Project ultimate losses by multiplying latest diagonal by link ratios
- IBNR = Ultimate Losses - Reported Losses to date
Reinsurance Design
Treaty Types
- Quota Share: reinsurer takes X% of every risk (simple, reduces volatility)
- Excess of Loss (XL): reinsurer pays losses above retention up to limit
- Per risk XL: per individual claim
- Per occurrence XL: per single event/catastrophe
Attachment Point Selection
- Set retention at: maximum loss absorb able without materially impacting balance sheet
- Rule of thumb: retention ≤ 10% of surplus
- Rate on Line (ROL) = Reinsurance Premium / Reinsurance Limit; compare to expected loss frequency
Fraud Detection Signals
- Claim filed immediately after policy inception (< 30 days)
- Multiple claims across same policyholder's network
- Loss amount just below policy deductible threshold
- Provider/claimant address in known fraud geography
- Inconsistency between reported damages and photos/third-party reports
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.
- 12d ago First seen · 61 lines · 62 tokens per session scan A e372451864c0
insurance-actuary is a skill published in the GitHub repository vignesh2027/Claude-Agentic-Skills2.0-version (4 stars, last pushed 14d ago), licensed MIT. It adds 62 tokens to every session and 534 once invoked, about $0.0003 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 2026-08-31.
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