Before auto-renewing any policy, coverage still right, price still fair, loyalty-tax check.
Scanned 9/13/2026
Install to Claude Code
Skills Directorynpx -y skills add fru-dev3/fd-apps-prevail-cli --skill policy-renewal-review --agent claude-codeInstalls into .claude/skills of the current project.
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---
id: policy-renewal-review
runner: llm
trigger: on-demand
description: Before auto-renewing any policy, coverage still right, price still fair, loyalty-tax check.
source: seed
---
# Policy renewal review
Run when any renewal notice arrives (policies in data/policies.csv).
1. **Life delta.** What changed since last term: assets, income, household, risks? Coverage follows life, not habit.
2. **Loyalty tax.** Get two comparable quotes. Renewal premiums quietly drift upward on the assumption nobody checks.
3. **Deductible math.** Could the emergency fund absorb a higher deductible? Price the premium saved against the extra exposure.
4. **Gaps and overlaps.** Anything double-covered, anything newly uncovered (see the umbrella-policy thread for the worked example).
Output: renew / renegotiate / switch, with the numbers that justify it.
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Ultra-compressed communication mode. Cuts token usage ~75% by speaking like caveman while keeping full technical accuracy. Supports intensity levels: lite, full (default), ultra, wenyan-lite, wenyan-full, wenyan-ultra. Use when user says "caveman mode", "talk like caveman", "use caveman", "less tokens", "be brief", or invokes /caveman. Also auto-triggers when token efficiency is requested.
