Free OpenClaw Skill for Life Insurance Practices: Case Manager Agent (Download)

What this skill does for your life insurance practices

• Chases APS (Attending Physician Statement) requests by hour 48, day 7, day 21, with the case manager pinged at day 30 when the medical office goes silent.
• Routes new applications to accelerated UW (AURA, Munich Re, Hannover, Swiss Re) when the case profile fits, full medical when it doesn't, with the eligibility rationale logged for compliance review.
• Runs the NAIC Model 275 suitability documentation for annuity sales, with the agent-completed worksheets staged and the missing fields flagged before the case is submitted.
• Compiles the weekly pipeline by stage (quoted, in-UW, approved-not-placed, placed, NTO) with stale cases over 45 days flagged and a drafted nudge to the producer or the client.
• Handles policy delivery follow-up at day 1, day 7, day 30, day 60 to lock in the free-look conversion and surface persistency-risk signals early.

What's inside this OpenClaw skill

The full file you download, indexed below for search engines and for operators who want to read before they install.

---
name: life-insurance-case-manager
description: Case manager agent for life insurance agents, BGAs, and IMOs. Handles APS chase, accelerated underwriting routing, NAIC suitability documentation, pipeline follow-up, and policy delivery follow-up. Integrates with AgencyBloc, Radius BOB, EZLynx for Life, Insureio.
version: 1.0.0
author: OpenClaw Consult (Adhiraj Hangal)
license: MIT
url: https://openclawconsult.com/skills/life-insurance-agents
---

# OpenClaw Skill: Life Insurance Case Manager

## Overview

This skill turns the OpenClaw agent into a case manager equivalent for your
life insurance practice. It does not replace the case manager role: it
amplifies it. The skill owns the APS chase, the routing-engine eligibility
check, the suitability paperwork prep, and the pipeline nudges so the human
case manager spends the day on the cases that need real judgment.

It is designed for independent life insurance agents, BGAs, and IMOs writing
term, permanent, indexed UL, whole life, and annuity business across the major
carrier panels.

## What this skill does

1. APS (Attending Physician Statement) chase at hour 48, day 7, day 21, day 45
2. Accelerated UW eligibility routing (AURA, Munich Re, Hannover, Swiss Re)
3. NAIC Model 275 suitability documentation prep for annuity sales
4. Weekly pipeline review by stage with stale-case alerts
5. Policy delivery follow-up at day 1, 7, 30, 60 for free-look conversion
6. Replacement notice documentation per state replacement regulations

## Triggers

```yaml
triggers:
  - type: heartbeat
    schedule: "0 8 * * 1"            # Mondays 8am
    action: compile_weekly_pipeline

  - type: heartbeat
    schedule: "0 9 * * *"            # Daily 9am
    action: run_aps_chase_report

  - type: on_event
    event: case.application_submitted
    action: route_to_accelerated_uw_or_full_medical

  - type: on_event
    event: case.aps_requested
    action: enter_aps_chase_queue

  - type: on_event
    event: case.policy_issued
    action: enter_policy_delivery_followup

  - type: on_event
    event: case.annuity_application_started
    action: stage_suitability_worksheet
```

## Workflow: APS chase

When an APS is requested from a medical provider, the agent:

1. Logs the provider, requesting carrier, and request date to the case memory
2. At hour 48: drafts a courtesy follow-up to the records department if
   the provider has a portal acknowledgment system
3. At day 7: drafts an escalation email or call script to the records
   department, with the case manager pinged on Slack
4. At day 21: drafts the carrier-side extension request and the applicant
   communication asking for a co-signed expediting letter
5. At day 45: alerts the case manager with the recommendation to escalate
   to the provider's HIPAA compliance officer or to consider an alternate
   underwriting path

Most carriers will pull a case at day 60-75 of an outstanding APS. The skill
is designed to keep the case alive inside that window.

## Workflow: accelerated UW routing

When a new application is submitted, the agent:

1. Reads the application data (age, face amount, history, occupation, lifestyle)
2. Scores against the eligibility criteria for AURA, Munich Re, Hannover,
   Swiss Re Magnum, and the carrier-specific accelerated programs (Prudential
   PruFast Track, Lincoln WealthAccelerate, Pacific Life Pacific Quick Path)
3. Produces a routing recommendation with the rationale logged
4. Routes the recommendation to the case manager or producer for approval
5. Never submits to a carrier without human approval

The skill does not make underwriting determinations. It scores eligibility
for routing and produces a recommendation. The producer or case manager
approves before submission.

## Workflow: NAIC suitability documentation

For annuity applications under NAIC Model 275 (in effect in most states):

1. Loads the suitability worksheet for the applicant
2. Cross-references the applicant's financial picture (income, liquid assets,
   liquidity needs, time horizon, risk tolerance) against the recommended
   annuity product
3. Flags missing financial-need fields before submission
4. Drafts the producer-attestation section for the producer's review
5. Routes the completed worksheet to the compliance reviewer before carrier
   submission

The skill never acts as the suitability reviewer. It prepares the file so
the reviewer can complete the determination quickly.

## Workflow: pipeline review

Every Monday at 8am the agent compiles the pipeline by stage:

- Quoted (pre-application)
- Applied, in-underwriting
- Approved, not placed (free-look window pending)
- Placed and persistent
- Not-taken-out (NTO) and lapsed

Stale cases over 45 days in any non-terminal stage trigger an alert to the
case manager with a drafted nudge to the producer or the client.

## Workflow: policy delivery follow-up

After policy issue, the agent runs the delivery and free-look cadence:

- Day 1: drafted delivery confirmation message to the client
- Day 7: drafted check-in asking about any questions
- Day 30: drafted persistency-check message
- Day 60: drafted satisfaction note for free-look conversion

A 5-agent practice typically sees 10-20% NTO rate without active delivery
follow-up. Disciplined delivery follow-up cuts NTO to under 5%.

## Memory keys

```yaml
memory:
  - key: case.profile[{case_id}]
    description: Per-case state and stage
    schema: { applicant: string, carrier: string, face_amount: number, product: string, stage: enum, application_date: date }

  - key: case.aps_chase[{case_id}]
    description: APS request and chase escalation state
    schema: { provider: string, requested_date: date, days_outstanding: int, last_chase: date, escalation_stage: enum }

  - key: case.accelerated_uw_route[{case_id}]
    description: Routing recommendation and rationale
    schema: { route: enum, rationale: string, approved_by: string, approved_at: datetime }

  - key: case.suitability[{case_id}]
    description: Annuity suitability worksheet state
    schema: { product: string, missing_fields: array, complete: bool, reviewer: string }

  - key: pipeline.aging
    description: Daily roll-up of cases by stage and age
```

## Message templates

```yaml
templates:
  aps_chase_day_7:
    channel: email
    to: provider_records_dept
    subject: "APS request follow-up: {applicant_name}, DOB {dob}"
    body: |
      Hello,

      I am following up on an APS request submitted on {request_date} for
      {applicant_name} (DOB {dob}). The HIPAA authorization is on file with
      your records department under request {request_id}.

      Could you confirm receipt and provide a status update on processing
      time? The applicant has signed a co-signed expediting letter we are
      happy to provide if helpful.

      {case_manager_name}
      {agency_name}

  policy_delivery_day_7:
    channel: sms
    body: |
      Hi {applicant_first_name}, this is {producer_first_name}. Just
      checking in a week after your new {product_name} policy delivered.
      Any questions on the coverage or the payment schedule? Happy to walk
      through anything.

  pipeline_stale_case_alert:
    channel: slack
    body: |
      STALE CASE
      Case: {case_id} | Applicant: {applicant_name}
      Stage: {stage} | Days in stage: {days_in_stage}
      Last activity: {last_activity}
      Suggested next step: {next_step}
```

## Required integrations

| Integration                | Purpose                                        | Read | Write |
|----------------------------|------------------------------------------------|------|-------|
| AgencyBloc                 | Agency management and case state               | yes  | optional |
| Radius BOB                 | Book-of-business and case management           | yes  | optional |
| EZLynx for Life            | Quote management and pipeline                  | yes  | no    |
| Insureio                   | Case management and submission                 | yes  | optional |
| BGA aggregator (LifePro, NFP, Crump, Brokers Alliance) | Multi-carrier case status | yes  | no    |
| iPipeline iGO / Firelight  | e-Application submission status                | yes  | no    |
| Twilio / SMS provider      | Outbound SMS to providers and applicants       | no   | yes   |
| Email provider             | Outbound email                                 | no   | yes   |
| OpenClaw Memory            | Case state across runs                         | yes  | yes   |
| OpenClaw Heartbeat         | Scheduled chase and pipeline review            | yes  | yes   |

## Compliance notes

The skill respects state replacement regulations (1035 exchange disclosure,
state-specific replacement notice forms) and never drafts a replacement
recommendation. Replacement determinations stay with the producer.

For annuity suitability under NAIC Model 275, the skill prepares the file
but does not act as the suitability reviewer. State-specific annuity
suitability rules (Iowa, New York Regulation 187, others) layer on top
of Model 275 and the config block should be reviewed by the firm's
compliance officer before production.

## Configuration

```yaml
config:
  agency_name: "Your Agency"
  voice: "trusted-broker"
  approval_mode: case_manager_approves_all
  phi_mode: standard
  aps_chase_cadence_days: [2, 7, 21, 45]
  policy_delivery_cadence_days: [1, 7, 30, 60]
  stale_case_threshold_days: 45
  carrier_panel:
    - name: Prudential
      accelerated_program: PruFast Track
    - name: Lincoln National
      accelerated_program: WealthAccelerate
    - name: Pacific Life
      accelerated_program: Pacific Quick Path
    - name: Symetra
      accelerated_program: SwiftTerm
    - name: John Hancock
      accelerated_program: ExpressTrack
  bga_aggregator: "LifePro"
  state_annuity_overrides:
    new_york: regulation_187
    iowa: 191.51
```

## Quick install

```bash
mkdir -p ~/.claude/skills
mv life-insurance-agents.md ~/.claude/skills/life-insurance-case-manager.md
# Edit the config block to match your agency
```

Launch OpenClaw and the skill is live. Run `compile pipeline` or
`run aps chase` to invoke it on demand, or wait for Heartbeat to fire on
the configured schedule.

## Want it wired to your stack?

The free SKILL.md is the starting point. If you want it plugged into your
specific carrier panel, your BGA case management portal, your annuity
suitability reviewer, and your producer's preferred communication style on
a fixed-price two-week clock, the door is at
https://www.adhirajhangal.com/work

Install in 60 seconds

1. 1

   Drop the file into your OpenClaw skills directory

   Save the downloaded life-insurance-agents.md as ~/.claude/skills/life-insurance-case-manager.md (or your agency-level .claude/skills/). OpenClaw picks up new skill files on next agent launch.

2. 2

   Wire in your agency management and quoting platforms

   Edit the integrations block to point at your AgencyBloc, Radius BOB, EZLynx for Life, or Insureio instance. Read access is enough to start the APS chase and pipeline workflows. The skill ships integration prompts for the major BGA case management portals (LifePro, NFP, Crump, Brokers Alliance) too.

3. 3

   Launch in approval mode, validate, then flip to autonomous

   Run for the first three weeks with the case manager approving every outbound message to medical offices, applicants, and carriers. The skill defaults route anything that touches medical disclosure, replacement notices, or final placement to a human. After validation, flip the standard APS reminders and pipeline nudges to autonomous.

Example conversation

Common questions

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