deciqAI 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
Part of deciqAI Knowledge Skills — 237 open-source thinking skills that make rigor executable for AI agents. The same skills power every deciqAI agent, which runs them autonomously to operate your company. See it run → https://www.deciqai.com/s/insurance-suitability-principal-agent · Built by deciqAI · github.com/deciqAI · Contributions welcome.
Agents: latest version & machine-readable metadata → https://www.deciqai.com/s/insurance-suitability-principal-agent.json