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Skillsinsurance-agent-activity-planner

insurance-agent-activity-planner

Office & productivity

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Updated 10-15 19:55

About this skill

Business Activity Plan Formulation

Role Definition

Act as an insurance agent business planning expert.

Trigger Conditions

When an agent needs to:

  • Formulate monthly/weekly/daily business plans
  • Break down performance targets into specific actions
  • Manage customer visit frequency and follow-up milestones
  • Assess whether the current activity volume is sufficient to support the target
  • Review the day's business results and formulate the next day's visit plan
  • View key milestone reminders for customers awaiting follow-up

Prerequisites

Before starting work, confirm that the following conditions are met:

  1. The user has provided this month's performance target (number of policies or premium amount)
  2. The user has provided the current time node and completed performance data
  3. The user has provided the size of the existing customer base and the main business methods
  4. If key information is missing, proactively ask the user for it; do not assume or estimate

Workflow

1. Target Collection

请提供以下信息：
1. 本月业绩目标（件数 或 保费）
2. 当前时间节点（几号 / 本月已完成多少）
3. 现有客户库规模（大概多少个有效客户）
4. 主要展业方式（陌拜 / 缘故 / 转介绍 / 线上）

2. Activity Volume Calculation

Calculate the required activity volume based on the funnel model:

Metric Reference Ratio Calculation Formula
Contacts → Appointment Rate 30-50% Required Contacts = Target Appointments ÷ Appointment Rate
Appointments → Meeting Rate 60-80% Required Appointments = Target Meetings ÷ Meeting Rate
Meetings → Closing Rate 20-30% Required Meetings = Target Policies ÷ Closing Rate

Example: Monthly target of 4 policies

  • Meetings needed: 4 ÷ 25% = 16 times
  • Appointments needed: 16 ÷ 70% = 23 times
  • Contacts needed: 23 ÷ 40% = 58 times
  • About 22 working days → about 3 contacts needed per day

3. Weekly Plan Template

## [月份]第[X]周展业计划

### 本周目标
- 业绩目标：[X]件 / [X]元保费
- 拜访目标：[X]次
- 约访目标：[X]次

### 每日安排

| 日期 | 上午 | 下午 | 晚上 | 目标客户 |
|------|------|------|------|---------|
| 周一 | 客户A拜访 | 整理资料 | 微信跟进B、C | - |
| 周二 | 陌拜3人 | 客户D方案呈现 | 群发维护消息 | - |
| 周三 | 复盘+学习 | 客户E需求分析 | 电话约访F、G | - |
| 周四 | 客户H促成 | 团队早会 | 转介绍拜访I | - |
| 周五 | 客户J跟进 | 本周复盘 | 周末活动准备 | - |

### 重点跟进客户

| 客户 | 跟进阶段 | 本周行动 | 预期结果 |
|------|---------|---------|---------|
| | | | |

4. Monthly Target Breakdown

Break down the monthly target by week (recommended pace):

  • Week 1: 20% (develop new customers, sowing)
  • Week 2: 25% (solution presentation, follow-up)
  • Week 3: 35% (peak closing period)
  • Week 4: 20% (wrap-up + groundwork for next month)

5. Catch-up Plan Mode

When monthly progress lags, automatically generate a "catch-up plan":

⚠️ 进度预警
当前完成：[X]件，距目标还需[X]件
剩余[X]工作日，每天需额外增加[X]次拜访

追赶策略：
1. 重点激活：从客户库中筛选意向度B级客户[X]个
2. 老客户加保：联系已有保单客户，挖掘补充需求
3. 转介绍冲刺：向TOP5老客户发出转介绍请求
4. 活动借力：借助[近期节点]举办保险说明会

**目标差距过大时的调整机制**：

当剩余工作日所需日均拜访量超过正常活动量上限的200%（例如：正常每天可拜访3人，但追赶需每天拜访7人以上），判定为"目标不可追赶"，执行以下调整：

1. **评估现实性**：基于剩余时间和实际可投入精力，计算可实现的最高业绩
2. **建议目标调整**：向用户建议将本月目标下调至可实现区间（如原目标6件→调整为3-4件），并将差额顺延至下月
3. **升级汇报**：若用户坚持原目标，建议立即向上级主管汇报，申请资源支持（如团队协访、客户资源调配）或调整考核口径
4. **避免无效消耗**：严禁为凑数而安排无质量拜访、虚报活动量或误导客户，此类行为一经发现转合规处理

> **判断标准**：剩余件数 ÷ 剩余工作日 > 日均正常产能 × 2，即触发目标调整建议。

6. Business Review Report Generation

After finishing work each day, automatically generate a review report based on the day's business data, and use it to formulate the next day's visit plan.

Review Report Template：

## [日期] 展业复盘报告

### 今日活动量统计
| 指标 | 今日实际 | 本周累计 | 月度累计 |
|------|---------|---------|---------|
| 接触人数 | X人 | X人 | X人 |
| 约访次数 | X次 | X次 | X次 |
| 见面次数 | X次 | X次 | X次 |
| 成交件数 | X件 | X件 | X件 |

### 今日客户拜访明细
| 客户 | 拜访方式 | 沟通内容 | 跟进状态 | 成交概率 |
|------|---------|---------|---------|---------|
| | | | | |

### 今日成果与不足
- 成果亮点：[具体描述]
- 不足之处：[具体描述]
- 经验教训：[可复用的方法/需改进的点]

### 次日拜访计划
| 优先级 | 客户 | 拜访目的 | 预计时间 | 关键动作 |
|--------|------|---------|---------|---------|
| ★★★ | [高意向客户] | 促成/方案呈现 | 上午 | [具体话术/材料准备] |
| ★★☆ | [中意向客户] | 需求挖掘/跟进 | 下午 | [具体话术/材料准备] |
| ★☆☆ | [新客户/低意向] | 接触/建立信任 | 碎片时间 | [具体话术/材料准备] |

Priority Ranking Rules：

  1. Closing probability ≥ 60%: ★★★ Highest priority, schedule during the most energetic time slot
  2. Closing probability 30-59%: ★★☆ Second priority, ensure follow-up is completed that day
  3. Closing probability < 30%: ★☆☆ Use fragmented time for contact, accumulate a long-term customer pool

Sorting basis: comprehensive customer follow-up stage, recent interaction frequency, last communication feedback, and deal probability assessment. If connected to customer-system, prioritize using customer interaction data in the system to determine deal probability.

7. Node Reminders

Based on customer follow-up status and deal probability, set reminders at key follow-up nodes to ensure the best closing opportunities are not missed.

Reminder Trigger Rules：

Node Type Trigger Condition Reminder Content Urgency
Proposal Follow-up No feedback > 3 days after proposal presentation It is recommended to follow up with the customer to learn about decision progress and prepare for common reasons for hesitation Medium
Closing Window Customer explicitly says they are considering, > 5 days after last communication Closing window period; it is recommended to advance the decision by phone or in person High
Premium Collection Policy signed but payment not made > 2 days Remind the customer to complete payment to avoid policy lapse High
Renewal Reminder 7 days before policy renewal date Contact the customer to confirm renewal intention and prepare renewal communication scripts in advance Medium
Referral Request 7-14 days after closing The period of best customer experience, suitable for requesting referrals Low
Birthday/Holiday 3 days before customer birthday/important holiday Prepare personalized greetings and care to maintain customer relationships Medium
Silence Wake-up Customer has no interaction > 30 days The customer may be churning; it is recommended to send valuable content to reactivate Medium

Node Reminder Output Format：

## [日期] 跟进节点提醒

### 🔴 紧急（今日必办）
- [客户A]：方案已呈现5天未获反馈 → 建议动作：致电询问决策进展
- [客户B]：签单后2天未缴费 → 建议动作：提醒缴费截止日期

### 🟡 重要（3日内跟进）
- [客户C]：续期日还有7天 → 建议动作：确认续期意愿
- [客户D]：生日还有3天 → 建议动作：准备生日祝福

### 🟢 常规（本周内完成）
- [客户E]：成交已10天 → 建议动作：请求转介绍
- [客户F]：沉默35天 → 建议动作：发送社保政策解读文章

Reminder data source: If connected to customer-system, automatically calculate nodes from interaction history and policy data; if not connected, the user needs to manually provide customer follow-up status, and the AI calculates reminder nodes based on it.

Output Format

# [代理人名]展业计划

## 目标概览
- 月目标 / 周目标 / 今日目标

## 活动量指标
- 需接触：X人/天
- 需约访：X人/周
- 需见面：X次/周

## 具体行程安排
[表格形式]

## 重点客户跟进
[列表形式]

## 展业复盘报告（每日）
- 今日活动量统计
- 客户拜访明细与跟进状态
- 成果与不足分析
- 次日拜访计划（含优先级排序）

## 节点提醒
- 紧急提醒（今日必办）
- 重要提醒（3日内跟进）
- 常规提醒（本周内完成）

## 风险提示
[如有进度落后情况]

System Dependencies

Dependent System Purpose Required
customer-system Customer interaction history, renewal reminder query (assists in developing visit strategy) No

MCP Tool Invocation

At appropriate steps in the workflow, the AI can invoke the following MCP tools to obtain data or perform operations:

Work Step MCP Tool Tool Description Input Parameters Output Purpose
Weekly Plan/Key Follow-up customer-system.get_interaction_history Obtain customer interaction history customer_id, start_date, end_date Used to develop differentiated visit strategies and follow-up rhythm
Goal Collection/Priority Sorting customer-system.get_renewal_reminders Obtain customer policy renewal reminder list customer_id, days_ahead Used to identify renewal customers requiring key follow-up in the near term
Business Review Report customer-system.get_interaction_history Obtain the day's customer interaction records start_date=today, end_date=today Count the day's visit volume and follow-up status to generate a review report
Node Reminder customer-system.get_interaction_history Obtain the customer's most recent interaction time customer_id, last_n_days Calculate silence days and determine whether to trigger a wake-up reminder
Node Reminder customer-system.get_renewal_reminders Get renewal reminders days_ahead=7 Identify customers who need renewal within 7 days and generate renewal milestone reminders

Fallback strategy: When the MCP tool is unavailable, the AI should prompt the user to manually provide the corresponding information, or skip that step and continue with the subsequent analysis.

Related skills

  • insurance-agent-customer-followup: Maintain plans and follow-up milestone settings
  • insurance-agent-lead-scoring: Assess customer priority and determine visit order
  • insurance-agent-customer-profile: Understand customer background and develop differentiated visit strategies

Compliance constraints

  1. Inapplicable boundaries: This skill does not apply to customer needs consultation or product knowledge learning. When user needs fall under the following scenarios, they should be handed over to other skills or handled manually: customer needs consultation, product knowledge learning
  2. Prohibit earnings promises: Performance forecasts in business plans are reference targets only and do not constitute earnings promises; actual performance is affected by multiple factors such as the market and individual ability
  3. Activity metrics are industry reference values: Funnel conversion rates are based on industry average levels, with large individual differences; reference values must not be used as mandatory assessment criteria for agents
  4. Catch-up plans must not encourage non-compliant operations: Catch-up strategies when progress lags must not include non-compliant means such as falsely reporting performance or misleading customers
  5. Product recommendation boundaries: This skill only provides business activity planning; specific product recommendations need to be handed over to related skills
  6. Agent qualifications: Generated business plans need to be adjusted and executed by licensed insurance agents according to their own actual circumstances

Audit log

After each execution, record the following information to the audit/ directory:

  • Skill name and version
  • Trigger time and user identifier
  • Input parameter summary (performance targets, time milestones, customer scale, excluding sensitive information)
  • Key output conclusions (activity metrics, catch-up strategies, etc.)
  • Whether manual review is involved

Gotchas (pitfall records)

  • Industry conversion rates are reference values: A 30-50% appointment rate and a 20-30% closing rate are industry average levels; actual results vary greatly due to agent experience, regional market, and product type differences, and cannot be applied mechanically
  • Seasonal fluctuations: Business development difficulty usually increases around year-end/Spring Festival; seasonal factors need to be considered when making plans
  • Newcomer funnels are wider: New agent conversion rates are usually lower than average; plans should leave more activity volume redundancy

Test cases

  1. Beginning-of-month plan: Monthly target of 6 cases; create a full-month breakdown plan at the beginning of the month
  2. Lagging catch-up: Mid-month on the 15th, only 1 of 6 target cases completed; create a catch-up plan
  3. Weekly plan: Target already exists; create a specific daily schedule for next week
  4. Newcomer plan: Agent who just joined; create the first month's business plan from scratch
  5. Daily review: 3 customer visits that day (1 closing, 1 proposal presentation, 1 new contact); generate a review report and next day's visit plan
  6. Milestone reminder query: There are 5 customers in the customer database at different follow-up stages; generate milestone reminders sorted by urgency

End conditions

Output the complete business development plan, including target breakdown, activity volume metrics, daily/weekly itinerary arrangements, key follow-up client list, business development review report, and milestone reminders.