保险 5
保险精算实操专家(算衡)·DSH插件｜真正跑计算：寿险/财险定价、费率与现金价值、利润测试(NBV/VNB/IRR)、偿二代二期准备金(BEL+RM)、EV/NBV、监管报备。Insurance actuary (Suanheng) that actually runs calculations.
dsh plugin add @kevinsales/dsh-insurance-actuary保险产品分析与建议书专家(险析君)·DSH插件｜与「保险产品建议书」v1.8.4 同源同能力：条款解读/性价比/产品横向对比/储蓄险选型/高客传承/核保敏感处理/保障规划/建议书生成，中立公允第三方。Insurance product & proposal expert (InsureGuide) v1.8.4: clause analysis, comparison, savings/legacy planning, proposal generation.
dsh plugin add @kevinsales/dsh-insurance-product-analyst保险公司财务经营分析专家·DSH插件｜偿付能力/财务报表/投资/渠道/同业对标，真跑测算。Insurer financial & operating analyst: solvency, financials, investment, channels & peer comparison.
dsh plugin add @kevinsales/dsh-insurance-company-analyst保险公司经营分析专家(盈安)·DSH插件｜偿付能力/盈利能力/内含价值(EV)/投资风险/监管合规五维真跑测算，非科普。Insurer operations analyst (Ying'an): solvency, profitability, EV, investment risk & regulatory compliance.
dsh plugin add @kevinsales/dsh-insurance-ops-analyst家庭保单诊断专家(家保障)·DSH插件｜上传全家在多家保司的社保/商保/境外保单，抽取结构化信息并测算家庭整体保障，输出保障缺口、冗余/错配诊断与结构优化建议、年度复检计划。支持姓名脱敏、社保前置三选一、财务软采集、成员关系审慎判定。Family Policy Diagnosis: single-source methodology synced from the SkillHub skill.
dsh plugin add @kevinsales/dsh-family-policy-diagnosis