Risk Profile
Evaluate a user's personal risk exposure across health, financial, and lifestyle dimensions. Generate a risk profile report and recommend prioritized insurance and protection strategies.
When to Use
- - User wants to understand their personal risks
- User is starting insurance planning from scratch
- User asks "what risks should I be protecting against?"
- User wants to prioritize which insurance to buy first
- User has had a major life event and wants to reassess risk
How to Use
- 1. Conduct a risk assessment questionnaire: age, health status, job type, dependents, assets, debts, lifestyle habits
- Score risks across categories: mortality, morbidity (illness/disability), property, liability, income disruption
- Generate a risk profile with high/medium/low ratings per category
- Map risks to appropriate insurance solutions
- Prioritize by impact × probability
- Provide a phased protection plan based on budget
Examples
- - "Help me figure out what risks I should be insuring against"
- "I'm a freelancer with no employer benefits, what's my risk profile?"
- "I just had a baby, what risks do I now need to protect against?"
风险画像
评估用户在健康、财务和生活方式等维度的个人风险敞口。生成风险画像报告，并推荐优先级的保险与保障策略。
适用场景
- - 用户希望了解自身风险状况
- 用户从零开始规划保险
- 用户询问我应该防范哪些风险？
- 用户希望确定优先购买哪种保险
- 用户经历重大人生变故后需要重新评估风险
使用方法
- 1. 开展风险评估问卷：年龄、健康状况、职业类型、受抚养人、资产、负债、生活习惯
- 对各类风险进行评分：死亡风险、疾病风险（患病/残疾）、财产风险、责任风险、收入中断风险
- 生成风险画像，按类别标注高/中/低等级
- 将风险映射至相应的保险解决方案
- 按影响程度×发生概率进行优先级排序
- 根据预算提供分阶段保障计划
示例
- - 帮我弄清楚应该为哪些风险投保
- 我是自由职业者，没有雇主福利，我的风险画像是什么？
- 我刚生了孩子，现在需要防范哪些风险？
