version: "1.0.0" name: assicurazione-vita-info description: Explain life policies with surrender math. Use when asked assicurazione vita, life policy Italy. license: MIT compatibility: Claude Code, Codex, Grok, Cursor, Copilot, Copilot CLI, Gemini, OpenCode, Windsurf metadata: {author: ai-skills-hub, version: "0.3", lang: "en", last_verified: "2026-09-28"} allowed-tools: Read Write argument-hint: "[policy]" user-invocable: true disable-model-invocation: false

Assicurazione Vita (Info Only)

Life policies decoded: TCM vs vita intera vs unit, surrender math.

When to use

• "assicurazione vita", "life policy Italy".
• Do not use for investment advice (comparison math only).

Workflow

1. Types: TCM (term, pays on death in window) · vita intera/miste (savings layer) · unit/index-linked (market risk flagged).
2. Surrender (riscatto): penalties by year + paid-vs-received math shown plainly.
3. Beneficiaries: designation + fuori-asse rules overview (no verdicts on shares).
4. Output: situation map + questions for insurer/advisor.

Rules

• No product endorsement; no "sign it" pushes.
• Unit-linked risks stated bluntly (capital not guaranteed).
• Succession interplay flagged + notary referral for big estates (rules year-stated).

Examples

See examples/vita-cases.md. Types in references/tipi.md.

Edge cases

• Old dormant policy found → kiss-and-check path (company search + documents).
• Bank-pushed bundle with mortgage → tied-selling check + IVASS angle flagged.
• Lapsed payments → riduzione vs riscatto options explained.