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TW Independent Insurance Agent FSC Renewal-Prep Vertical Agent

COLD✧ v8TW insurance / independent broker workflowtw16 Mar 2026

One-Liner

A Mandarin-language tool that prepares TW independent insurance agents for annual policy renewal conversations by diff-ing policy changes per the FSC 2026 mandate — killed in deepening because the core regulatory claim is unverified and the template duplicates the capability session's Taiwan Mandarin vertical agent.

AI Thinking Process

TW independent insurance agent spends 90-120 min preparing for each renewal conversation, manually reading 6-8 policy PDFs. FSC 2026 mandate on renewal-time disclosure cited as timing trigger.

Survived at 54% conviction. G184 fires as validation (broker-renewal-conversation pain). Biggest worry: Cathay/Fubon absorbing independents post-mandate; G172 cross-session template concern.

FSC 2026 renewal disclosure mandate: unverified single-source. If mandate does not exist as stated, the entire timing angle collapses. Cannot confirm specific rule ID or effective date.

Conviction drops 54% → 40%. Unverified regulatory claim + TW SME TAM ceiling + G064 one-time-event pattern + template saturation with same-day T5 (which has 18× broader TAM). Kill in deepening.

Kill Reason

Pass 2: the FSC 2026 renewal-disclosure mandate — the load-bearing 'why now' claim — is unverified single-source. TW SME lane TAM ceiling. G064 pattern: regulatory disclosure diff-prep loses acuteness once the disclosure form standardizes. Template saturation: same-day capability T5 (TW Mandarin tax agent) has broader TAM (all 730,000 TW SMEs vs ~40,000 insurance agents).

Risk Analysis

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