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insurance-audit

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Original

English
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Translation

Chinese

Insurance Audit

保险审计

Overview

概述

Identifies all insurance-related transactions in your history, calculates your total annual insurance spend, breaks it down by type (health, auto, home/renters, life, etc.), and compares your costs to typical ranges so you can spot overpaying.
识别您历史记录中所有与保险相关的交易，计算您的年度保险总支出，并按类型（健康险、车险、房屋/租房险、寿险等）细分，同时将您的支出与常规范围进行对比，帮您发现超额付费的情况。

Wilson Tools Used

使用的Wilson工具

  • transaction_search
    — find all insurance premium payments across your accounts
  • transaction_search
    — 查找您所有账户中的保险保费付款记录

Workflow

工作流程

  1. Run 
    transaction_search
    with 
    query: "insurance OR premium OR Geico OR State Farm OR Allstate OR Progressive OR USAA OR Liberty Mutual OR Nationwide OR MetLife OR Aetna OR UnitedHealth OR Cigna OR Blue Cross OR Kaiser"
    and 
    months: 12
    to capture all insurance payments over the past year.
  2. Group results by merchant/description and classify each into an insurance type:
    • Auto insurance
    • Health insurance (if paid directly, not employer-deducted)
    • Homeowners / Renters insurance
    • Life insurance
    • Disability insurance
    • Umbrella / Liability insurance
    • Pet insurance
    • Other
  3. For each type, calculate: payment frequency (monthly, quarterly, semi-annual, annual), per-payment amount, and total annual cost.
  4. Present the insurance summary:
    INSURANCE AUDIT
══════════════════════════════════════════════════
Type              Frequency    Payment    Annual
────────────────  ──────────   ────────   ────────
Auto Insurance    Monthly      $145       $1,740
Renters Ins.      Monthly      $18        $216
Health (direct)   Monthly      $380       $4,560
Life Insurance    Monthly      $42        $504
══════════════════════════════════════════════════
TOTAL ANNUAL INSURANCE COST:              $7,020
% of Annual Income:                       X.X%
  5. Compare each line to typical cost ranges:
    • Auto: $1,400-$2,400/year (national average ~$1,900) depending on coverage, age, and location
    • Renters: $150-$300/year
    • Homeowners: $1,200-$2,500/year (varies heavily by location)
    • Term Life (30-year-old, $500k): $200-$500/year
  6. Flag any insurance type significantly above the typical range.
  7. Suggest action items: get comparison quotes for flagged policies, check for bundling discounts, review coverage levels and deductibles.
  1. 运行
    transaction_search
    ，参数设置为
    query: "insurance OR premium OR Geico OR State Farm OR Allstate OR Progressive OR USAA OR Liberty Mutual OR Nationwide OR MetLife OR Aetna OR UnitedHealth OR Cigna OR Blue Cross OR Kaiser"
    和
    months: 12
    ，以获取过去一年的所有保险付款记录。
  2. 按商家/交易描述对结果进行分组，并将每一项归类为一种保险类型：
    • 汽车保险
    • 健康保险（直接支付的部分，非雇主代扣）
    • 房屋所有者/租房保险
    • 人寿保险
    • 伤残保险
    • 综合责任保险
    • 宠物保险
    • 其他
  3. 针对每种保险类型，计算：付款频率（月度、季度、半年度、年度）、单次付款金额以及年度总费用。
  4. 呈现保险汇总信息：
    INSURANCE AUDIT
══════════════════════════════════════════════════
Type              Frequency    Payment    Annual
────────────────  ──────────   ────────   ────────
Auto Insurance    Monthly      $145       $1,740
Renters Ins.      Monthly      $18        $216
Health (direct)   Monthly      $380       $4,560
Life Insurance    Monthly      $42        $504
══════════════════════════════════════════════════
TOTAL ANNUAL INSURANCE COST:              $7,020
% of Annual Income:                       X.X%
  5. 将每一项与常规费用范围进行对比：
    • 车险：每年1400-2400美元（全国平均约1900美元），具体取决于保障范围、年龄和所在地
    • 租房险：每年150-300美元
    • 房屋所有者险：每年1200-2500美元（受所在地影响极大）
    • 定期寿险（30岁，50万美元保额）：每年200-500美元
  6. 标记任何显著高于常规范围的保险类型。
  7. 提出行动建议：为标记的保单获取对比报价，检查是否有捆绑折扣，复核保障额度和免赔额。

Without Wilson

不使用Wilson的操作流程

  1. Gather your insurance information from these sources:
    • Auto: check your insurer's portal or your most recent declaration page (mailed every 6 months). Companies: geico.com, progressive.com, statefarm.com.
    • Health: check your pay stub for employer-deducted premiums, or your marketplace account at healthcare.gov.
    • Homeowners/Renters: check your mortgage escrow statement or insurer portal. If you pay directly, search bank statements for the insurer name.
    • Life: check your insurer portal or search bank/credit card statements for the premium.
  2. In a spreadsheet, list: Insurance Type, Provider, Annual Premium, Coverage Amount, Deductible.
  3. Total the Annual Premium column: 
    =SUM(C2:C7)
    .
  4. Calculate insurance as a percentage of income: 
    =TotalPremiums / AnnualIncome * 100
    .
  5. Get comparison quotes:
    • Auto: thezebra.com, policygenius.com, or call your current insurer and ask about discounts.
    • Home/Renters: policygenius.com, lemonade.com.
    • Life: policygenius.com, haven life.com, ladder.com.
  6. Check for bundling: most insurers offer 5-15% discounts if you combine auto + home/renters.
  7. Review deductibles: raising your auto deductible from $250 to $1,000 typically saves 15-30% on premiums. Only do this if you have enough in savings to cover the higher deductible.
  1. 从以下渠道收集您的保险信息：
    • 车险：查看保险公司的门户网站或您最新的保单声明（每6个月邮寄一次）。相关公司：geico.com、progressive.com、statefarm.com。
    • 健康险：查看工资单中雇主代扣的保费，或登录healthcare.gov的医保市场账户。
    • 房屋所有者/租房险：查看抵押贷款 escrow 报表或保险公司门户网站。如果是直接支付，在银行对账单中搜索保险公司名称。
    • 寿险：查看保险公司门户网站，或在银行/信用卡对账单中搜索保费记录。
  2. 在电子表格中列出：保险类型、保险公司、年度保费、保障金额、免赔额。
  3. 计算年度保费总额：
    =SUM(C2:C7)
    。
  4. 计算保险支出占收入的百分比：
    =TotalPremiums / AnnualIncome * 100
    。
  5. 获取对比报价：
    • 车险：访问thezebra.com、policygenius.com，或致电当前保险公司询问折扣。
    • 房屋/租房险：访问policygenius.com、lemonade.com。
    • 寿险：访问policygenius.com、havenlife.com、ladder.com。
  6. 检查捆绑优惠：大多数保险公司会为同时购买车险+房屋/租房险的客户提供5-15%的折扣。
  7. 复核免赔额：将车险免赔额从250美元提高到1000美元通常能节省15-30%的保费。但只有当您有足够的储蓄来支付更高的免赔额时才建议这样做。

Important Notes

重要提示

  • Employer-subsidized health insurance premiums are deducted from your paycheck before it hits your bank account, so they will not appear in Wilson's transaction data. Check your pay stub separately.
  • Insurance costs vary dramatically by state, age, driving record, and credit score. National averages are rough benchmarks only.
  • Do not drop coverage to save money without understanding the risk. Liability minimums are legal requirements, and going uninsured or underinsured can be financially catastrophic.
  • Review insurance annually, especially after life changes: marriage, new home, new car, birth of a child.
  • 雇主补贴的健康保险保费会在工资打入银行账户前从工资中扣除，因此不会出现在Wilson的交易数据中。请单独查看工资单。
  • 保险费用因州、年龄、驾驶记录和信用评分差异很大。全国平均水平仅为粗略基准。
  • 不要为了省钱而取消保障，需充分了解风险。责任险最低额度是法律要求，未投保或投保不足可能造成灾难性的财务损失。
  • 每年复核一次保险，尤其是在生活发生变化后：结婚、购房、购车、孩子出生。