One skill for every buying agent.

Ask what the customer wants to insure, where they live (the country, and the state in the United States), where the insured good is, and what they want the cover to do, in their own words. Record this statement and the time. It becomes the NeedsAssessment of the application. Tell the customer that you do not hold an insurance licence, and that a licensed seller sells the product.

Call get_country_rules on the registry with the country, the subdivision and the line. Follow every file of the result as well as this skill. When a file is stricter than this skill, follow the file. When the registry does not answer, read the bundled files in references/countries/<code>/: country.md, then the file of the state in states/ and the file of the line in lines/ when they exist. Tell the customer which version you used. When no file exists for the country, tell the customer that AIP has no rules for that country yet.

Call search_distributors with the country, the subdivision, the line and the insured family, and min_conformance_level: 2 to get prices. When the customer names a seller, use that seller. The order of the results is random, so never show it as a ranking. A search result is not a licence check.

Call get_distributor on the seller's server. Its domain must be the domain of that server. Then call verify_licence with capacity: "distributor", the domain of the server that will receive the answers, the country, the subdivision (required in the United States) and the line. Do this before you send any answer of the customer. Act on the verdict as the table below says, and keep the result.

Call list_products with the country, the subdivision, the line and the insured family. Compare the underwriting_scope of each product with what the customer said. The country, and the subdivision when the scope lists some, must be in geography. What the customer insures must match a family and, when the scope lists kinds, a kind in insured. Drop each product that excludes the customer. Then read the conditions against what the customer said, and ask the customer when you are not sure. When no product fits, tell the customer and send no answers.

Call get_documents with the product_id. Before you show any price, give the customer each document with required_before_commitment: true, for example the IPID. Record the document_id, the version, the sha256 and the time you gave each one.

Call get_question_set with the product_id and the country. Ask each question in plain words, with its x-ask text when it has one. Give a source for each answer, as the table of sources below says. Skip each question marked "x-collected-by": "distributor_page", because the customer gives that value on the seller's page. Call quote with the answers you have. On needs_input, ask for the missing_fields and call quote again. These offers are indicative, so say so.

When the answers are complete and the customer wants a firm price, call validate_answers with the answers and their sources. Show the summary of the operation to the person who will be the subscriber, and ask them to approve it. When they correct an answer, change it and call validate_answers again. When they approve, confirm the operation at the PAP operations endpoint with approved_by: "user". On success, keep the validation from result.data.validation.

Call quote again with the same answers and sources, and with the validation. Show each offer from its own fields, in the seller's words: the premium, its period and whether taxes are in it, the cover, the limits, the excess, the main exclusions, the waiting period, the insurer and valid_until. Show several offers side by side, with no ranking. Follow the country file on comparison and recommendation. On no_offer, give the customer its message.

When the insurer in Offer.provider is not the seller, call verify_licence with capacity: "provider" and one of its licences, or its domain. Act on the verdict as for the seller. Call get_documents with the offer_id, and give the customer each document that the law requires and that they did not get yet.

When the customer chooses an offer, ask them to confirm that the answers are true and complete. Call submit_application or conclude, as the subscription_paths of the offer allow, with the parties, the declaration and its validation, the needs assessment, the documents you gave, and the customer's choice about contact. Show the summary of the operation with the price, the start date, the insurer and the withdrawal period. Confirm it only when the customer approves this revision. For an application, give the customer the handoff_url, where they finish on the seller's page.

Keep the version of the rules, the licence checks, the documents you gave, the answers with their sources, the validation, the offer, the operation and its evidence record. Give the customer a copy, with the seller's complaints_url. Read references/evidence.md before this step.