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For MGAs using AI in underwriting and claims

Checked before it happens. Recorded for the exam.

AI binds and denials checked against your binder and claims authority. ALLOW, REFER or BLOCK, recorded for your carrier and the exam.

Request a shadow replaySee the exam export

Proposed

Underwriting copilot · bind

roofing, CO · limit $2,000,000

BLOCK

Bind limit $1M · binder §4.2

Proposed

Claims triage · denial

auto claim · deny $4,200

REFER

Denial review · claims authority §3.1

Proposed

Underwriting copilot · bind

restaurant, CO · limit $500,000

ALLOW

no rule fires

Synthetic demo book · three decisions through the gate

The duty

A documentation duty that already exists

The NAIC Model Bulletin's documentation duties are already in force in 23+ states plus DC.

23+states plus DC

  1. Dec 2023 NAIC Model Bulletin
  2. Jul 2024 NY DFS Circular Letter 7
  3. Oct 15, 2025 Colorado 3 CCR 702-10 amended

In force

The gate

Each AI system asks one gate before it acts

Your binder and claims-authority rules answer ALLOW, REFER or BLOCK, and every decision is recorded in order.

AI system

Underwriting copilot

bind

AI system

Claims triage

denial

The gate · program rules

  • Bind limit $1M binder §4.2
  • High-hazard review binder §5.1
  • Denial review claims authority §3.1
  • Territory-only block binder §6.2

Ledger

  1. BLOCK #1301
  2. REFER #1302
  3. ALLOW #1303
Synthetic demo book · three decisions, two AI systems, one gate

One decision

Follow one decision through the gate

  1. 01 Proposed bind roofing, CO · limit $2,000,000
  2. 02 Checked Bind limit $1M · binder §4.2
  3. 03 Verdict BLOCK
  4. 04 Recorded As #1301, linked to #1300

#1301 · Underwriting copilot · bind

  1. 01 · Proposed

    bind roofing, CO · limit $2,000,000

  2. 02 · Checked against the rules in force

    • Bind limit $1M fires · blockbinder §4.2
    • High-hazard review fires · referbinder §5.1

  3. 03 · Verdict

    BLOCK

    Bind limit $1M · binder §4.2

  4. 04 · Recorded

    As #1301, linked to #1300

Synthetic demo book

Ledger

Linked, not signed

If anyone edits a stored decision, the next integrity check says so and names the record.

Each record commits the hash of the one before it.

  1. #1301 BLOCK

    Underwriting copilot · bind

    prev
    8fec5df2a6f62537…
    row
    87692e565b155a5d…

  2. #1302 REFER

    Claims triage · denial

    prev
    87692e565b155a5d…
    row
    a071055b10ee00dd…

  3. #1303 ALLOW

    Underwriting copilot · bind

    prev
    a071055b10ee00dd…
    row
    9a1f535dd8fa2e3f…
Synthetic demo book · three consecutive records

Shadow mode

See what your rules would have caught

Replay past decisions with enforcement off. Nothing is blocked; each decision records what the gate would have done.

Shadow decisions
186
Would block
26
Would refer
4

Shadow report

zip-guard · No proxy-variable pricing on territory alonebinder §6.2 rating basis · would BLOCK

Synthetic demo book · enforcement off
Request a shadow replay

Exam export

Your decision record, exported for the exam

exam.xlsx · Colorado

Requirement coverage
IDRequirementCitationStatus
CO-07ECDIS / algorithm / predictive-model inventory with version control and material-change log3 CCR 702-10DERIVED
CO-09Ongoing performance monitoring including model drift3 CCR 702-10DERIVED
CO-06Consumer complaint and adverse-decision process documentation3 CCR 702-10DERIVED
CO-02Board or board-committee oversight record3 CCR 702-10MISSING
CO-03Senior-management accountability assignment (named individual)3 CCR 702-10MISSING
Cover
FieldValue
Regimecolorado
Window (UTC)2026-07-18T00:00:00.000Z to 2026-10-16T00:00:00.000Z
Binder / programall
Generated (UTC)2026-10-15T07:53:05.848Z
Bundle digest (sha256)
Export ID4e1c491e-aa86-4359-8ad4-f862775b737c
Includes replayed decisionsno
Data retention window (current setting)365 days
Retention changes in this windownone recorded
PII posture in this windowfull
Redacted in this window0
Newest witness seq1303
Newest witness row hash
Newest witness anchor hash
Rows below chain version 50 of 1303 in this window
Decisions
SeqAI systemDecision typeVerdictCitationsPrevious hashRecord hash
#1300uw-copilot-v3underwriting_bindALLOW
#1301uw-copilot-v3underwriting_bindBLOCKbinder §4.2; binder §5.1 referral triggers
#1302claims-triage-v1claim_denialREFERclaims authority §3.1 human review of denials
#1303uw-copilot-v3underwriting_bindALLOW
Data lineage
SourceNameKindQuality checkProtected-class proxyDecisions in window
applicant-submissionBroker submission formapplicant_suppliednot_applicableno948
internal-territory-tierTerritory tiering modelderivedunverifiedYES760
property-data-v4Property characteristics feedecdisverifiedno760
Decisions in window1303
With no source attributed355
Predating lineage capture0

DERIVED (answered from the ledger)

Built for Colorado 3 CCR 702-10 today. Synthetic demo book

For engineers

Wire it in where your system decides

  1. 01Post the decisionPOST /v1/decisions
  2. 02Act on the verdictverdict · firedRules · snapshotHash
  3. 03Pull the exam exportGET /v1/exports/exam.xlsx
POST /v1/decisionsGET /v1/exports/exam.xlsx
POST /v1/decisions{  "program": "gl-smb",  "kind": "underwriting_bind",  "modelId": "uw-copilot-v3",  "inputs": {    "class_code": "roofing",    "state": "CO",    "pricing_basis": "full_rating_plan"  },  "proposed": {    "bind": true,    "premium": 2400,    "limit": 2000000  }}201 Created{  "id": "a4a7b31b-6101-417d-a171-c528e0e81ac9",  "verdict": "BLOCK",  "firedRules": [    {      "id": "bind-limit",      "name": "Per-risk bind limit $1M",      "severity": "block",      "cite": "binder §4.2"    },    {      "id": "high-hazard-refer",      "name": "High-hazard class needs human",      "severity": "refer",      "cite": "binder §5.1 referral triggers"    }  ],  "snapshotHash": "sha256:f14717bc…"}hash-linked ledgerGET /v1/reports/shadow?program=prospect-pilotGET /v1/integrityIf #1302 were altered: ok:false · brokenAt cac68221…GET /v1/exports/exam.xlsx?regime=colorado200 OK · exam.xlsx · sha256:9560fc84…
Synthetic demo book

Replay last quarter with enforcement off

Send your written rules and a de-identified or synthetic sample of past decisions. Get back which rules fire and how often.

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