insurance-decision-record-audit-stream
ACORD-bridged audit events; scoped human-in-loop invariant; 20-LOB taxonomy
Six sibling specs for AI tools that touch insurance applications, claims, pricing, and fraud detection. The Suite vertical 6-pack that lets an insurer, reinsurer, MGA, or AI vendor publish artifacts a state DOI market-conduct examiner expects — including the unique actuarial-soundness defense framework that distinguishes insurance from other fair-lending regimes.
NAIC AI Model Bulletin Nov 2023 (state DOI adoptions: CT first; 20+ states by mid-2026) · NY DFS Circular Letter No. 7 (Jul 2024) · Colorado SB 21-169 + 3 CCR 702-10 Reg 10-1-1 (Life) · CA DOI Bulletin 2022-5 · FCRA · ECOA-applicable credit-based insurance scoring
ACORD-bridged; covers underwriting + claims + pricing under one schema; human_adjudicator_required scoped to adverse-action-capable kinds + recommendations only (vs PropTech's universal); actuarial-soundness-defended coverage status; protected-class data default tokenized-AND-NOT-a-model-input.
Every Kinetic Gain Protocol Suite vertical 6-pack contains exactly these six artifact shapes. The same six shapes appear in every vertical — only the per-vertical content (data categories, regulatory basis, invariants) differs.
insurance-decision-record-audit-streamACORD-bridged audit events; scoped human-in-loop invariant; 20-LOB taxonomy
state-insurance-ai-disclosure-trackerPer-state DOI bulletins + NAIC adoptions (CT, NY DFS CL 7, CO 3 CCR 702-10, CA Bulletin 2022-5, WA TAA 2024-04)
naic-ai-bulletin-readiness-evidence-bundle6 obligation families: governance (NAIC §2) + risk-management (§3) + third-party-AI (§4) + testing-validation + consumer-protection + state-DOI examination
insurance-applicant-bias-coverage-labactuarial-soundness-defended coverage status; CO SB 21-169 + NAIC §3 + EEOC four-fifths-rule
unfair-discrimination-incident-card-profile10 event types + 4-tier severity + 6 regulator-referral pathways with evaluation-state tracking
policyholder-data-vault-contract-profile15 insurance-data categories incl. telematics + smart-home sensor + medical-record summary; protected-class default NOT a model input
A buyer's procurement team operating across mixed regulated verticals — HealthTech AI vendors plus FinTech AI vendors plus HR Tech AI vendors — can apply the same six-shape Suite vocabulary to every vendor in every vertical. The kg-suite-vertical-router tool routes any artifact to the right vertical's verification logic with one CLI command. The kg-suite-vertical-comparator tool surfaces the SAME-vs-DIFFERENT design contributions across all six verticals as a single reference table.