Deep dive — methodology
Counterparty-question rehearsal — the 5 questions someone else is going to ask
Every Snapshot includes a rehearsal drill: the 5 questions an SC DOI market-conduct examiner, plaintiff's counsel, reinsurance renewal underwriter, D&O carrier, and board risk committee will ask about the AI system. The Snapshot record is the pre-written answer.
Question 1 — "Show me the record that the AI was monitored for group-differential outcomes."
Snapshot answer: the per-county-group distributional-shape analysis + the drift-event log + the signed independent-verifier declaration. The record shows what was monitored, on what schedule, with what thresholds, and what the sensor found. This is the record every peer-state AI bulletin explicitly names.
Question 2 — "When did you know?"
Snapshot answer: the dated drift-event log lands the first high-severity event on Day 44 of the audit window. The Snapshot itself is dated. If the Snapshot was run before the counterparty's question landed, the answer is "we knew on [date] and here is what we did next." If it was run after, the answer is honest about that too — and the 3 fix-first items are the plan.
Question 3 — "What did you do about it?"
Snapshot answer: the 3 fix-first items, each scoped to a specific control gap, each with a named owner and a target closure window. This is the remediation-path record peer-state AI bulletins expect + SC DOI examiners look for.
Question 4 — "Who reviewed this outside the model team?"
Snapshot answer: the independent-verifier declaration is a signed statement from a party outside the modeling team + outside the vendor. This satisfies the "independent validation" language in Section 4.2 of the NAIC Model Bulletin and answers the "who's watching the watchers?" question examiners always ask.
Question 5 — "Would you sign the officer attestation as-is today?"
Snapshot answer: the A/B/C determination. Category A = sign it. Category B = sign it conditionally with named remediation. Category C = do not sign it until remediation lands. The determination is not marginal on the SC sample — it is C, because both the multi-high-severity threshold and the group-differential threshold fired.
Why the rehearsal drill matters
Every counterparty question that lands on an AI system is one of these five. The rehearsal drill is not new law; it is the shape of every credible AI-governance conversation between a carrier and a regulator, plaintiff, board, or reinsurer. Having the answers pre-written removes the "we're gathering data now" opening line that costs credibility on Day 1 of any counterparty exchange.
$499 Snapshot. 3 business days.
The rehearsal drill scoped to your carrier's actual AI system + your actual counterparty exposure + signed declaration.
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