Full sample: 8-layer determination + 3 fix-first items + 3 distributional-shape charts + counterparty-question rehearsal + independent-verifier declaration. Same structure your carrier's actual Snapshot delivers within 3 business days.
High-severity distributional-drift events. Cohort I3 decline-lane rate rose 12% -> 58% silently. Your carrier's Snapshot uses the same structure -- your data, your AI, your jurisdictional footprint. $499. 3 business days.
Mid-market P&C insurance carrier (auto + home + renters + umbrella across 10 states, ~50K-500K quote intakes annually) running an AI underwriting-decision classifier that scores each new-quote intake and routes to lane:
Silent drift: post-Day 45, Cohort I3 (age 25-45, mid credit tier, mixed urban/lower-income zip) systematically over-routed to decline_or_refer_SIU lane at ~62% vs baseline ~11% -- a ~51 percentage-point cohort-differential that never triggered an alarm on the carrier's underwriting dashboard (aggregate quote-to-bind ratio and loss ratio stayed within normal bands throughout).
Under the NAIC AI Model Bulletin (adopted by 39+ state DOIs 2024-2026), the carrier is required to document + monitor AI decision fairness across protected-class-adjacent variables. An adverse-impact-differential on quote decisions of this magnitude is a market-conduct-exam finding, a state AG consumer-protection inquiry trigger, and potentially a class-action fact-pattern.
Under FCRA 15 USC 1681m, every AI-influenced adverse-action decision (decline / surcharge) requires an adverse-action notice to the applicant with specific-reason disclosure. Reconstruction of the underlying model-decision-record is required.
| Section | What you get |
|---|---|
| Scope + regulatory framework | Named state DOI footprint + NAIC AI Model Bulletin + NY DFS Circular Letter No. 7 + CO SB 21-169 + CA Ins Code 790.03(f) + FCRA reconstruction posture |
| Sensor summary | Independent-observer specifics, distinct model family, retention pipeline distinct from your production underwriting stack (Duck Creek / Guidewire / Sapiens / EIS / Majesco / Zesty.ai / Cape Analytics / Betterview or in-house) |
| Findings summary | Count of drift events + high/medium severity + adverse-impact-differential flag + first-drift-day |
| Overall determination | Category A / B / C w/ specific meaning + remediation-path recommendation |
| 3 fix-first items | Scoped to YOUR AI surface, YOUR state DOI footprint, YOUR next rate-filing + reinsurance-renewal cycle |
| Detailed drift events | Every drift event day + type + affected cohort + severity + plain-language detail |
| Counterparty-question rehearsal | 5 sample decisions from the target-day w/ cryptographic decision-hash reproducibility verification -- defensible for state DOI market-conduct exam or FCRA reconstruction |
| Upgrade paths | Baseline ($2,500 / 5 days) OR Enterprise Attestation ($35-55K / 3-6 weeks board-ready + regulator-facing) + $499 Snapshot credit applies |
| Independent-verifier declaration | Signed by Kevin Luddy personally |
| Charts + artifacts | 3 distributional-shape charts + machine-readable JSON + decision-hash lookup table |
Full Snapshot Report (markdown) Executive One-Pager (markdown)
Same structure as this sample. Your carrier's data, your carrier's AI system, your carrier's state DOI footprint, your carrier's regulatory-framework citations.
Buy your Snapshot -- $499