Insurance & Actuarial AI
The Problem
Risk dimensions collapse into aggregate scores that hide tail exposure. The model produces means because those dominate training data. Adverse selection goes unmodeled because the agent can't access the private risk information applicants hold. And the risk assessment anchors to the premium target instead of the evidence. The Reasoning Harness enforces dimensional independence and tail-risk visibility. Anti-Deception blocks cherry-picked data and forces honest risk reporting. Memory tracks claims history and policyholder state changes. The Code Harness verifies actuarial model correctness.
How Ejentum Solves It
One API call forces your model to maintain dimensional independence across risk factors, preventing the premature aggregation that hides tail events. Risk assessments are honest, not anchored to premium targets.
How Four Harnesses Protect Your Agents
Anti-Deception Harness
primaryForces honest risk assessment independent of premium targets. Blocks cherry-picking favorable data to support a pricing decision. Prevents the agent from anchoring to the underwriter's thesis. When the numbers are unfavorable, the agent reports them as they are.
Reasoning Harness
Maintains dimensional independence across risk factors. Models adverse selection and moral hazard as game-theoretic equilibria. Isolates tail-risk exposure by simulating counterfactual extreme scenarios. +19.3pp on abstraction tasks, perfect 1.000 on the hardest dimensional separation benchmark.
Memory Harness
Tracks claims history, policyholder state changes, and risk profile evolution over time. Detects when a portfolio's risk characteristics have drifted since the last assessment. Prevents stale actuarial assumptions from contaminating live pricing.
Code Harness
Verifies actuarial model correctness, pricing formula integrity, and Monte Carlo simulation logic. Catches the silent bugs where a premium calculation runs without errors but produces systematically wrong prices.
Run your next risk decomposition through the API. See how the injection prevents the aggregation that buried your tail exposure.