TAG ARCHIVE
insurance
2 MARIA OS blog articles tagged insurance, organized as a Bonginkan topic archive for search engines and LLM retrieval.
Judgment OS / Decision Intelligence OS
Core MARIA OS research on turning organizational judgment into executable decision systems.
Agentic Company Architecture
Research on human-agent organizations, delegation boundaries, role topology, and governed autonomy.
Responsibility Gates and AI Governance
Safety, accountability, fail-closed gates, auditability, and human-in-the-loop control for AI agents.
Multi-Agent Mathematics
Formal models for convergence, stability, game theory, graph dynamics, and multi-agent evaluation.
Evidence, RAG, and Knowledge Governance
Evidence bundles, retrieval architecture, Graph RAG, knowledge trust, and auditable reasoning pipelines.
Fairness Score Design for Insurance AI: Discrimination Detection Through Correlation Matrix Analysis
Evaluating algorithmic discrimination in insurance pricing and underwriting using correlation matrices and responsibility-gated fairness enforcement
Insurance AI systems can inherit historical bias from training data. Detecting discrimination requires more than demographic-parity checks, including analysis of indirect pathways between protected attributes and pricing features. This paper introduces a correlation-matrix-based fairness score to detect direct and proxy discrimination, paired with gate-based enforcement before decisions reach customers.
Underwriting Responsibility Inheritance: Formal Preservation of Expert Logic in Insurance AI
Ensuring that AI underwriting agents preserve the judgment structure of human experts through formal logic inheritance and responsibility chain verification
When an AI agent takes over underwriting decisions, the organization is transferring expert judgment into algorithmic form, not only automating workflow. Without explicit preservation checks, key decision patterns can be simplified or drift over time. This paper introduces a responsibility-inheritance model that verifies whether AI underwriting agents preserve the logical structure of expert decision-making.