OpenChainGraph Suite · OCG v0.8.0 · Insurance STP

Insurer RBC Action Level

Note (dated 2026-08-04): a chain composes independent computations performed in an analytical order. No step's output is carried into the next step by the execution model; each step computes from its own declared inputs. This is true of every chain on this site, including chains whose per-step copy below reads as a data handoff.

Gated two-step chain for NAIC RBC action level determination and claims STP economic triage. Step 1 computes the RBC action level (NO_ACTION / COMPANY_ACTION / REGULATORY_ACTION / AUTHORIZED_CONTROL / MANDATORY_CONTROL) from Total Adjusted Capital and Authorized Control Level inputs. The §21.4 decision gate reads /action_level_code: NO_ACTION exits the chain immediately (no remediation analysis needed); any triggered level proceeds to step 2, which models claims STP economics to quantify cost-reduction potential from automation under financial stress. Both branches recorded in decisions[].

OpenChainGraph · 2 Steps compliance mandate · Gated Hash-Anchored §4 chain_depth:2 NAIC RBC · Zero PII
Not legal, actuarial, or regulatory advice. RBC action level determinations require review by a licensed actuary and state insurance department review. This chain produces a tamper-evident audit artifact; it does not constitute a regulatory capital determination.
⚡ §21.4 Decision Gate at Step 1: the gate reads /action_level_code. action_level_code="NO_ACTION" exits the chain (no action needed); any other code (COMPANY_ACTION, REGULATORY_ACTION, AUTHORIZED_CONTROL, MANDATORY_CONTROL) proceeds to claims STP economics analysis.
Chain Stages · 2 Steps · Gated
1 ROOT · §21.4 GATE gated node
NAIC RBC Action Level Calculator art-254-compute-rbc-action-level
GATE: /action_level_code eq "NO_ACTION" → end  |  default → art-257-calculate-claims-stp-economics
Computes NAIC RBC action level code from TAC and ACL inputs. Optional trend test with prior-year TAC. The §21.4 gate reads /action_level_code: NO_ACTION exits; any other level proceeds to claims STP economics.
MCP Call · compute_rbc_action_level
{
  "jsonrpc": "2.0",
  "method": "tools/call",
  "params": {
    "name": "compute_rbc_action_level",
    "arguments": {
      "total_adjusted_capital": 180000000,
      "authorized_control_level_rbc": 100000000,
      "prior_year_tac": 220000000,
      "insurer_type": "life"
    }
  },
  "id": 1
}
https://mcp.ainumbers.co/mcp
↓
2 TERMINAL node
Claims STP Economics Calculator art-257-calculate-claims-stp-economics
Models claims STP economics (NPV, IRR, payback period) for an insurer under a triggered RBC action level. Quantifies cost-reduction potential from automation during financial stress conditions. Terminates the RBC action chain.
MCP Call · calculate_claims_stp_economics
{
  "jsonrpc": "2.0",
  "method": "tools/call",
  "params": {
    "name": "calculate_claims_stp_economics",
    "arguments": {
      "annual_claims_volume": 50000,
      "manual_cost_per_claim": 85,
      "stp_cost_per_claim": 12,
      "current_stp_rate": 0.35,
      "target_stp_rate": 0.80,
      "implementation_cost": 2500000,
      "discount_rate": 0.10,
      "projection_years": 5
    }
  },
  "id": 2
}
https://mcp.ainumbers.co/mcp
§4 Execution Hash · Chain Definition Anchor
execution_hash:computing…
Export Chain Artifact
Download a §4-compliant chain artifact with execution hash and step definitions. Hash is deterministic over canonical {policy_parameters, output_payload} per RFC 8785/JCS.

Ask your agent

Copy this paragraph into Claude, OpenClaw, or any MCP-aware agent to run this whole workflow on the server and check one field that answers a real question.

Question: The year-end ratio is filed. Which NAIC RBC action level does the company land on, and how far is the next trigger?
Run the AINumbers MCP tool `run_chain` with {"chain":"insurer-rbc-action-level"} and read `art-254-compute-rbc-action-level.action_level_code`.
Re-run with `inputs` for `art-254-compute-rbc-action-level`, reusing the values that result echoed, with `total_adjusted_capital` set to 60000000. Compare the same field.
Verify: call `verify_execution_hash` (https://mcp.ainumbers.co/mcp) with `claimed_hash` set to `composite_execution_hash` and the full `composite_artifact`.
Ledger, for a human re-check: https://ledger.ainumbers.co/
PII rule: send synthetic or anonymised inputs only. The MCP server runs these kernels and logs no payloads.
Chain page: https://ainumbers.co/chaingraph/chains/insurer-rbc-action-level.html