Insurer RBC Action Level

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

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
}

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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
}