Life Illustration Self-Support Test

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.

Linear two-step chain connecting life illustration actuarial testing to capital adequacy. Step 1 runs the NAIC Model 582 §8C self-support test (year-15 and year-20 benchmarks per ASOP 24) and §8D lapse-support test on policyholder-supplied illustration arrays. Step 2 computes the NAIC RBC action level to connect illustration solvency health (the product layer) to the insurer capital adequacy framework (the entity layer). No gate: both steps run unconditionally to produce a complete actuarial/capital audit trail per NAIC illustration regulations.

OpenChainGraph · 2 Steps compliance mandate · Linear Hash-Anchored §4 chain_depth:2 NAIC Model 582 · ASOP 24 · Zero PII

Chain Stages · 2 Steps · Linear (no gate)

1 ROOT node

Life Illustration Self-Support Test art-253-run-illustration-selfsupport-test

Runs NAIC Model 582 §8C self-support test (year-15 and year-20 benchmarks per ASOP 24) and §8D lapse-support test on user-supplied illustration arrays. Produces pass/fail verdict and support ratio series. Hands off to RBC action level computation.

MCP Call · run_illustration_selfsupport_test

{
  "jsonrpc": "2.0",
  "method": "tools/call",
  "params": {
    "name": "run_illustration_selfsupport_test",
    "arguments": {
      "account_values": [10000,11000,12500,14000,15200,16500,18000,19800,21000,22500,24000,25500,27000,28000,29500,31000,32500,34000,36000,38000],
      "premium_payments": [5000,5000,5000,5000,5000,5000,5000,5000,5000,5000,5000,5000,5000,5000,5000,0,0,0,0,0],
      "cost_of_insurance": [200,220,250,280,310,350,400,450,510,580,660,750,850,960,1080,1200,1330,1470,1620,1780],
      "expense_charges": [100,100,100,100,100,100,100,100,100,100,100,100,100,100,100,100,100,100,100,100],
      "credited_interest": [500,550,625,700,760,825,900,990,1050,1125,1200,1275,1350,1400,1475,1550,1625,1700,1800,1900],
      "illustration_type": "non_variable",
      "product_name": "Example IUL"
    }
  },
  "id": 1
}

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2 TERMINAL node

NAIC RBC Action Level Calculator art-254-compute-rbc-action-level

Computes NAIC RBC action level from Total Adjusted Capital and Authorized Control Level inputs. Connects illustration solvency health (step 1) to capital adequacy framework. Terminates the self-support test chain.

MCP Call · compute_rbc_action_level

{
  "jsonrpc": "2.0",
  "method": "tools/call",
  "params": {
    "name": "compute_rbc_action_level",
    "arguments": {
      "total_adjusted_capital": 250000000,
      "authorized_control_level_rbc": 100000000,
      "insurer_type": "life"
    }
  },
  "id": 2
}

Question: Before the illustration goes to the applicant, does the policy stay self-supporting through year 20? Run the AINumbers MCP tool `run_chain` with {"chain":"life-illustration-self-support-test"} and read `art-253-run-illustration-selfsupport-test.self_support_pass`. Re-run with `inputs` for `art-253-run-illustration-selfsupport-test`, reusing the values that result echoed, with `account_values` changed so the year-20 account value is below zero. 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/life-illustration-self-support-test.html

Life Illustration Self-Support Test

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