{
  "tool_id": "art-254-compute-rbc-action-level",
  "note": "NAIC RBC action level ladder. Vector 1: NO_ACTION (300% ACL -- well-capitalized). Vector 2: COMPANY_ACTION (180% ACL -- between 150% and 200%). Covers both branches of the insurer-rbc-action-level gated chain.",
  "vectors": [
    {
      "name": "no_action_300pct_acl",
      "description": "TAC $300M, ACL $100M. RBC ratio = 300% ACL. Above 200% threshold -- NO_ACTION level. Well-capitalized P&C insurer. Covers gated chain NO_ACTION branch (routes to end).",
      "policy_parameters": {
        "total_adjusted_capital": 300000000,
        "authorized_control_level": 100000000,
        "insurer_type": "pc"
      },
      "output_payload": {
        "action_level_code": "NO_ACTION",
        "action_level_label": "No Action Level",
        "action_level_description": "Above 200% ACL — no NAIC regulatory action required.",
        "rbc_ratio_pct": 300,
        "total_adjusted_capital": 300000000,
        "authorized_control_level": 100000000,
        "threshold_breached_pct": null,
        "headroom_to_next_level_pct": 100,
        "trend_test_triggered": false,
        "trend_test_applicable": false,
        "prior_year_rbc_ratio": null,
        "two_year_rbc_ratio": null,
        "insurer_type": "pc",
        "action_levels_reference": [
          {
            "code": "MANDATORY_CONTROL",
            "label": "Mandatory Control Level",
            "rbc_pct_acl": 70,
            "description": "Regulatory takeover authority. State must take action to protect policyholders."
          },
          {
            "code": "AUTHORIZED_CONTROL",
            "label": "Authorized Control Level",
            "rbc_pct_acl": 100,
            "description": "State authorized but not required to take control."
          },
          {
            "code": "REGULATORY_ACTION",
            "label": "Regulatory Action Level",
            "rbc_pct_acl": 150,
            "description": "Detailed corrective action plan required; state can examine/require action."
          },
          {
            "code": "COMPANY_ACTION",
            "label": "Company Action Level",
            "rbc_pct_acl": 200,
            "description": "Company must file RBC plan with comprehensive corrective strategy."
          },
          {
            "code": "NO_ACTION",
            "label": "No Action Level",
            "rbc_pct_acl": null,
            "description": "Above 200% ACL — no regulatory action required."
          }
        ],
        "table_version": "NAIC-RBC-ACTION-LEVELS-2024",
        "table_source": "NAIC RBC Instructions (2024 edition): Life RBC (LR023), P&C RBC (Exhibit 1), Health RBC (HR-1). NAIC Model Laws: Life Insurance RBC Model Law #312, P&C RBC Model Law #315, Health RBC Model Law #315H.",
        "regulatory_basis": "NAIC RBC Model Laws #312 (life), #315 (P&C), #315H (health). Action levels: Company Action (200% ACL), Regulatory Action (150%), Authorized Control (100%), Mandatory Control (70%). TAC/ACL calculation follows the applicable NAIC RBC formula for the insurer type.",
        "pii_note": "ZERO PII: capital totals and RBC formula components only. No policyholder, premium, or personal data enters this kernel.",
        "not_legal_advice": "Not legal or actuarial advice. RBC calculations require review by a qualified actuary and the applicable state insurance department. NAIC RBC Ratio is not the sole indicator of insurer solvency."
      },
      "golden_hash": "e607b10a63d93f9db705878e2fba2d8a23e90b2454df34c999448bf17b8b80f6"
    },
    {
      "name": "company_action_180pct_acl",
      "description": "TAC $180M, ACL $100M. RBC ratio = 180% ACL. Between 150% and 200% -- COMPANY_ACTION level. Company must file corrective RBC plan. Covers gated chain default branch (routes to art-257 claims STP economics).",
      "policy_parameters": {
        "total_adjusted_capital": 180000000,
        "authorized_control_level": 100000000,
        "insurer_type": "pc"
      },
      "output_payload": {
        "action_level_code": "COMPANY_ACTION",
        "action_level_label": "Company Action Level",
        "action_level_description": "Company must file RBC plan with comprehensive corrective strategy.",
        "rbc_ratio_pct": 180,
        "total_adjusted_capital": 180000000,
        "authorized_control_level": 100000000,
        "threshold_breached_pct": 200,
        "headroom_to_next_level_pct": 30,
        "trend_test_triggered": false,
        "trend_test_applicable": false,
        "prior_year_rbc_ratio": null,
        "two_year_rbc_ratio": null,
        "insurer_type": "pc",
        "action_levels_reference": [
          {
            "code": "MANDATORY_CONTROL",
            "label": "Mandatory Control Level",
            "rbc_pct_acl": 70,
            "description": "Regulatory takeover authority. State must take action to protect policyholders."
          },
          {
            "code": "AUTHORIZED_CONTROL",
            "label": "Authorized Control Level",
            "rbc_pct_acl": 100,
            "description": "State authorized but not required to take control."
          },
          {
            "code": "REGULATORY_ACTION",
            "label": "Regulatory Action Level",
            "rbc_pct_acl": 150,
            "description": "Detailed corrective action plan required; state can examine/require action."
          },
          {
            "code": "COMPANY_ACTION",
            "label": "Company Action Level",
            "rbc_pct_acl": 200,
            "description": "Company must file RBC plan with comprehensive corrective strategy."
          },
          {
            "code": "NO_ACTION",
            "label": "No Action Level",
            "rbc_pct_acl": null,
            "description": "Above 200% ACL — no regulatory action required."
          }
        ],
        "table_version": "NAIC-RBC-ACTION-LEVELS-2024",
        "table_source": "NAIC RBC Instructions (2024 edition): Life RBC (LR023), P&C RBC (Exhibit 1), Health RBC (HR-1). NAIC Model Laws: Life Insurance RBC Model Law #312, P&C RBC Model Law #315, Health RBC Model Law #315H.",
        "regulatory_basis": "NAIC RBC Model Laws #312 (life), #315 (P&C), #315H (health). Action levels: Company Action (200% ACL), Regulatory Action (150%), Authorized Control (100%), Mandatory Control (70%). TAC/ACL calculation follows the applicable NAIC RBC formula for the insurer type.",
        "pii_note": "ZERO PII: capital totals and RBC formula components only. No policyholder, premium, or personal data enters this kernel.",
        "not_legal_advice": "Not legal or actuarial advice. RBC calculations require review by a qualified actuary and the applicable state insurance department. NAIC RBC Ratio is not the sole indicator of insurer solvency."
      },
      "golden_hash": "e416d0d1aed97ca71d17019fe83b508c11ce94076aec4225fc5c81e835d36139"
    }
  ]
}