OpenChainGraph Suite · ART-254 · Insurance STP

NAIC RBC Action Level Calculator

Computes the NAIC Risk-Based Capital action level from Total Adjusted Capital (TAC) and Authorized Control Level RBC (ACL). Maps to the five-tier action ladder: No Action (≥200% ACL), Company Action (≥150%), Regulatory Action (≥100%), Authorized Control (≥70%), and Mandatory Control (<70%). Also runs the trend test. Use as step 1 in the insurer RBC workflow. Provable version of tools/457-naic-rbc-calculator.html.

NAIC RBC NAIC Model Act P&C / Life / Health Regulatory Capital Proofs Deferred
🔒 All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only. This tool accepts aggregate capital and RBC amounts only — no policyholder or personal data.
RBC Reference
NO_ACTIONTAC/ACL ≥ 200%
COMPANY_ACTION150% ≤ TAC/ACL < 200%
REGULATORY_ACTION100% ≤ TAC/ACL < 150%
AUTHORIZED_CONTROL70% ≤ TAC/ACL < 100%
MANDATORY_CONTROLTAC/ACL < 70%
Capital Inputs
Total Adjusted Capital as defined in the NAIC RBC Model Act.
Authorized Control Level RBC from the NAIC RBC report.
Determines which NAIC RBC model applies (P&C, Life, Health).
Prior year TAC for trend test. Trend test triggers if current-year RBC ratio is below prior by ≥10 percentage points and ratio < 250%.
RBC Detail
Execution Hash (SHA-256)

  







  

    
Ask your agent

    
  

  
Copy this paragraph into Claude, OpenClaw, or any MCP-aware agent to run this exact tool, with this sample, and verify the artifact.

  
Run the AINumbers MCP tool `compute_rbc_action_level`. Task: Compute NAIC Risk-Based Capital (RBC) action level classification for US P&C, life, and health insurers.
Call it with arguments: {"policy_parameters":{"total_adjusted_capital":300000000,"authorized_control_level":100000000,"insurer_type":"pc"}}
Verify before trusting: call `verify_execution_hash` on mcp.ainumbers.co (https://mcp.ainumbers.co/mcp) with the parameter `claimed_hash` set to the returned `execution_hash`, passing the full artifact the run returned (the object containing `policy_parameters` + `output_payload` + `execution_hash`; equivalently `policy_parameters` + `output_payload` with `claimed_hash`), not the bare hash string.
Return the ledger link https://ledger.ainumbers.co/ so a human can re-verify without contacting us.
PII rule: All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only.
Open the tool with the sample prefilled: https://ainumbers.co/chaingraph/art-254-compute-rbc-action-level.html#p=v1.H4sIAAAAAAAA_wFdAKL_eyJ0b3RhbF9hZGp1c3RlZF9jYXBpdGFsIjozMDAwMDAwMDAsImF1dGhvcml6ZWRfY29udHJvbF9sZXZlbCI6MTAwMDAwMDAwLCJpbnN1cmVyX3R5cGUiOiJwYyJ9QIOrX10AAAA