OpenChainGraph Suite · ART-366 · Embedded Insurance

Embedded Insurance Pricing Modeller

Per-transaction premium and platform-level unit economics for an embedded-insurance program: gross and net written premium, expected losses, underwriting profit, combined ratio, and the breakeven loss ratio at the current expense structure. Provable version of tools/446-embedded-insurance-pricing-modeller.html.

Embedded Insurance Combined Ratio Breakeven LR
🔒 All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only.
⚠ Losses apply against net written premium (post-reinsurance) while commission and opex apply against gross written premium — a simplification of the source model, ported as-is rather than corrected. Not an actuarial pricing tool; validate against your own reserving before relying on this.
Unit Economics Detail
Execution Hash (SHA-256)







  

    
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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 `price_embedded_insurance`. Task: Embedded-insurance unit economics for a platform attaching per-transaction coverage: per-transaction premium, monthly/annual gross written premium, net written premium after reinsurance cession, expected losses, commission and opex cost, underwriting profit, combined ratio, expense ratio, and breakeven loss ratio.
Call it with arguments: {"policy_parameters":{"item_value":350,"premium_pct":3.5,"attach_rate_pct":12,"monthly_tx":50000,"loss_ratio_pct":55,"commission_pct":25,"opex_pct":12,"reins_pct":30}}
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-366-price-embedded-insurance.html#p=v1.H4sIAAAAAAAA_wGRAG7_eyJpdGVtX3ZhbHVlIjozNTAsInByZW1pdW1fcGN0IjozLjUsImF0dGFjaF9yYXRlX3BjdCI6MTIsIm1vbnRobHlfdHgiOjUwMDAwLCJsb3NzX3JhdGlvX3BjdCI6NTUsImNvbW1pc3Npb25fcGN0IjoyNSwib3BleF9wY3QiOjEyLCJyZWluc19wY3QiOjMwfVp_FgCRAAAA