{
      "name": "insurer-rbc-action-level",
      "domain": "Insurance & Reinsurance",
      "title": "Insurer RBC Action Level Assessment",
      "spec_version": "0.8.0",
      "wave": 43,
      "description": "Gated two-step chain for NAIC RBC capital adequacy assessment and claims STP economics. Step 1 computes the RBC action level (TAC/ACL ratio) and classifies into NO_ACTION / COMPANY_ACTION / REGULATORY_ACTION / AUTHORIZED_CONTROL / MANDATORY_CONTROL per NAIC Model Laws #312/#315/#315H. Gate on /action_level_code: if NO_ACTION (above 200% ACL), the chain ends -- insurer is well-capitalised and no corrective action is required. Default (below 200% ACL): Step 2 computes claims STP economics to model the financial impact of automation investment as a capital restoration pathway. ZERO PII BY CONSTRUCTION.",
      "composer_url": "https://ainumbers.co/chaingraph/chains/insurer-rbc-action-level.html",
      "regulatory_refs": [
        "NAIC RBC Model Law #312 (Life Insurance RBC)",
        "NAIC RBC Model Law #315 (P&C RBC)",
        "NAIC RBC Model Law #315H (Health RBC)",
        "NAIC RBC Instructions 2024 edition (LR023, Exhibit 1, HR-1)",
        "IAIS ComFrame (proportionality in claims governance)"
      ],
      "steps": [
        {
          "tool_id": "art-254-compute-rbc-action-level",
          "handoff": "RBC ratio (TAC/ACL%), action_level_code, and headroom_to_next_level_pct. Gate on /action_level_code: NO_ACTION exits (well-capitalised). Default (below 200% ACL): proceed to claims STP economics model.",
          "gate": {
            "input": "/action_level_code",
            "rules": [
              {
                "op": "eq",
                "value": "NO_ACTION",
                "next": "end"
              }
            ],
            "default": "art-257-calculate-claims-stp-economics"
          }
        },
        {
          "tool_id": "art-257-calculate-claims-stp-economics",
          "handoff": "Claims STP ROI: NPV, IRR, payback_years, net_annual_benefit, and per-claim cost reduction. Final stage -- models automation investment as capital improvement lever."
        }
      ]
    }