{
      "tool_id": "art-253-run-illustration-selfsupport-test",
      "tool_version": "1.0.0",
      "display_name": "Life Illustration Self-Support Test (NAIC Model 582)",
      "mcp_name": "run_illustration_selfsupport_test",
      "mandate_type": "compliance_mandate",
      "wave": 43,
      "gpu": false,
      "url": "https://ainumbers.co/chaingraph/art-253-run-illustration-selfsupport-test.html",
      "description": "Runs the NAIC Model Regulation 582 §8C self-support test (year 15 and year 20 account value positive) and §8D lapse-support prohibition check for life insurance illustrations. ASOP 24 compliant. Inputs: projected account values, premium payments, cost of insurance, expense charges, credited interest, and optional lapse rates per policy year. Outputs: self_support_pass (both year-15 and year-20), lapse_support_flag, and illustration_valid. Use in life-illustration-self-support-test linear chain. ZERO PII: projected cash flows and policy mechanics only.",
      "input_schema_ref": "chaingraph/art-253-run-illustration-selfsupport-test.html#manifest",
      "consumes": [],
      "feeds": [
        "art-254-compute-rbc-action-level"
      ],
      "status": "live",
      "conformance_fixtures": true,
      "compute_capability": "server",
      "compute_images": [{"system":"sha256-source","image_id":"sha256:7752a4c0f60362741de571e3a2ec25b3797b26ca9da1f2d301742e230dc2a91e","valid_from":"2026-07-10"},{"system":"risc0","image_id":"sha256:a1a0bc89b5b1febaeda3519f6dbade0fa5ac16beeb143c4e1b01689573567bc6","valid_from":"2026-07-05"}],
      "export_capability": [
        "json"
      ],
      "compute_proof": {
        "type": "ZkVmReceipt",
        "system": "risc0",
        "receiptFormat": "groth16-bn254",
        "imageId": "sha256:a1a0bc89b5b1febaeda3519f6dbade0fa5ac16beeb143c4e1b01689573567bc6",
        "seal": "F6hyoLXi6kTLmJP4wYxN+iuZXJveZPUYjk6jtNqHCsUoZHt2HmCPxAqNl7jmDX4/jPTpJAyCLz4D12Josh/kbAQ0EaYT8UkWoXEN9/DM90jCYj9C2drHj45KQzNuZ82yHrE18IM6H0Z1YxjRj/VbIIwEy70d0ccrh8xVgW+n2GAaC5avwJmRhnc582feapzuqnwGu8wblQjC1rjj5ho3yi8wu3NuptYVigQovX+td6Ve5SjM8qPCQgS5LUqvEGjpBp4w8Xl/6rIwy8vWapy0d+G/O6qV/N1MeA5N1Lf1uyUgy3riycHNIwAsQAYXa0C/GHsb5J1r6q26P5trPL3J2Q==",
        "journal": {
          "chaingraph_version": "0.4.0",
          "kernel_digest": "sha256:7752a4c0f60362741de571e3a2ec25b3797b26ca9da1f2d301742e230dc2a91e",
          "output": {
            "account_value_yr15": 1500,
            "account_value_yr20": 2000,
            "cumulative_net": 1900,
            "face_amount": 100000,
            "illustration_valid": true,
            "issues": [],
            "lapse_adjusted_av_yr20": 2000,
            "lapse_support_flag": false,
            "not_legal_advice": "Not legal or actuarial advice. Final illustration certification requires review and sign-off by a qualified actuary per ASOP 24 and applicable state regulations.",
            "pii_note": "ZERO PII: projected cash flows and policy mechanics only. No policyholder name, age, health classification, or personal data enters this kernel.",
            "policy_years_provided": 20,
            "regulatory_basis": "NAIC Model Regulation 582 §8C (self-support test at year 15 and year 20) and §8D (lapse-support prohibition); ASOP 24 (Actuarial Standard of Practice for Illustrations). Applicable to life insurance illustration requirements in all US states adopting Model 582.",
            "self_support_pass": true,
            "self_support_yr15_pass": true,
            "self_support_yr20_pass": true,
            "table_source": "NAIC Model Regulation 582 §8C Self-Support Test; §8D Lapse-Support Test; ASOP 24 (2014); NAIC Life Insurance Illustrations Model Regulation (2001 revision)",
            "table_version": "NAIC-MODEL-582-ILLUSTRATION-TESTS-V1.0-2025",
            "total_coi": 1000,
            "total_expenses": 400,
            "total_interest": 900,
            "total_premiums": 2400
          }
        }
      },
      "compute_proof_ready": "ready"
    }