01 / Operational model
Who acts, and what changes?
Principal and authority origin
An underwriting analysis agent. Underwriter assignment and approved product rules.
Consequential action
Request data or issue a quote.
02 / Action-time control
Make the requested effect testable.
Applicant consent, data provenance, rating version and bind authority. Allow analysis within approved sources; require licensed authority before binding or exception pricing.
OriginUnderwriter assignment and approved product rules
RequestRequest data or issue a quote
DecisionEvaluate and enforce before effect
03 / Evidence and responsibility
Permission, execution, and outcome are separate.
Applicant data sources, rule version, quote draft, exception and bind record.
ProofGrid cannot certify rating fairness or actuarial adequacy.
Primary source