A carrier builds an AI-assisted auto-rating engine. In Business, an actuary declares each rating factor and its acceptance criteria; the platform structures the specification but never authors the rule. Development generates the engine within the declared architecture.
When a state regulator challenges a filed rate and asks how a territory factor was derived, the carrier opens the Analyzer: the factor traces to a human-authored business rule, a versioned rationale, and a named actuarial approver — with the timestamp it was accepted. The rate filing's explainability requirement is satisfied by the same trail the team used to build the software.
