GreatCTO for Insurance / InsurTech

What you avoid

The 5 insurance bugs that kill at IPO due-diligence.

Without GreatCTO

☐Pricing model uses ZIP code — disparate-impact discrimination, CA bans
☐Actuarial model not auditable — ASOP 56 violated, regulator pulls license
☐NY in scope — 23 NYCRR 500 cybersecurity controls missing
☐Solvency II SCR calc not reproducible — supervisor review fails
☐Claims fraud detector — false-positive rate 30%, adjuster fatigue
☐State license suspended · IPO blocked · $10M fine.

With GreatCTO

✓insurance-reviewer maps state-by-state filing matrix at gate
✓ASOP 41/56 auditable model documentation auto-generated
✓NYDFS 23 NYCRR 500 controls implemented in CI
✓Solvency II SCR calc reproducible — versioned data + assumptions
✓Disparate-impact analysis on every pricing model change
✓50-state-ready · audit-clean · IPO-due-diligence proof.

Auto-applied gates

Detected: `acord-standards` + `naic-schemas` or README mentions `underwriting` / `premium` / `claim` →
insurance archetype.

Compliance auto-suggested: naic · solvency-ii · ifrs-17 · gdpr · ccpa · anti-discrimination-pricing · actuarial-asops · state-doi. Specialist agents activated:

01 · insurance-reviewer

NAIC + Solvency + actuarial

NAIC 50-state filing matrix · Solvency II SCR/MCR · IFRS 17 contract measurement (GMM/PAA/VFA) · ACORD message validation · ASOP 41/56 model documentation · disparate-impact pricing analysis · bordereau reporting for reinsurance.

02 · regulated-reviewer

NYDFS + state cybersec

NY 23 NYCRR 500 specific controls · NAIC Cybersecurity Event Notification Model #672 (30+ states adopted) · DPA chains for cloud-deployed carriers.

03 · security-officer

Claims fraud + PII

Network analysis for claim rings · velocity checks · document forgery detection · NICB integration · PII handling for insureds + claimants.

04 · ai-security-reviewer

AI in pricing/claims

AI-driven underwriting auditability · explainability per consumer right · bias on protected classes · adverse-action notice generation when AI denies a claim or quote.

Domain pack overlays

Likely to overlay on insurance.

Packs auto-attach when CLI detects pack-specific signals (e.g. twilio in deps → voice-pack). Each pack adds its own reviewer agents + human gates on top of the base archetype pipeline.

+ Lending/Credit

ECOA / Reg B, FCRA, NMLS state matrix, MLA, BISG fair-lending

+ EM Fintech

India DPDP, Nigeria CBN, Brazil BCB/LGPD, MAS, OJK, BSP, local rails

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