CAIN-42 CAIN StudioCAIU · Module 5 of 5 · 12 min
What the score can and cannot support
ACTUARY is not an insurance product, a premium, a discount or a compliance certificate. No insurer stands behind it. It is an input to an underwriting or risk conversation.
Use it to answer concrete questionnaire items: are high-risk agent actions gated? Is there human approval above thresholds? Is there tamper-evident evidence of decisions? Can the insured show a containment drill?
State the limits plainly: same-project tests, no third-party audit, prototype status of some paths. Credibility is the product.
Key points
- Not a premium, discount or certificate.
- An input to underwriting conversations.
- Map evidence to questionnaire items.
- State the limits plainly.
In the CAIN-42 codebase
keystone/actuary.py— module docstring: 'What this is not'
Practice check
Practice 1 · true or false
“An ACTUARY score is a binding insurance premium.”
Practice 2 · choose one