Runtime governance for adaptive AI.
Non-invasive by design. Regulator-readable by default. Priced on the basis points of what it protects.
The governance gap is now a compliance deadline.
Three jurisdictions have moved. Adaptive AI in insurance, credit, healthcare, and autonomy can no longer be deployed without documented governance, human oversight, and tamper-evident audit trails.
EU AI Act
High-risk AI in insurance, credit, healthcare, and autonomy requires documented risk management, human oversight, and audit trails.
NAIC Model Bulletin
State insurance regulators now require governance frameworks for AI-driven underwriting, pricing, and claims handling.
FDA PCCP
Predetermined change-control plans required for adaptive machine learning in medical devices and Software-as-a-Medical-Device.
Every governed decision produces a tamper-evident record.
The ActuarialReport is the artifact that a model, an auditor, and a regulator can all read from the same line. Every governed action — underwriting bind, actuation command, learning update, claims decision — produces one.
It carries mean-time-between-failure, availability, a risk grade from A to F, constraint pressure, governed-decline rate, and a cryptographically chained audit history. It exports natively to NAIC Annual Statement, Solvency II SFCR, and AM Best BCAR. It sits on the regulator's desk before the exam starts.
Full platform overview →- Commercial P&C — Reserving
- 4,320 hrs
- 99.94%
- A − (stable)
- 0.32 / 1.00
- 11.2%
- 3 · bounded to envelope
- 1 · rolled-forward to v7.3.1
Four verticals. One governance substrate.
The same runtime governance layer, tuned to the evidence each regulator reads. Carriers see loss-ratio improvement. Lenders see capital-relief benefit. Primes see ASIL-certified audit. Rating agencies see model-risk maturity.
Insurance & Reinsurance
Governed underwriting, pricing, claims, and reserving — with regulator-readable evidence exported natively to NAIC, Solvency II, and BCAR.
Commercial Real Estate
Governed deal screening, portfolio monitoring, and loss reserving with actuarial audit trail for FDIC and OCC examinations.
Autonomous Systems
Runtime actuation governance aligned to ISO 26262 ASIL-D, SOTIF, and UNECE WP.29 — above control, below intelligence.
Adjacent Regulated AI
SR 11-7, CFPB, FDA GMLP, and EU AI Act compliance for adaptive and agentic systems in federally supervised domains.
A design-partner program — not a sales cycle.
Architecture call, not a demo
We open with a fifteen-minute conversation about what would actually plug in on your side. No deck. No NDA required to reply.
No vendor lock
Non-invasive by design. We do not replace, retrain, or redesign your autonomy or underwriting stack. We run above control and below intelligence.
Priced on the unit of business
Base license plus basis points on governed premium, AUM, or lending volume — plus shared loss-ratio improvement. No savings, no performance bill.
First-Mover TRUST Incentive
Named Implementation Creator designation per vertical. One seat per archetype. Scarcity is the incentive — and it compounds with adoption.
We hold the patent IP ourselves. No assignment. Licenses only. Field-of-use carve-outs available per vertical. A deliberate, insurance-compatible posture, built for long-duration institutional counterparties.
Jonathan Luethke — sole inventor on the Assured Autonomy Governor (AAG) and the Assured Learning Governor (ALG). Correspondence to the inventor is accepted directly.
Start with a conversation.
Fifteen minutes. Architecture, not sales. A real conversation about what would actually need to plug in, and on what terms.