Insurance Claim Payout Demo
Reduce payout risk by certifying coverage rules and producing verifiable, auditable results
Reduce payout risk by certifying coverage rules and producing verifiable, auditable results
Reduce payout risk by certifying coverage rules and producing verifiable, auditable results
Consistent
Same input → same output
Consistent
Same input → same output
Fast
Get an answer instantly
Fast
Get an answer instantly
Results
Proof + results + constraints
Results
Proof + trace + constraints
Results
Proof + trace + constraints
Certified
Certified before release
Certified
Certified before release
Certified
Certified before release
Scenario + Inputs
Overview
Select an input dataset, modify scenario values, and verify key loan metrics like loan-to-value ratio, debt-to-income ratio, and reserve months to assess borrower risk.
What this demo shows
CERTIFIED
We can prove the math behind the checks (even if a check is TRUE or FALSE).
NOT CERTIFIED
We cannot prove at least one check, so we fail closed.
TRUE / FALSE
Whether a rule passed. Loan approval is a separate decision.
Loaded scenario
Sample A (CERTIFIED, all TRUE)
Workflow: Income ratios (DTI/PTI)
Property + loan
Property value
Down payment
Annual rate
6.25%
Term (years)
Loan amount
$487,500.00
Monthly P&I (demo)
$3,001.62
Escrows + reserves
Monthly taxes
Monthly insurance
Monthly HOA
Liquid reserves
Monthly PITI
$3,816.62
Reserves coverage
22.27 months
Borrower / cashflow
Monthly gross income
Monthly debts
Annual NOI
This demo certifies math control checks. It does not approve or deny loans.
Policy Controls
Mode: Income ratios (DTI/PTI)Overview
Modify tolerance levels for ratio checks. Certification failure indicates debt ratios may signal a risk of default.
LTV max
Reserves minimum
DTI max
PTI max
Derived metrics (informational)
LTV
Loan-to-value
75.00%
DTI
Debt-to-income
31.55%
PTI
Payment-to-income
27.26%
Reserves
Months of PITI
22.27
Policy controls define thresholds. Certification determines whether each check is provable.
Result Summary
Overview
Once certification is complete, receive a receipt showing the derived ratio results and traceable inputs.
—
Run certification to generate a receipt.
Run stats
Kernel version
—
Execution time
—
Checks
—
Checks performed
Run certification to populate checks.
Claim + Inputs
Overview
Review the claim, line items, and loss facts that drive the payout calculation.
What this demo shows
CERTIFIED
We can prove the payout math behind the checks (even if a check is TRUE or FALSE).
NOT CERTIFIED
We cannot prove at least one check (e.g., evidence/documentation), so we fail closed.
TRUE / FALSE
Whether a rule passed. Claim approval/coverage decisions can involve non-math evidence.
Loaded claim
Sample A (CERTIFIED, ACV)
Homeowners PropertyClaim #HO-248173DOL 2026-02-06
Loss line items
COVERED
Water mitigation
Dry-out, fans, dehumidifiers
$3,200.00
COVERED
Drywall + paint
Replace damaged drywall and repaint
$4,100.00
COVERED
Flooring
Replace laminate in affected rooms
$5,600.00
EXCLUDED
Wear & tear
Pre-existing deterioration (excluded)
$900.00
Total claimed
$13,800.00
Excluded amount
$900.00
Covered loss
$12,900.00
Claim facts
Depreciation
Shown as recoverable on RCV. Subtracted on ACV.
Prior payments
Advances or prior partial settlements.
Limit remaining
$50,000.00
Payable base
$12,900.00
Net payout
$10,650.00
This demo certifies payout math checks. Real claims may also require external evidence that cannot be proven by math alone.
Policy Controls
Settlement: ACVOverview
Set the rules that determine what is covered, deducted, and capped before payout.
Settlement basis
Deductible
Coverage limit
Derived (informational)
Covered
Covered loss
$12,900.00
Limit
Limit remaining
$50,000.00
Payable
Payable base
$12,900.00
Payout
Net payout
$10,650.00
Policy controls define thresholds and settlement basis. Certification determines whether each check is provable.
Result Summary
Overview
After certification, review verified outputs, checks, and receipt-ready claim results.
—
Run certification to generate a receipt.
Verified outputs
Net payout
$10,650.00
Settlement basis
ACV
Limit remaining
$50,000.00
Run stats
Kernel version
—
Execution time
—
Checks
—
Checks performed
Run certification to populate checks.
