The NAIC AI Pilot Has One Real Test: Can the Underwriting Decision Replay?
Summary
The article examines the NAIC AI evaluation pilot and its demand for replayable underwriting decisions. It argues that insurers now need to reconstruct the exact model, feature set, human override, and timestamp behind each decision, not just provide governance documents. It presents Mickai's sealed, signed, and Bitcoin-anchored audit record as a way to make underwriting decisions retrievable and verifiable. The piece positions this architecture as a response to regulator expectations in insurance AI governance and auditability.
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