Prove every insurance decision was non-discriminatory — before a market-conduct exam asks.
EVE CoreGuard enforces your insurance AI policy — the NAIC AI Model Bulletin, unfair-discrimination law, Colorado SB21-169, NY DFS ECDIS — on each AI-assisted underwriting, rating, or claims decision before the model’s output is used, and signs a replayable evidence record that a Department of Insurance can verify offline. Block the decision you can’t defend.
A model card won’t answer “prove this AI decision wasn’t unfairly discriminatory.”
AI is moving into underwriting, rating and pricing, claims adjudication, and fraud detection. The problem isn’t whether the model is accurate — it’s whether you can prove, decision by decision, that it stayed inside the law. A probabilistic model plus application logs cannot show a market-conduct examiner why a specific decision was made, that external data didn’t act as a proxy for a protected class, or that a retrained model didn’t introduce disparate impact.
Proxy discrimination from external data
External consumer data and algorithms can stand in for a protected class without anyone intending it. Unfair discrimination in underwriting, rating, or claims is a violation per decision — and these scale fast across a book of business.
Disparate impact on model updates
A retrained or re-tuned model can quietly shift outcomes for a protected class. Without pre-promotion testing, the first time you learn is during a market-conduct exam or a Division of Insurance inquiry.
Lifecycle governance documentation
The bulletin expects governance that is consistent, explainable, and auditable across the AI lifecycle. Probabilistic outputs that drift with model version are none of those.
Unexplainable adverse decisions
When external data or a model drives an adverse decision, ECDIS guidance and FCRA expect a traceable basis. If the same applicant profile can get different outcomes across model versions, you can’t explain — or defend — why a given decision happened.
Deterministic enforcement, then signed evidence — on every decision.
CoreGuard sits in front of your insurance model as a governance layer. It evaluates each proposed decision against
your insurance_v1 policy pack and returns ALLOW, BLOCK, or MODIFY before the output is used —
then writes a cryptographically signed record of exactly which rule fired and why.
Enforce policy before the decision is used
The insurance_v1 pack encodes NAIC AI Model Bulletin / unfair-discrimination / CO SB21-169 / NY DFS ECDIS rules. The same input always produces the same governance decision — deterministic, not probabilistic.
Block decisions that fail the proxy-discrimination check
If an underwriting, rating, or claims action fails your deterministic unfair-discrimination test, CoreGuard blocks it and records the gap — so the decision you make matches the record you keep.
Gate every model update through the Model Update Firewall
Each model change is simulated against your fairness rules and blocked before promotion if it introduces disparate impact. See the EVE Model Update Firewall →
Hand the examiner a record they can verify themselves
Every decision becomes a signed, hash-chained evidence record (Ed25519 in production). Re-hash and re-verify it offline with the public key — no EVE service required. Verify a record →
One prevented discrimination event pays for years of governance.
The price tag on a single insurance-governance failure dwarfs the cost of the control that prevents it.
Illustrative ranges drawn from public regulatory penalty caps, published enforcement actions, and statutory damages — not EVE customer results. Model your own exposure with the ROI calculator. EVE CoreGuard’s Enforcement license is $150,000/year.
Your data never leaves your tenant.
CoreGuard runs as SaaS, in your VPC, or fully on-prem. The governance decision and the signed record are produced inside your boundary — nothing about a policyholder or claimant is sent to EVE to make a decision. See deployment models →
SaaS
Fastest start. Decisions and signed records produced in an isolated tenant.
VPC / Private
Runs inside your cloud account, under your network and key controls.
On-prem
Air-gap-friendly for carriers that keep model decisioning fully in-house.
Examiner access
Issue scoped, time-boxed evidence links so a Department of Insurance examiner can verify records directly.
Insurance AI governance, answered plainly.
Bring one insurance workflow under deterministic governance.
A 60-day design-partner pilot puts CoreGuard in front of a single decision flow — underwriting, rating, or claims — produces signed evidence on real decisions, and credits the pilot fee toward your license.