Insurance and protection

cap17_unearned_premium / finance control and Cap17 trustee

coverage 112.00%

trade_credit_reinsurance / insurance risk and reinsurance counterparty management

coverage 104.89%

repo_protection_reserve / collections conduct and finance control

coverage 112.80%

mutual_aid_member_fund / mutual aid operations and member trustee

coverage 113.95%

paid

approved

paid

reviewing

reviewing

Insurance and protection products should prove suitability, fair value, approved terms, customer outcome review, and conduct controls before expansion.

Insurance bind, claim, cancellation, and payout routes should remain closed until the relevant gate and producer controls are ready.

Insurance terms, pricing, and eligibility should be fair, understandable, and linked to complaints and redress routes.

Unearned premium, reserves, treaty balances, and member funds should be segregated, reconciled, and payout-controlled.

Protection pools should hold sufficient funds and current reconciliation evidence before payout or release.

Claims should be timely, fair, evidence-backed, fraud-screened, customer-notified, and appealable.

Insurance exposures should have current treaty utilization, concentration, counterparty, and FX evidence before limit growth.

Insurance bind, claim, cancellation, payout, and refund actions should fail closed on synthetic or unavailable source data.

Insurance governance should trace to conduct, customer-harm, privacy, live-read, auditability, API, payments, records, risk data, fraud, collections, third-party, portfolio, market, assurance, and board evidence.

Insurance product, gate, trust-fund, claim, reinsurance, and board evidence should be reproducible for audit and supervision.