Flag prohibited and known-proxy variables in rating and underwriting code

The problem

Engineers building rating and underwriting logic can introduce a prohibited variable, or a proxy for one, without noticing. State insurance departments scrutinize exactly this, and catching it after deployment is expensive and public.

How Encephalon addresses it

Encephalon encodes your organization’s maintained list of prohibited and known-proxy variables, along with your required documented-testing steps, into every Claude Code session. When a variable from that list appears in rating or underwriting code, it gets flagged for human review before the change lands. Two honest limits: this checks code against your list, so it does not discover a novel statistical proxy on its own, and it does not read a deployed model’s live decisions. What it does is put your own compliance knowledge in the path of every change, which is where it was never applied before.

The outcome

Prohibited-variable risk caught at the source, with documented testing evidence that supports the carrier’s response when a department inquiry arrives. The expensive version of this discovery, in a market conduct exam, gets a lot less likely.

Book a 30-minute discovery call to see this against your own variable list.

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