Documentation Index
Fetch the complete documentation index at: https://docs.gorules.io/llms.txt
Use this file to discover all available pages before exploring further.
This guide shows how to build insurance underwriting rules that assess risk, calculate premiums, and determine policy terms.
What you’ll build
An underwriting decision that:
- Evaluates applicant risk factors
- Calculates risk-adjusted premiums
- Determines coverage eligibility
- Applies regulatory constraints
Decision flow
Example: Auto insurance quote
{
"applicant": {
"age": 28,
"yearsLicensed": 10,
"accidentsLast5Years": 0,
"violationsLast3Years": 1,
"creditTier": "good"
},
"vehicle": {
"year": 2022,
"make": "Toyota",
"model": "Camry",
"value": 28000,
"safetyRating": 5,
"antiTheft": true
},
"coverage": {
"type": "full",
"deductible": 500,
"state": "CA"
}
}
Step 1: Driver risk assessment
Score driver risk factors:
Step 2: Driving history
Assess accidents and violations:
Step 3: Vehicle risk
Assess vehicle factors:
Step 4: Calculate base premium
Step 5: Coverage and deductible adjustments
Step 6: Credit-based adjustment
Step 7: Final premium calculation
Step 8: Eligibility decision
Output structure
{
"decision": "approve",
"annualPremium": 1247.50,
"monthlyPremium": 103.96,
"riskFactors": {
"driver": 1.0,
"history": 1.0,
"vehicle": 0.9,
"credit": 1.0,
"combined": 0.9
},
"coverage": {
"type": "full",
"deductible": 500,
"liability": 100000
}
}
Regulatory compliance
State-specific rules
Best practices
Audit all decisions — Log every factor for regulatory review.
Version rating tables — Track when rates change for policy renewals.
Handle edge cases — New drivers, antique vehicles, rideshare use.
Test extensively — Validate against known good quotes.