Lattice Underwriting Controls DRAFT — for expert review

Algorithmic & AI Underwriting

Tune the governed actuarial + ML blend, decision thresholds, and rate-table factors. Every saved change is audit-logged; the preview scorer re-scores a hypothetical quote with your unsaved values so you can see the impact before applying.

Engine knobs

saved → —

Decision thresholds and score mapping. Actuarial weight is always the complement of ML weight.

Actuarial rate tables

factors are data, never code

Multipliers applied to the base default rate (PD). Values >1 raise risk; <1 lower it.

Model registry

Active blend version —.

Preview scorer

Scores a hypothetical quote with your current unsaved edits.

Premium (USD)

Down %

Term (mo)

Policy type

Credit tier

Carrier rating

NAICS

Apply changes

Saved changes write the engine_knobs / factor rate tables and record an audit entry. They take effect on the next underwriting run.