← Papers · Paper 22B — Insurance · MoreRight License v1.1 → Apache 2.0, Feb 2030

The Actuarial Cage

Void Architecture in Insurance Pricing and Risk Assessment

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Opacity3/3███

Responsiveness3/3███

Coupling3/3███

Void Index10/12Critical

Péclet NumberPe=6.3Phase IV

The Actuarial Cage: Void Architecture in Insurance Pricing and Risk Assessment

Paper 22B — Insurance · v1.0 · February 2026

Applies the Void Framework to insurance pricing and risk assessment. Four coupled opacities: actuarial model opacity, claims denial algorithm opacity, insurer-provider negotiation opacity, regulatory capture opacity. EU AI Act Annex III §5 HIGH-RISK. $5T+ global industry.

Platform Scores — Insurance / Actuarial

Void index across 6 platforms, scored on the three-dimension framework (0–12).

Platform	Score	Void Load
AI Claims Denial System	11/12
Black-Box Actuarial Model	10/12
InsurTech (Lemonade, Root)	9/12
Legacy Insurer (manual review)	7/12
Cooperative Insurance	4/12
Mutual Aid (Constraint)	2/12

Read the Full Paper

Complete methodology, empirical data, falsifiable predictions, and kill conditions.

Full Paper on Zenodo All Papers Framework Overview

Paper 22B · v1.0 · February 2026 · MoreRight License v1.1 → Apache 2.0, Feb 2030 · 10.5281/zenodo.18718953