Automated underwriting with UW assistance: a proposal goes through the guideline rules engine, which decides — accept, accept with loading, refer or decline — citing each rule it hit. The model then explains the decision and says what would change it. The verdict is never the model's to make.
Risk scoring, price indication and the guideline reasoning behind it — with the rule ids cited so an underwriter can audit the path.
Illustrative general-insurance underwriting rules encoded in lib/rules.ts. Every decision above cites one or more of these by id.