# InsureAI.app — Insurance AI Governance, Actuarial Risk Observatory & Evidence Infrastructure

> Actuarial AI liability observatory (`/radar`), adverse decision evidence templates, NAIC / Colorado SB 21-169 / EU AI Act Annex III §5(c) underwriting matrices, and RFC 8785 cryptographic receipts. Operational diagnostic and evidence review workflows route to https://aiacts.app/scan and https://aiacts.app/evidence-review.

VOS supports governance, evidence and audit-readiness workflows. It is not legal advice and does not certify compliance by itself.

## Primary Operational & Observatory Surfaces
- [InsureAI Radar — Live Actuarial & AI Liability Observatory](https://insureai.app/radar): Macro ESL index, AI System & Carrier Underwriting Transparency Matrix (`✓ Yes / ✕ No`), Seal Void Center, 14 Negative-Fact Gaps, and modeled bps calculator (`radar_metric_receipt.v1`).
- [InsureAI Radar Markdown Twin](https://insureai.app/radar.md): Full machine-readable Markdown twin of the InsureAI Radar Observatory.
- [1-Click AI Compliance & Liability Gap Scanner (€0)](https://aiacts.app/scan?sector=insurance&utm_source=llms-txt-insureai): Universal 2-axis diagnostic engine (`0-100` score + `Level 0..5`).
- [48h AIActs Evidence Review (€850)](https://aiacts.app/evidence-review?utm_source=llms-txt-insureai): Partner-countersigned EU AI Act Art. 14 human oversight & Living Passport review.
- [Actuarial & AI Liability Research Reports (/research)](https://insureai.app/research): 14 deep-dive actuarial and legal studies (`ScholarlyArticle` JSON-LD & `.md` twins).
- [Adverse Decision Evidence Workbench (/workbench)](https://insureai.app/workbench): EU AI Act Art. 86 & Colorado SB 21-169 consumer explanation builder.
- [Underwriting Evidence Patterns (/insurance-underwriting-evidence)](https://insureai.app/insurance-underwriting-evidence): 85-95% automated / 5-15% Art. 14 human oversight underwriting patterns.
- [Insurance AI Glossary (/glossary)](https://insureai.app/glossary): 25 actuarial & algorithmic liability definitions.

## Machine-Readable Discovery & MCP Endpoints
- [Full Root Page Markdown Twin (/index.md)](https://mcp.insureai.app/index.md): Complete Markdown representation of `https://mcp.insureai.app/`.
- [Extended Corpus Specification (/llms-full.txt)](https://mcp.insureai.app/llms-full.txt): Full 42-tool VOS Core MCP specification and 336-entity Proof Passport directory.
- [MCP 2026-07-28 Server Card](https://mcp.insureai.app/.well-known/mcp/server-card.json): Streamable HTTP MCP endpoint (`https://mcp.insureai.app/mcp`).
- [Agent Skills Index](https://mcp.insureai.app/.well-known/agent-skills/index.json): Discoverable agent skills and schemas.
- [OpenAPI 3.1.0 Specification](https://mcp.insureai.app/openapi.json): REST & MCP gateway contract.
- [Pricing & x402 Readiness Manifest](https://mcp.insureai.app/.well-known/vos-pricing.json): Commercial offers and quote-only x402 sandbox specification.