Yes, it reaches a consumer
No rule fires on this answer. A reviewer moves on.
Free snapshot · question 3 of 9
Does any model influence a decision that reaches a consumer?
Answer yes if a model's output feeds underwriting, pricing, claims handling or a fraud referral about a real person. A human making the final call does not change the answer, and neither does a human who often disagrees with the model, because the carrier is asking what shaped the decision rather than who signed it. For example, if a model scores claims and an adjuster works the list from the top down, the model decided which customer was looked at first, even though the adjuster decided every outcome. Answer no only when nothing a model produces reaches anyone outside your company, such as a coding assistant or an internal operations dashboard.
Why a carrier asks
What the answer decides.
This is the line the NAIC model bulletin draws, and it decides which of your systems the carrier has to govern and which ones a state examiner will ask about by name. Carriers read the line broadly, because they are the ones who answer to the regulator, and a system that only ranks or recommends has still shaped an outcome for a real person. A later question asks separately whether a person can review or override the output, so you are not answering that one here. If you are unsure, the test a carrier applies is whether someone outside your company would have been treated differently had the model not run.
What the engine does with each answer
Derived, not written.
Each outcome below was produced by running Vaulith's rules engine on that answer. The same rules run in the paid assessment, on your whole estate, with the arithmetic shown.
No, internal use only
No rule fires on this answer. A reviewer moves on.
Answer it about your own estate.
The snapshot asks this and eight more, in about ninety seconds, with nothing leaving your browser, and returns every finding with its reasoning and its remediation.