Yes, always
No rule fires on this answer, for a model that influences a decision reaching a consumer. A reviewer moves on.
Free snapshot · question 8 of 9
Can a person review or override the output before it reaches a consumer?
Answer yes only if a person can see the output and change it before a consumer is affected. An advisory score that an adjuster is free to accept or reject counts. An automated denial that goes out without anyone reading it does not count, even when someone could review it afterwards.
Why a carrier asks
What the answer decides.
This decides who owns the outcome when something goes wrong, which is why a carrier asks it earliest about anything touching claims or underwriting. An automated path with written limits is acceptable to a reviewer: if the system may only approve claims under a set dollar amount and has to refer everything above it to a person, they can sign that off themselves. If there are no written limits, they cannot, and the question goes up to someone more senior than the person reading your answers.
What the engine does with each answer
Derived, not written.
Each outcome below was produced by running Vaulith's rules engine on that answer, for a model that influences a decision reaching a consumer. The same rules run in the paid assessment, on your whole estate, with the arithmetic shown.
Not in every path
Will escalateR-NO-HUMAN-OVERRIDE
No human review before a consumer outcome on the system you described
The model can reach a consumer without a person able to review or override it first. This is the question a carrier asks earliest about anything touching claims or underwriting, because it decides whether the insurer or the vendor owns the outcome. An answer of no does not end a review, but it moves the conversation from your controls to their appetite, and that is a conversation held at a level you are not in the room for.
The examination items it touches
Where this lands in the questionnaire.
- AIS-6.3 Describe human review and override capability where an AI system contributes to an adverse consumer outcome, and provide override rates.NAIC AI model bulletin §4.5
- AIS-6.1 Describe where a human reviews or can override an AI system output before it reaches a consumer.NAIC AI model bulletin §4.5, human oversight
- AIS-2.3 Describe the risk classification applied to each AI system and the criteria that place a system in the highest tier.NAIC AI Systems Evaluation Tool, high-risk model identification
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.