Night Brief SF

Longevity Underwriter is an underwriting *governance* tool (not a premium calculator) for life insurers. Insurers price on smoking, BMI, and labs but ignore cardiorespiratory fitness (VO₂max) — one of the strongest longevity signals in the literature — because wearable data is too noisy to price on. The core problem: which fitness signals may you responsibly price on, which should only earn a reward, and which a regulator would block? It ingests a runner's data (Hashiri Runner Context — JSON or Markdown, including a paginated health time-series), then runs an auditable engine that sorts every signal into priceable / reward-only / regulator-flagged, prices conservatively on the lab CPET (never the wearable, which over-reads ~20%), and shows uncertainty as a confidence band rather than a false- precision number. Claude writes an underwriter + regulator memo that must surface the regulator's (NAIC) objection. Honest by design: a literature-derived relative signal, never an actuarial price.

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