Decision

Proposed a health loading on Ava Chen's cover, held for a licensed adviser

19 Jul 2026, 14:05

d2Adverse decision

Adverse decision. Anything that could decline or load cover is gated to a licensed adviser. Bob never actions this on its own. This one is held, pending a human sign-off.

Reason codes

ADVERSE_DECISIONDISCLOSED_CONDITIONUW_LOAD_PROPOSED

Cited sources

Decision DEC-5002 (held)
QUO-2087 intake
Fair Insurance Code (utmost good faith)

Every decision is logged with its reason codes and the sources cited, so an adviser can defend it and a regulator can audit it.

Summary

Subject: Ava Chen (Chen household)
Actor: Bob (AI)
When: 19 Jul 2026, 14:05
Status: Awaiting sign-off