{"model":"life-insurance-needs","specVersion":"1.0.0","specUrl":"/api/v1/models/life-insurance-needs/spec","inputs":{"annualIncomeToReplace":{"kind":"float","min":0,"max":1000000},"yearsOfIncomeReplacement":{"kind":"int","min":1,"max":30},"realDiscountRate":{"kind":"float","min":0,"max":0.08},"outstandingDebts":{"kind":"float","min":0,"max":2000000},"mortgageBalance":{"kind":"float","min":0,"max":3000000},"educationFund":{"kind":"float","min":0,"max":1000000},"finalExpenses":{"kind":"float","min":0,"max":50000},"liquidAssets":{"kind":"float","min":0,"max":10000000},"existingCoverage":{"kind":"float","min":0,"max":10000000}},"arrayInputs":{},"constraints":["Needs sizing, not underwriting: survivor benefits, spousal earnings, and taxes are excluded, so the recommendation errs conservative (spec exclusions)."],"sentinels":[],"facts":[],"disclaimer":"Illustrative planning model, not financial advice. Outputs follow the published model spec exactly; read the spec for assumptions and exclusions before relying on any number."}