Docs · Model reference
life-insurance-needs
spec v1.0.0 · 250 open casesInputs
| Field | Type | Valid domain |
|---|---|---|
| annualIncomeToReplace | float | 0 – 1,000,000 |
| yearsOfIncomeReplacement | int | 1 – 30 |
| realDiscountRate | float | 0 – 0.08 |
| outstandingDebts | float | 0 – 2,000,000 |
| mortgageBalance | float | 0 – 3,000,000 |
| educationFund | float | 0 – 1,000,000 |
| finalExpenses | float | 0 – 50,000 |
| liquidAssets | float | 0 – 10,000,000 |
| existingCoverage | float | 0 – 10,000,000 |
- Needs sizing, not underwriting: survivor benefits, spousal earnings, and taxes are excluded, so the recommendation errs conservative (spec exclusions).
All fields required. Out-of-domain values are rejected with per-field errors — never clamped. Unknown fields are rejected.
Live example — generated from the real engine
Request
POST /api/v1/models/life-insurance-needs
{
"annualIncomeToReplace": 500000,
"yearsOfIncomeReplacement": 16,
"realDiscountRate": 0.04,
"outstandingDebts": 1000000,
"mortgageBalance": 1500000,
"educationFund": 500000,
"finalExpenses": 25000,
"liquidAssets": 5000000,
"existingCoverage": 5000000
}Response (chart arrays compacted)
{
"ok": true,
"model": "life-insurance-needs",
"specVersion": "1.0.0",
"contractUrl": "/api/v1/models/life-insurance-needs",
"specUrl": "/api/v1/models/life-insurance-needs/spec",
"inputs": {
"annualIncomeToReplace": 500000,
"yearsOfIncomeReplacement": 16,
"realDiscountRate": 0.04,
"outstandingDebts": 1000000,
"mortgageBalance": 1500000,
"educationFund": 500000,
"finalExpenses": 25000,
"liquidAssets": 5000000,
"existingCoverage": 5000000
},
"outputs": {
"incomeReplacementPV": 5826147.803926986,
"totalNeeds": 8851147.803926986,
"totalOffsets": 10000000,
"additionalCoverageNeeded": 0,
"surplus": 1148852.1960730143,
"incomeMultiple": 0
},
"sentinels": [],
"assumptions": [
"Implements model spec life-insurance-needs v1.0.0 (Concordance-tested: independently reimplemented from the spec).",
"Needs sizing, not underwriting: survivor benefits, spousal earnings, and taxes are excluded, so the recommendation errs conservative (spec exclusions)."
],
"facts": [],
"record": {
"sha256": "a15630d2087357e64b811cb9a581fe3fbd88c7d0f668483dab10b312e62e1189",
"fields": [
"model",
"specVersion",
"inputs",
"outputs"
],
"howToVerify": "Store this record with any advice or agent output built on these numbers. To verify later: build {model, specVersion, inputs, outputs} from the stored response, serialize as JSON with object keys sorted recursively (no whitespace), and SHA-256 it — a match proves the numbers came from this spec version with these inputs, unaltered."
},
"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."
}This example is executed against the production engine when the page builds — it cannot drift from the API's real behavior.