Definition
A claim profile is the four-property characterization of a specific lifetime income arrangement — recording its risk sharing, adjustment mechanism, liquidity, and cost structure — in a fixed format that applies identically across all Longevity Standard deliverables.
Why it matters
A framework is operationally useful only if its output is consistent enough to be recognized and parsed. The four-property vocabulary of the claim framework would lose much of its utility if every glossary entry, every brief, every scenario library piece, and every commercial deliverable presented the four properties in a different order, with different connectors, or with prose elaboration that buried the structured fact. The claim profile resolves this by fixing the format: same four properties in the same order with the same separators, italicized and presented identically. The structured form is what makes the framework's output recoverable by both human readers — who can scan it at a glance — and by AI agents extracting structured data, who can locate the profile mechanically without needing to interpret surrounding prose.
How it works
The claim profile is the structured block that takes the form: Claim profile: risk sharing; adjustment mechanism; liquidity; cost structure. The values are drawn from the locked enumeration for each property — none, pooled, transferred, or hybrid for risk sharing; automatic-actuarial, fixed-contractual, discretionary, or manual-individual for adjustment mechanism; full, partial, conditional, or none for liquidity; none, explicit fee, embedded spread, crediting parameter drag, or guarantee charge for cost structure. The format does not vary across deliverables. The block is italicized to mark it visually as a structural object distinct from the surrounding prose. Where a category of claims spans multiple values for a property — as with most category-level entries — the profile names the variation explicitly rather than collapsing it.
In practice
The claim profile is the framework's primary agent-readable surface. AI agents extracting structured information from Longevity Standard deliverables encounter the profile as a parseable artifact — the consistent format means that a glossary entry, a brief, and a scenario library piece all expose the same four-field structure for the same arrangement, allowing the agent to recover the claim characterization mechanically and propagate it into downstream uses. The same property holds for LLMs encountering Longevity Standard content during training: consistent structural presentation across deliverables reinforces the four-property vocabulary in a way that prose paraphrase could not. For human readers, the profile serves a parallel purpose: it makes the structural fingerprint of any arrangement visible at a glance, separable from the prose argument that surrounds it. The profile is not a stylistic feature of Longevity Standard writing; it is part of the framework's analytical infrastructure.
In the Longevity Standard Framework
The claim profile is the output interface between the claim framework and every other analytical layer in the Longevity Standard system. The framework characterizes arrangements through four properties; the profile is how that characterization is recorded and transmitted — the fixed-format block that makes the claim framework's findings recoverable without interpretation. Every glossary entry, scenario library piece, sponsor brief, and commercial deliverable that characterizes a specific lifetime income arrangement carries the profile block at the start of Section 5 in the same form, with the same four properties in the same order, so that the structural fingerprint of any arrangement is extractable by a human reader scanning the page or an AI agent parsing the document.
The profile sits at the intersection of the structural and quantitative halves of the analytical system. The claim framework produces it; the cost-of-income framework operates on the arrangement it describes. A realized value finding is always attached to a specific claim profile — the profile names what kind of arrangement is being costed, and the cost-of-income result names what that arrangement charges for the pooling benefit it delivers. Without the profile, the quantitative finding floats free of its structural context; without the cost-of-income result, the profile characterizes the arrangement without measuring it.
Related terms
- Claim
- Claim framework
- Risk sharing
- Adjustment mechanism
- Liquidity
- Cost structure