# Underwriting Risk Gate

> Score GREEN/YELLOW/RED risk before delivery for medical, legal, or financial-advice asks; hold RED for review. Use as a pre-delivery gate, not as advice. Scope boundary — does not give legal/medical advice; claim support → `double-entry-claims`; independent safety layers → `containment-safety-layers`.

- Skill: `catcorner22/underwriting-risk-gate` (Agent Skill)
- Install (CLI): `npx skillmds@latest add catcorner22/underwriting-risk-gate`
- Raw SKILL.md: https://api.skillmd.com/api/skills/catcorner22/underwriting-risk-gate/raw
- Safety review: pending
- Works with: Claude Code, Claude.ai, OpenAI Codex
- Category: Coding & Dev Tools
- Author: CatCorner22 (https://skillmd.com/u/catcorner22)
- Updated: 2026-09-21
- Page: https://skillmd.com/skills/catcorner22/underwriting-risk-gate

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# Underwriting pre-delivery risk gate

**#38** · **Domain:** Insurance underwriting · **Category:** extension · **Difficulty:** 🟡 Medium

## Core principle

Price the risk before you bind the policy.

## AI problem addressed

High-stakes drafts ship with the same confidence as a rewrite.

## Implementation

Scan query+output for medical / legal / financial-advice terms.
GREEN < one hit, YELLOW one, RED two or more. RED → warn and hold.

## Boundaries

- Prototype as prompt scaffold (🟢) before full pipeline middleware (🟡/🔴)
- Category router: **`ai-transfer-extension`**
- Catalog: **`ai-transfer-ecosystem-primer`**
- Runtime plugin id: `underwriting_risk`