All use cases
Insurance & Underwriting
An automated underwriting model declines a policy. The applicant invokes their GDPR Article 22 right to an explanation. The record is ready.
The situation
An automated underwriting model declines a policy application. The applicant invokes their GDPR Article 22 right not to be subject to a solely automated decision without explanation. The insurer must show the meaningful logic involved and that a human review path exists. With Aegis Trace, the decision was sealed with its inputs and rationale at the moment it was made, the explanation is already on file.
The regulations
- GDPR Article 22
- EU AI Act
- FCA ICOBS
- Equality Act
The evidence
The underwriting model records the decline and its logic.
POST /v1/decisions
{
"decision": "decline_policy",
"product": "term_life",
"regime": "GDPR_ART_22",
"factors": ["disclosed_condition", "occupation_class"],
"human_review_available": true
}A certificate that satisfies the right to an explanation.
{
"certificate_id": "crt_uw_2a55",
"status": "sealed",
"decision": "decline_policy",
"regime": "GDPR_ART_22",
"issued_at": "2026-03-14T09:21:07Z",
"inputs_hash": "sha256:3f8a…c1d2",
"model": { "name": "decision-engine", "version": "4.2.1" },
"signature": {
"alg": "ed25519",
"value": "MEUCIQD…Qz9w",
"anchored": "rfc3161"
}
}What the regulator receives
A certificate evidencing the meaningful logic behind the decline, the factors involved, and that a human-review route was available, exactly what an Article 22 explanation requires.