# AgentAz Specification — Insurance Policy Coverage Agent

AgentAz is a lightweight, design-time specification vocabulary. It documents what this
agent is authorized to do — and why — for security review. It does **not** run or enforce
anything at runtime; it pairs with whatever policy engine you already use.

- **Trust Level:** A2 — Recommend
- **DNA Pattern:** Synthesis (Extract → Synthesize → Verify)
- **Worst-Case Action:** Gives an incorrect explanation of what a policy covers that a human reviews before relying on it. It cannot make a coverage determination, approve or deny a claim, or pay — those tools are absent from its registry.
- **Authority Boundary:** Reads a policy document and explains coverage, limits, and exclusions in plain language with citations to the policy. It never makes a binding coverage determination, never approves or denies, and never pays. A licensed human decides.
- **Verification Test:** Attempt to call a coverage-determination, approve/deny, or payment tool → confirm it is absent; confirm explanations cite the policy.
- **Last Reviewed:** 2026-06-24
- **Production Readiness:** 6/6 dimensions passing. Tool isolation: determination/payment tools absent. Human gates: a licensed human decides. Confidence escalation: ambiguous policy language flagged. Cost ceiling: bounded per query. Audit trail: explanations and citations logged. Escalation path: edge cases routed to a human.

The machine-readable contract is in `agentaz.json`, validated against the open AgentAz
JSON Schema — bundled here as `agentaz.schema.json` for offline use and published at the
permanent URL https://www.agent-kits.com/agentaz/agentaz-v1.0.schema.json (frozen v1.0).
Trust Levels are classified by
**worst-case action**, not typical behavior.

Source: https://agent-kits.com/kit/policy-coverage-explainer
