{
  "schema_name": "life-selection-synthetic",
  "version": "v3.1-candidate-20260923",
  "seed": 20260923,
  "random_streams": "Each stable person ID uses separate baseline, individual-market, group-market, prior-event-date, and mortality random streams. This keeps synthetic deaths unchanged if an insurance rule is edited.",
  "generation_date": "2026-09-23",
  "population_n": 20000,
  "decision_date": "2023-01-01",
  "prior_health_event_window": "2021-01-01 through 2022-12-31",
  "death_followup_end_exclusive": "2033-01-01",
  "years_of_death_followup": 10,
  "age_at_decision_min": 30,
  "age_at_decision_max": 69,
  "age_bands": [
    {"key": "30-44", "minimum": 30, "maximum": 44},
    {"key": "45-54", "minimum": 45, "maximum": 54},
    {"key": "55-69", "minimum": 55, "maximum": 69}
  ],
  "individual_market": {
    "face_amount_usd": 100000,
    "offer_types": ["standard", "rated", "declined"],
    "insurer_signal": "Noisy binary flag drawn only for applicants. It is correlated with latent risk and prior claims, but is neither true risk nor a perfect approval rule.",
    "decision_rule": "Stochastic given the flag. The numeric decision_probabilities_by_insurer_signal map is the single source of truth; the rule is not deterministic in the signal.",
    "decision_probabilities_by_insurer_signal": {
      "1": {"declined": 0.58, "rated": 0.34, "standard": 0.08},
      "0": {"declined": 0.04, "rated": 0.12, "standard": 0.84}
    },
    "cross_market_terms": "Group eligibility lowers the individual application propensity (logit coefficient -0.12); an individual-market decline raises group supplemental election (+0.12).",
    "accepted": "Observed only after a standard or rated offer. Empty for nonapplicants and declined applicants.",
    "pricing": "Fictional age-related quote and a rated-offer multiplier. No estimate of real premiums or demand elasticity.",
    "policy_counterfactual": "None in this release. The generated cross-sectional ladder is not an estimate of a no-underwriting policy effect."
  },
  "group_market": {
    "eligibility": "Generated employment-linked eligibility at the decision date.",
    "basic_coverage_usd": 50000,
    "basic_coverage_note": "The fixed $50,000 automatic basic benefit is an illustrative teaching simplification. The university plan studied in the 2023 group paper used salary-linked basic coverage, not this synthetic flat amount.",
    "supplemental_choices_usd": [0, 100000, 200000],
    "guaranteed_issue_limit_usd": 100000,
    "eoi_rule": "The first $100,000 of elected supplemental coverage is issued without new evidence of insurability in this fictional plan. Requests for $200,000 need EOI for the additional $100,000. A failed EOI request receives only $100,000.",
    "group_employee_contribution_per_1000_per_month_usd_by_age_band": {
      "30-44": 0.16,
      "45-54": 0.20,
      "55-69": 0.27
    },
    "premium_note": "The fictional supplemental employee contribution varies by age band and elected amount, but not health within age band. It is not calibrated to the university plan or any real insurer.",
    "observed_health_proxy": "High observed burden means at least two generated health-claim events dated 2021-01-01 through 2022-12-31, before the 2023-01-01 decision. The event rows are in prior_health_events.csv. The group researcher view can observe this proxy; it cannot observe latent risk or private news.",
    "group_election_note": "Synthetic supplemental election responds to private risk, observed claims, preferences, and a small individual-market rejection term. These are assumed behavior rules, not effects estimated by the 2023 paper."
  },
  "mortality": {
    "base_annual_hazard_age_35": 0.00052,
    "age_log_hazard_slope": 0.085,
    "latent_high_risk_log_hazard": 0.75,
    "claim_count_log_hazard": 0.16,
    "private_news_log_hazard": 0.25,
    "frailty_log_hazard": 0.22,
    "frailty_rounding_decimals": 10,
    "forced_death_age": 110,
    "coverage_effect_on_mortality": 0,
    "note": "Illustrative hazard process. It is not calibrated to Society of Actuaries tables, US life tables, or the published Yelowitz studies. Death outcomes must not be interpreted as real rates or published estimates."
  },
  "observation_masks": {
    "individual_observed": ["person_id", "age", "age_band", "claims_count_2y", "observed_health_burden", "individual_held", "died_within_10y"],
    "group_observed": ["person_id", "age", "age_band", "claims_count_2y", "observed_health_burden", "basic_coverage_usd", "supplemental_coverage_usd", "supplemental_elected", "guaranteed_issue_limit_usd", "group_rate_per_1000_monthly_usd", "group_premium_monthly_usd"]
  },
  "audit_subset_rule": "First 25 generated H rows and first 25 generated L rows in ascending stable person_id order. This 50-row file is an oracle audit slice, not a representative sample or the earlier hand-built fixture.",
  "claims": {
    "real_person_or_policy_records": false,
    "empirical_calibration": false,
    "published_replication": false,
    "causal_policy_effect": false
  }
}