{
  "meta": {
    "version": "v3.1-candidate-20260923",
    "seed": 20260923,
    "people": 20000,
    "observationWindow": "2023-01-01 through 2032-12-31",
    "notes": "Entirely fictional, uncalibrated mechanism illustration. No number is a published estimate, real-world mortality rate, or policy forecast.",
    "ageBands": [
      {
        "key": "30-44",
        "n": 5630,
        "holders": 1151,
        "deaths": 97
      },
      {
        "key": "45-54",
        "n": 8751,
        "holders": 1603,
        "deaths": 361
      },
      {
        "key": "55-69",
        "n": 5619,
        "holders": 913,
        "deaths": 676
      }
    ]
  },
  "individual": {
    "observed": {
      "holders": {
        "n": 3667,
        "deaths": 183
      },
      "nonholders": {
        "n": 16333,
        "deaths": 951
      },
      "byAgeBand": [
        {
          "key": "30-44",
          "holders": {
            "n": 1151,
            "deaths": 18
          },
          "nonholders": {
            "n": 4479,
            "deaths": 79
          }
        },
        {
          "key": "45-54",
          "holders": {
            "n": 1603,
            "deaths": 60
          },
          "nonholders": {
            "n": 7148,
            "deaths": 301
          }
        },
        {
          "key": "55-69",
          "holders": {
            "n": 913,
            "deaths": 105
          },
          "nonholders": {
            "n": 4706,
            "deaths": 571
          }
        }
      ],
      "note": "Holders and nonholders differ in age composition in this fictional world; compare within age bands before attributing the pooled gap to screening."
    },
    "oracle": {
      "riskGroups": [
        {
          "key": "H",
          "label": "Higher latent risk",
          "population": 6848,
          "applied": 3212,
          "approved": 1786,
          "held": 1239,
          "deathsAmongHeld": 107,
          "deathsInPopulation": 679
        },
        {
          "key": "L",
          "label": "Lower latent risk",
          "population": 13152,
          "applied": 3626,
          "approved": 3231,
          "held": 2428,
          "deathsAmongHeld": 76,
          "deathsInPopulation": 455
        }
      ],
      "note": "Latent risk, applications, approvals, and insurer signals are fictional oracle fields. The published 2014 data did not observe this application-to-approval ladder."
    }
  },
  "group": {
    "basicAmount": 50000,
    "eligible": 12327,
    "healthRows": [
      {
        "key": "higher",
        "label": "At least two prior claim events",
        "n": 2401,
        "electors": 1053,
        "supplementalAmountMean": 119183.28584995252
      },
      {
        "key": "lower",
        "label": "Zero or one prior claim event",
        "n": 9926,
        "electors": 2741,
        "supplementalAmountMean": 123057.27836556002
      }
    ],
    "healthRowsByAgeBand": [
      {
        "ageBand": "30-44",
        "key": "higher",
        "n": 566,
        "electors": 270
      },
      {
        "ageBand": "30-44",
        "key": "lower",
        "n": 3086,
        "electors": 883
      },
      {
        "ageBand": "45-54",
        "key": "higher",
        "n": 1050,
        "electors": 460
      },
      {
        "ageBand": "45-54",
        "key": "lower",
        "n": 4355,
        "electors": 1233
      },
      {
        "ageBand": "55-69",
        "key": "higher",
        "n": 785,
        "electors": 323
      },
      {
        "ageBand": "55-69",
        "key": "lower",
        "n": 2485,
        "electors": 625
      }
    ],
    "note": "Observed health burden is generated from prior claim-event counts; it is not latent risk. Basic coverage is an illustrative flat $50,000 benefit. Supplemental coverage up to $100,000 is guaranteed issue in this fictional plan; amounts above it require EOI. No result replicates the 2023 study."
  },
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      "personId": "SL000001",
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      "riskGroup": "H",
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      "insurerSignal": "",
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      "observedHealthBurden": "lower",
      "supplementalCoverageUsd": 0,
      "diedWithin10y": 0
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      "supplementalCoverageUsd": 100000,
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}