Insurance Product Review

1. Build a simple unit-economics table for each floor tier.
2. Estimate loss ratio sensitivity under mild, base, and stressed price-drop scenarios.
3. Check whether premium schedule compensates for jump-risk and correlation risk.
4. Check reserve adequacy and liquidity timing under clustered claims.
5. Highlight where product terms can be gamed by informed buyers.
6. Propose contract-level guardrails that improve risk control.

Practical critique checklist

1. Does premium scale with volatility and policy duration, or stay static?
2. Is there a waiting period or anti-gaming mechanism before claims can trigger?
3. Are confidence and sample-size signals used to gate low-quality oracle reports?
4. Are max payout and total exposure caps enforced per feed and globally?
5. Is there a reserve ratio target and underfunded-vault handling path?
6. Is there reinsurance-like logic or a circuit breaker for extreme events?

Output contract

Return:

1. Economic risks with quantified directionality where possible.
2. Top 5 product changes ranked by impact and implementation effort.
3. Contract implications mapping each recommendation to Solidity/workflow updates.
4. Go or no-go for demo, pilot, and production-readiness stages.