Research · Note · Jun 2026
Failure accounting: eleven rows, two unsound
Every known failure mode, its detection condition, and whether the handling is sound.
The table
What a row contains
Each row names a failure mode, the condition under which it is detected, the flag it raises, and whether the handling is sound. Sound means the system either resolves the condition or refuses to answer. Unsound means it can proceed while wrong.
Two rows are unsound. They are the two that matter, they are marked in proof red in the document, and they are the reason this note exists as its own publication rather than an appendix.
Why publish it
It is the page that gets screenshotted
No competitor publishes this. That is the point. A reader who finds a limits page before they find a benefits page reaches a different conclusion about the company, and it is the conclusion we want because it happens to be accurate.
It is also defensive. Every limit disclosed here is a limit that cannot be discovered later and presented as a concealment. The failure modes are enumerable, which is what makes them insurable.
Known, not complete
This is the accounting of failure modes we know about. It is not a proof that no others exist. A new row appearing here is the system working as intended, and new rows will appear.