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Neural-Insurance Premium Audit.

Calculates health and life insurance premiums based on "Neural Tendencies" identified via consumer BCI data, modeling the pricing of "Future Risk" before it manifests.

## Insuring the Inevitable

If your brain-wave patterns correlate with high risk-taking or chronic stress, should you pay more for insurance? The industry says yes. This tool models 'Neural-Underwriting.'

### FAQ

**Q: How does the insurance company get my brain data?**
A: 'Terms of Service.' When you use a consumer EEG headband for 'focus' or 'meditation,' the fine print often allows the data to be sold to third-party 'Risk Aggregators.' These aggregators assign you a 'Neural Risk Score' which is then used by insurers to adjust your premium. This tool calculates the 'Impulsivity Surcharge'—the extra $100/mo you pay because your brain looks a certain way.