Featured capability · 01
Future simulation
Create a living model of the decision across economic shifts, personal changes, rare events, and the choices other people may make.
Future service concept · 2027–2031
What if your best decisions came with a safety net?
Decision Insurance is an AI underwriter for life’s consequential choices. It simulates millions of plausible futures, explains what could change the outcome, and—when the evidence is strong enough—offers to share the risk.
A speculative product vision, not insurance or financial advice. These capabilities and policies do not exist today.
Decision under review
Move to Copenhagen?
2.8m
futures tested
81%
good outcomes
24 mo
coverage
Proposed safety net
$42 / month
✓
Income bridgeup to 6 months
Return relocationfully covered
Career recovery agentincluded
Why we would insure it: your downside is recoverable, while the likely gains in wellbeing and career optionality are substantial.
Millions
of plausible futures privately rehearsed
Plain terms
with uncertainty and exclusions made visible
Shared risk
when the system is confident enough to commit
Coverage for real life
Big choices. New kinds of protection.
Not a prediction engine and not a promise that life will go perfectly. Decision Insurance would turn uncertainty into understandable terms—and build a practical way back if a covered choice goes wrong.
Chapter 01
Understand the wager
Model regret, uncertainty, second-order effects, and what confidence is really built upon.
01
02
Regret forecast
Model not only financial outcomes, but likely regret, identity change, relationships, energy, lost options, and the cost of never trying.
03
Counterfactual premium
Price coverage from the difference between acting and staying put, rewarding choices with recoverable downsides and meaningful upside.
04
Adaptive policy
Let protection evolve as reality unfolds. New evidence can lower the premium, extend the safety net, or trigger an early course correction.
05
Decision escrow
Hold irreversible actions—fund transfers, resignation letters, signed offers—until agreed evidence and cooling-off conditions are satisfied.
06
Outcome rescue
If a covered path fails, deploy money and specialized AI agents to rebuild income, relocate, renegotiate debt, or reopen the strongest alternative.
Chapter 02
Keep a way back
Preserve alternatives, identity, community, and the practical capacity to recover.
Featured capability · 07
Collective foresight pool
Learn from privacy-preserving patterns across similar decisions without revealing another person’s life, identity, or outcome.
08
Assumption alarms
Monitor the few facts the policy depends on and warn you when the world has changed enough to reconsider before damage compounds.
09
Courage dividend
Return part of the premium when a thoughtful risk creates durable value—even if the original plan changes along the way.
10
Parallel-path preservation
Keep a declined future warm through synthetic practice, reserved credentials, and conditional agreements so choosing one life does not instantly erase every other.
11
Identity continuity cover
Protect the parts of your routine, community, and self-story most likely to fracture during a major transition—not only your income.
12
Intergenerational risk mesh
Model how one choice propagates through children, caregivers, and future dependants while keeping each person’s private future separate.
Chapter 03
Share the downside
Bind forecasters, agents, insurers, and collectives to the consequences of their advice.
Featured capability · 13
Collective rescue protocol
Let trusted communities pool non-financial recovery capacity—housing, time, skills, mobility—released automatically under pre-agreed conditions.
14
Unknown-unknown reserve
Maintain a dynamically governed recovery fund for failure modes no model named, with independent agents arguing when it should unlock.
15
Insurer accountability bond
Require the forecasting agents to stake capital and reputation on their assumptions, transferring value back to you when confident guidance proves systematically wrong.
16
Future-option derivative
Insure access to a possibility—not its outcome—by preserving the skills, visas, relationships, health capacity, or geographic rights needed to choose it later.
17
Regret rehabilitation
When a protected choice fails, fund the time, relationships, narrative repair, and supervised experiments required to trust your own judgment again.
18
Model disagreement market
Require independent forecasting systems to price their dissent, exposing where apparent certainty is merely several agents sharing the same blind spot.
Chapter 04
Protect what money cannot
Cover consent, relationships, reputation, mobility, continuity, and future freedom.
Featured capability · 19
Climate mobility covenant
Guarantee a coordinated sequence of housing, work, schooling, care, and community continuity if a home region crosses agreed habitability thresholds.
20
Relationship transition cover
Protect shared responsibilities and individual dignity when a partnership, household, or caregiving arrangement changes in ways no financial payout can repair alone.
21
Algorithmic harm indemnity
Automatically restore lost time, access, reputation, and opportunity when a consequential automated decision is later shown to be invalid or discriminatory.
22
Recovery route auction
Invite verified recovery agents to compete on transparent plans and bonded outcomes—not persuasion—while you retain the right to reject every proposed rescue.
23
Community continuity policy
Insure the survival of local knowledge, rituals, meeting places, and mutual-aid capacity when economic or environmental shocks scatter a community.
24
Decision right-to-forget
Erase the behavioral shadow of a failed choice across participating systems so one insured experiment cannot permanently narrow future prices or permissions.
Chapter 05
Govern the unpriceable
Confront systemic harm, irreversible choices, future generations, and the risks markets should not own.
Featured capability · 25
Consent failure cover
Trigger restoration when an institution technically obtained permission but violated its meaning, compensating loss of autonomy as well as measurable financial harm.
26
Future-generation trustee
Appoint independent agents to challenge decisions whose largest risks or benefits arrive after every current decision-maker has left.
27
Synthetic evidence warranty
Insure decisions made from generated research, simulations, or reconstructed records, assigning liability when provenance or claimed fidelity later collapses.
28
Catastrophe solidarity layer
Convert correlated individual policies into automatic shared infrastructure funding when a shock is too systemic for isolated payouts to restore real safety.
29
Irreversibility meter
Continuously measure how much freedom remains after each step, escalating independent review as physical, legal, biological, reputational, or relational options close.
30
Uninsurable choice sanctuary
Provide confidential simulation, human counsel, and recovery planning for meaningful decisions that no responsible market should price or influence.
The question changes
“Will you insure this decision?”
The answer is useful even when it is no. A refusal must show the fragile assumptions, missing evidence, and changes that could make the choice insurable.
01
Describe the choice
Connect only the parts of your life that matter to the decision, with private data kept inside your personal model.
02
Stress-test the futures
Independent simulation agents try to break the plan, challenge each other, and expose where confidence is false or borrowed.
03
Choose your protection
Compare a cash safety net, a guaranteed alternative, an expert recovery team, or simply a monitored decision with no premium.
04
Live—with an exit visible
As circumstances change, the policy watches assumptions rather than surveilling you, and keeps the best off-ramp ready.
No invisible verdicts
A premium is not a measure of your worth.
Every quote would separate evidence from assumptions, show who might be underserved by the model, and provide a path to human appeal. Some meaningful choices should remain beautifully uninsurable.
Your future stays yours
Protection without behavioral control.
Coverage cannot require constant surveillance, sell your possible futures, or quietly steer you toward the insurer’s preferred life. You can delete the model, leave the policy, and take your history with you.
Confidence should have consequences
Don’t just recommend it.
Stand behind it.
We are imagining a future where AI advice becomes accountable enough to share the downside—not merely narrate it.
Return to Monthly BasisConcept only. No policy, quote, or signup is available.