What a capture-rate gap costs

The gap, priced to the rule

A capture rate is the share of deaths a book catches, the figure that holds up under examination. A match rate can read high while a real death goes unfound. Set your program and your book, and the instrument prices what the gap leaves open.

Illustrative model·Synthetic data, no real records

The shortfall

A high match rate and the liability it leaves open.

Defensibility Review

03The exposure

Book size

Average benefit

Match cadence

▲ nowceiling ▲

Mortality gap

Address gap

Counts are expected annual values across the whole book, not events in any single year. A figure below one means the modeled event happens less than once a year on average.

Input	Value	Source	Status
Scope	The illustrative inputs are set to a book in an engagement.

Every figure traced to its dated source·Same inputs reproduce the same figure

The governing rules

Each figure traced to a curated rule pack.

The matching engine is deterministic and statistical. It is not a language model. Each rule pack is practitioner-validated against the source regulation.

Regulatory basis

The sources

The practice

Three questions a book of records has to answer.

Who is the person?One record, traced to the ruleDemonstration Is the person alive?The two errors in every death matchDemonstration What are they owed?The cost of an open capture-rate gapOn this page

A match rate is a claim. A capture rate is proof.

Core Creek produces the record an examiner can follow, every disposition traced to the rule that governs it and reproducible years later. The engine is deterministic, not a language model. It earns nothing from the remediation that follows, so the only thing at stake in its reading is whether it is right.

A Defensibility Review measures the work you have already done against the rule, showing where it holds, where it does not, and what an examiner would see first. It runs inside your environment, so nothing leaves your control. The review is written for your examiner or counsel.

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