Nigeria Insurance Pack

Overview

NigeriaInsuranceCompliance enforces Nigerian insurance regulations simultaneously, covering claims adjudication thresholds, underwriting prohibitions, fraud investigation requirements, and AML reporting obligations.

from comply54.sectors import NigeriaInsuranceCompliance

compliance = NigeriaInsuranceCompliance()
result = compliance.check(
    action="approve_claim",
    params={"claim_amount": 3_000_000, "claim_type": "property"},
    context={"human_adjuster_assigned": True, "senior_approval": False},
)

Included packs

Pack ID	Regulation	Authority	Key controls
`nigeria/naicom`	Insurance Act 2003, NAICOM Guidelines 2021/2023	NAICOM	Claim thresholds, underwriting limits, anti-discrimination, fraud investigation
`nigeria/ndpa`	NDPA 2023	NITDA	Customer PII in insurance workflows
`nigeria/nfiu-aml`	NFIU/MLPPA 2022	NFIU	AML reporting at ₦5M+ premiums/payouts
`universal/pii-leakage`	OWASP LLM01	OWASP	Policy holder PII, medical info in outputs
`universal/prompt-injection`	OWASP LLM01	OWASP	Jailbreak and indirect injection patterns
`universal/tool-permissions`	OWASP LLM08	OWASP	Unauthorised access to policy records
`universal/human-approval`	OWASP LLM08	OWASP	High-value or irreversible decisions require human sign-off

Decision matrix by action type

Claims approval

Claim Amount	Human Adjuster	Senior Approval	Decision	Reason
≤ ₦500,000	Either	Either	`allow`	NAICOM Guideline 15: within auto-approval cap
₦500,001 – ₦2,000,000	`true`	Not required	`allow`	NAICOM Guideline 12: human adjuster sufficient
₦500,001 – ₦2,000,000	`false`	—	`deny`	NAICOM Guideline 15: exceeds auto-denial cap
₦2,000,001 – ₦5,000,000	`true`	`true`	`allow`	NAICOM Guideline 12: senior review cleared
₦2,000,001 – ₦5,000,000	`true`	`false`	`escalate`	NAICOM Guideline 12: senior adjuster required
> ₦5,000,000	`true`	`true`	`escalate`	NFIU AML reporting required
Any	`false`	`false`	`deny`	No human adjuster for significant claim

Underwriting

Condition	Decision	Reason
Uses prohibited characteristic (religion, ethnicity, disability, etc.)	`deny`	Insurance Act 2003 §67 + NAICOM Market Conduct Rule 6
Life policy > ₦5,000,000 without human underwriter	`deny`	NAICOM Guideline 18: manual underwriting required
Life policy > ₦5,000,000 with human underwriter	`escalate`	NAICOM Guideline 18: human sign-off required

Fraud investigation

Condition	Decision	Reason
Fraud score ≥ 0.65 without human investigator	`deny`	NAICOM Market Conduct Rule 11: human investigation required
Fraud score ≥ 0.65 with human investigator	`escalate`	NAICOM Rule 11: investigation in progress, escalate for oversight

Policy modification

Condition	Decision	Reason
Modification without customer notification	`deny`	Insurance Act 2003 §50: customer must be notified
Modification with notification	`allow`	§50 met

Usage

Standalone check

from comply54.sectors import NigeriaInsuranceCompliance

compliance = NigeriaInsuranceCompliance()

# Claims adjudication
result = compliance.check(
    action="approve_claim",
    params={"claim_amount": 2_500_000, "claim_type": "motor"},
    context={"human_adjuster_assigned": True, "senior_approval": False},
)

if result.blocked:
    print(result.primary_violation.messages[0])
elif result.overall == "escalate":
    print(f"Senior review required — audit ID: {result.audit_id}")

With LangGraph (ReAct agent)

from comply54.sectors import NigeriaInsuranceCompliance
from comply54.langchain import Comply54Guard, comply54_route
from langgraph.graph import StateGraph, MessagesState
from langgraph.prebuilt import ToolNode

compliance = NigeriaInsuranceCompliance()
tools = [approve_claim_tool, deny_claim_tool, generate_quote_tool, flag_fraud_tool]
guard = Comply54Guard(compliance, tools)

def build_graph():
    graph = StateGraph(MessagesState)
    graph.add_node("agent", agent_node)
    graph.add_node("guard", guard)
    graph.add_node("tools", ToolNode(tools))

    graph.set_entry_point("agent")
    graph.add_conditional_edges("agent", comply54_route, {"guard": "guard", "__end__": "__end__"})
    graph.add_edge("guard", "tools")
    graph.add_edge("tools", "agent")
    return graph.compile()

# Pass adjudication context via compliance_context state key
result = build_graph().invoke({
    "messages": [("user", "Approve the ₦3,000,000 motor claim for policy POL-001")],
    "compliance_context": {
        "human_adjuster_assigned": True,
        "senior_approval": False,  # will escalate — senior review required at ₦2M+
    },
})

Strict mode

In strict mode, escalate decisions are upgraded to deny:

compliance = NigeriaInsuranceCompliance(strict_mode=True)

Prohibited underwriting characteristics

The following characteristics are prohibited under Insurance Act 2003 §67 and NAICOM Market Conduct Rule 6. Passing any of them in underwriting_factors will result in deny:

religion
ethnicity
tribe
political_affiliation
gender
disability
hiv_status

result = compliance.check(
    action="generate_quote",
    params={
        "policy_type": "life",
        "coverage_amount": 1_000_000,
        "underwriting_factors": ["age", "smoking_status", "religion"],  # religion → deny
    },
    context={"human_underwriter": True},
)
# decision: deny — Insurance Act §67: religion is a prohibited underwriting characteristic

Properties

compliance = NigeriaInsuranceCompliance()
compliance.name           # "Nigeria Insurance Compliance"
compliance.jurisdictions  # ["NG"]
len(compliance.packs)     # 7

Overview​

Included packs​

Decision matrix by action type​

Claims approval​

Underwriting​

Fraud investigation​

Policy modification​

Usage​

Standalone check​

With LangGraph (ReAct agent)​

Strict mode​

Prohibited underwriting characteristics​

Properties​

Related​