Structural insurability.
A future is structurally insurable only if governance exists and is enforceable, system boundaries remain stable, incentives do not systematically displace harm, and failure modes remain containable.
When these conditions fail, loss modelling becomes secondary. Risk does not become high risk. It becomes non-insurable. RealityRe exists to name that transition before capital is committed.
Core conditions
Governance enforceability
Controls exist, responsibility is attributable, and intervention is possible in practice.
Boundary stability
The insured system has stable interfaces and a definable scope across time and change.
Incentive alignment
Economic and operational incentives do not systematically shift harm to others or to the future.
Containment feasibility
Failure modes can be limited and remediated before they become systemic or irreversible.
Outputs
- Structural Insurability Classifications
- Collapsed Futures Signals
- Pre-Withdrawal Indicators
- Portfolio-Level Non-Future Mapping