insurance analytics teams

Abstract: Bridging the gap between human intent and machine logic remains a critical challenge in data access for non-technical users, yet Large Language Models (LLMs) remain unreliable: they hallucinate schema elements, generate syntactically invalid queries, or fail to capture user intent. These limitations are especially critical in domains such as insurance, where KPIs, regulatory constraints, and legacy relational systems demand high precision. We introduce a multi-agent, persona-driven NL2SQL framework that combines (1) domain relevance detection, (2) schema-grounded knowledge construction, (3) KPI-aware SQL synthesis, (4) syntax-level self-repair using sqlite execution feedback, and (5) semantic consistency checking via SQL-to-NL reverse engineering. Our system significantly reduces query hallucination and improves semantic fidelity compared to direct LLM prompting. Evaluated on 60 queries (50 from a HuggingFace text-to-SQL dataset and 10 custom domain queries), the system achieves 90% correctness using Mistral across seven coordinated LLM calls showing that this approach can substantially increase the reliability of NL2SQL pipelines in high-stakes environments.

Abstract: Human health is a continuous, dynamic trajectory shaped by the cumulative interplay of biological processes, clinical events, behaviors and environmental exposures across the life course. Unifying the full breadth of lifelong health information, including longitudinal records, genetic variation, molecular profiles and environmental histories, is essential for whole-person modeling and remains a major challenge. We introduce LifeLong Digital Twin, a unified, event-driven modeling paradigm that organizes Life Events into daily Health States and accumulates them into Lifelong Health Context. An accompanying Agent Harness incorporates multimodal evidence beyond the language model's textual context. We evaluate four language models across 25 disease endpoints on three tasks: Disease Trajectory Forecasting, Disease Risk Ranking and Multi-horizon Disease Prediction. The approach yields marked gains over the reference condition: model-averaged F1 increases by 22.0% for disease identification in trajectory forecasting and 18.3% for five-year disease outcomes; thyroid-disease F1 reaches 0.669. The framework provides a foundation for whole-person digital twins and research on personalized lifelong disease prevention.

Abstract: Motivated by the computational challenges of large-scale Cox regression, we study stochastic minimization of LogSumExp objectives over large sets. Mini-batch normalizer estimates generally yield biased gradients. We instead use a softplus surrogate that introduces one auxiliary scalar per normalizer and admits unbiased single-sample gradients. For smooth convex LogSumExp objectives, we prove an $O(T^{-1/2})$ averaged objective bound, improving the previous $T^{-1/4}$ analysis. With a strongly convex regularizer on the original variable, we also obtain a last-iterate squared-error rate of $\widetilde{O}(T^{-1})$ without strong convexity in the auxiliary variables. For Cox regression, the normalizers are defined over nested risk sets. We exploit this structure by grouping neighboring failures and sharing one auxiliary variable per group. The resulting compressed objective admits uniform score and curvature bounds that control the errors from grouping and softplus approximation. Together with the general optimization result, these bounds give a mean-square rate of $T^{-4/5}$, up to logarithmic factors, relative to the full Cox solution. The compressed estimator also matches the full estimator's asymptotic distribution. Experiments on synthetic and real survival datasets with slowly decreasing risk sets show a favorable performance relative to stochastic baselines.