Two-minute insurance system answer

“Next.js provides the interface and Node authenticates, validates, and applies budgets. A bounded router selects policy RAG, exact claim lookup, guided intake, or staff escalation. RAG returns applicable policy evidence with citations; tools enforce customer/object permissions for current data. AI drafts and asks missing-information questions, while deterministic services control business rules, exact approval, and idempotent submission. Durable state supports pauses and recovery. I add scoped memory, safe streaming, redacted tracing, immutable business audit records, source/outcome evaluations, and per-tenant limits. I use LangGraph when branching and resumability justify it, and MCP when several approved hosts need shared tools.”