Updated Week 5 with November version

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+# Contract with Evergreen Life Insurance for Lifellm
+
+**Contract Date:** January 20, 2025
+**Contract Number:** LF-2025-0012
+**Parties:**
+- Insurellm, Inc.
+- Evergreen Life Insurance Company
+
+---
+
+## Terms
+
+1. **Coverage:** Insurellm agrees to provide Evergreen Life Insurance with access to the Lifellm platform, enabling AI-powered life insurance underwriting, policy administration, and risk assessment for individual and group life policies.
+
+2. **Duration:** This agreement is effective for a period of 12 months from the contract date, with automatic renewal provisions unless terminated with 30-day written notice.
+
+3. **Payment:** Evergreen Life Insurance shall pay a monthly fee of $3,500, due by the 5th of every month for the Starter Tier package.
+
+4. **Policy Volume:** Starter Tier supports underwriting and administration for up to 2,000 active policies. Current baseline: 1,400 policies.
+
+5. **Confidentiality:** Both parties agree to maintain strict confidentiality of proprietary underwriting models, policyholder health information (PHI), and business strategies.
+
+6. **HIPAA Compliance:** Insurellm maintains full HIPAA compliance for all health data processed through the Lifellm platform.
+
+7. **Liability:** Insurellm's liability is limited to direct damages not exceeding the total fees paid in the preceding 6 months.
+
+---
+
+## Renewal
+
+Unless either party provides written notice of termination at least 30 days prior to contract expiration, this agreement automatically renews for successive 12-month terms under the same terms, subject to pricing adjustments with 60 days' advance notice (capped at 10% annual increase).
+
+---
+
+## Features
+
+Evergreen Life Insurance will receive the following Starter Tier features:
+
+1. **AI-Powered Underwriting:** Accelerated underwriting process analyzing:
+   - Medical histories and prescription databases (Milliman IntelliScript)
+   - Motor vehicle records (MVRs)
+   - Credit-based insurance scores
+   - Lifestyle and occupation risk factors
+   - Automated underwriting decisions for standard risks
+
+2. **Risk Assessment:** AI-driven mortality risk modeling considering:
+   - Age, gender, and family medical history
+   - Current health conditions and lab values
+   - Tobacco and alcohol use
+   - High-risk activities and occupations
+
+3. **Automated Policy Management:**
+   - Digital policy issuance and delivery
+   - Beneficiary management and updates
+   - Premium calculation and billing integration
+   - Coverage adjustments and conversions
+   - Policy reinstatement processing
+
+4. **Smart Document Processing:** OCR and NLP extraction from:
+   - Medical records and attending physician statements (APS)
+   - Lab results and paramedical exams
+   - Application forms
+   - Financial documentation
+
+5. **Customer Portal:** Policyholder self-service portal featuring:
+   - Policy document access
+   - Beneficiary updates
+   - Premium payment processing
+   - Coverage summary and statements
+   - Digital insurance cards
+
+6. **Regulatory Compliance:** Built-in compliance monitoring for:
+   - State insurance regulations
+   - NAIC model laws and regulations
+   - Anti-money laundering (AML) requirements
+   - Policy form approvals
+
+7. **Basic Analytics:** Standard dashboards tracking:
+   - Application submission and approval rates
+   - Average underwriting cycle time
+   - Policy persistency and lapse rates
+   - Face amount in force
+
+---
+
+## Support
+
+Insurellm commits to providing comprehensive support to Evergreen Life Insurance:
+
+1. **Onboarding:** 2-week implementation program including:
+   - System configuration and setup
+   - Training for up to 8 underwriters and administrators
+   - Integration with Evergreen's policy administration system
+   - Data migration from legacy system (up to 1,400 policies)
+
+2. **Technical Support:**
+   - Email and phone support Monday-Friday 8 AM - 6 PM EST
+   - Response time: 12 hours for critical issues, 24 hours for standard
+   - Online ticketing system for issue tracking
+   - Knowledge base and FAQ access
+
+3. **Platform Updates:**
+   - Quarterly feature releases
+   - Monthly security patches and improvements
+   - Advance notice of updates (minimum 14 days)
+   - Release notes and user documentation
+
+4. **Account Management:**
+   - Named customer success manager
+   - Semi-annual business review meetings
+   - Usage analytics and optimization recommendations
+   - Assistance with tier upgrade when volume grows
+
+5. **Compliance Support:**
+   - Annual compliance review and audit support
+   - Regulatory update notifications
+   - State insurance department filing assistance
+
+---
+
+**Signatures:**
+
+_________________________________
+**Michael Torres**
+**Title**: Chief Revenue Officer
+**Insurellm, Inc.**
+**Date**: January 20, 2025
+
+_________________________________
+**Catherine Wu**
+**Title**: Chief Underwriting Officer
+**Evergreen Life Insurance Company**
+**Date**: January 20, 2025
+
+---
+
+This agreement enables Evergreen Life Insurance to modernize their life insurance operations with AI-powered underwriting and administration technology.