AI-Native Distribution Channel Spec

Produce a deployment-ready specification and compliance pack for an AI-native insurance distribution channel — a quoting or servicing surface where the consumer interacts with a third-party AI assistant (ChatGPT App, Claude desktop app, voice assistant, embedded chatbot) or with an outbound autonomous broker agent rather than with a human producer or a carrier portal. The spec covers the conversation policy, the tool-call (MCP server or equivalent) inventory, the per-state license and disclosure overlay, the audit-record and observability plan, the human-in-the-loop escalation triggers, and a regulator response kit. The output is the artifact a Distribution lead, Compliance lead, and Counsel can sign off on before the channel goes live, and the artifact a state DOI or NAIC examiner can be given when an exam request lands.