@claritylabs/cl-sdk 3.0.28 → 3.0.30

package/dist/index.mjs

@@ -2983,12 +2983,47 @@ function firstMatch(nodes, patterns) {
   }
   return void 0;
 }
+var POLICY_NUMBER_PATTERNS = [
+  /\bpolicy\s*(?:number|no\.?|#)\s*:?\s*([A-Z0-9][A-Z0-9,.-]{4,}[A-Z0-9])/i,
+  /\bpolicy\s*[:#]\s*([A-Z0-9][A-Z0-9,.-]{4,}[A-Z0-9])/i
+];
+function policyNumberEvidenceScore(node) {
+  const text = normalizeWhitespace3([node.path, nodeText(node)].filter(Boolean).join(" ")).toLowerCase();
+  let score = 0;
+  if (/\b(policy\s+summary|declarations?|declaration\s+page|schedule)\b/.test(text)) score += 80;
+  if (/\b(plan|policy\s+date|insured\s+person|named\s+insured|insurance\s+amount|benefit\s+amount)\b/.test(text)) score += 35;
+  if (node.kind === "table_row" || node.kind === "table_cell" || node.kind === "text") score += 20;
+  if (node.kind === "page") score += 10;
+  if (typeof node.pageStart === "number" && node.pageStart > 1 && node.pageStart <= 10) score += 20;
+  if (typeof node.pageStart === "number" && node.pageStart === 1) score -= 30;
+  if (/\b(notices?\s+and\s+jacket|policy\s+jacket|front\s+matter|table\s+of\s+contents)\b/.test(text)) score -= 70;
+  if (node.kind === "page_group" || node.kind === "form") score -= 30;
+  return score;
+}
+function policyNumberFromNodes(nodes) {
+  const candidates = nodes.slice(0, 120).flatMap((node) => {
+    const text = nodeText(node);
+    for (const pattern of POLICY_NUMBER_PATTERNS) {
+      const value = cleanValue(text.match(pattern)?.[1]);
+      if (value) return [{ node, value, score: policyNumberEvidenceScore(node) }];
+    }
+    return [];
+  }).sort(
+    (left, right) => right.score - left.score || (left.node.pageStart ?? Number.MAX_SAFE_INTEGER) - (right.node.pageStart ?? Number.MAX_SAFE_INTEGER) || left.node.order - right.node.order
+  );
+  const candidate = candidates[0];
+  return candidate ? valueFromNode(candidate.node, candidate.value, "high") : void 0;
+}
 function inferPolicyTypes(nodes) {
   const text = nodes.slice(0, 40).map(nodeText).join(" ").toLowerCase();
   const types = [];
   const add = (pattern, type) => {
     if (pattern.test(text) && !types.includes(type)) types.push(type);
   };
+  add(/\b(life insurance|permanent life|term life|whole life|universal life|sun permanent life|sun par protector|manulife par|vitality\s*plus|death benefit)\b/i, "life");
+  add(/\b(critical illness|critical illness insurance|covered critical illness|partial benefit payout)\b/i, "critical_illness");
+  add(/\b(disability benefit|total disability|catastrophic disability|disability waiver|waiver of premium disability)\b/i, "disability");
+  add(/\b(long[-\s]?term care|long term care conversion)\b/i, "long_term_care");
   add(/\b(cyber|network security|privacy liability|data breach)\b/i, "cyber");
   add(/\b(professional liability|errors?\s*&?\s*omissions|e&o)\b/i, "professional_liability");
   add(/\b(commercial general liability|general liability|cgl)\b/i, "general_liability");
@@ -3432,10 +3467,7 @@ function buildDeterministicOperationalProfile(params) {
   const partial = {
     documentType: inferDocumentType(nodes),
     policyTypes: inferPolicyTypes(nodes),
-    policyNumber: firstMatch(nodes, [
-      /\bpolicy\s*(?:number|no\.?|#)\s*:?\s*([A-Z0-9][A-Z0-9-]{4,})/i,
-      /\bpolicy\s*[:#]\s*([A-Z0-9][A-Z0-9-]{4,})/i
-    ]),
+    policyNumber: policyNumberFromNodes(nodes),
     namedInsured: firstMatch(nodes, [
       /\b(?:named insured|insured name|insured)\s*:?\s*(.+?)(?=\s+(?:coverage|policy number|insurer|carrier|premium|effective|expiration)\b|[|;\n]|$)/i,
       /\b(?:applicant|policyholder)\s*:?\s*(.+?)(?=\s+(?:coverage|policy number|insurer|carrier|premium|effective|expiration)\b|[|;\n]|$)/i
@@ -3443,6 +3475,8 @@ function buildDeterministicOperationalProfile(params) {
     insurer: firstMatch(nodes, [
       /\b(?:insurer|carrier|company|security)\s*:?\s*([^|;\n]{3,120})/i,
       /\bunderwritten by\s+([^|;\n]{3,120})/i
+    ]) ?? firstMatch(nodes, [
+      /\b(Manulife)\b/i
     ]),
     broker: firstMatch(nodes, [
       /\b(?:broker|producer|agent)\s*:?\s*([^|;\n]{3,120})/i
@@ -10751,6 +10785,7 @@ Rules:
 - Every returned value must include sourceNodeIds or sourceSpanIds from the provided nodes.
 - If a value is not directly supported, omit it.
 - Prefer declarations, schedules, premium tables, and endorsement schedules over generic policy wording.
+- For life, critical illness, disability, and long-term care policies, keep named benefit units and benefit subconditions as operational facts even when they do not have dollar limits. Examples include death benefit, disability benefit, total disability, catastrophic disability, return of premium, waiver, and conversion options. Put subcondition details in coverages[].limits with kind "other" when they belong under a broader benefit.
 - Treat an endorsement as one coverage unit when it contains a schedule. Do not split an endorsement schedule into generic rows like "Aggregate Limit".
 - For coverage schedules, put each claim, aggregate, sublimit, retention, deductible, and retroactive date values in coverages[].limits with labels and source IDs. Keep the legacy coverages[].limit as the primary display value only.
 - Use coverageOrigin: "endorsement" for endorsement units and "core" for declarations/core policy coverage units.