Product Monitoring & Innovation Agent

@tool(
    name="calculate_embedded_value",
    description="Calculate embedded value for life insurance products",
    show_result=True,
)
def calculate_embedded_value(
    present_value_future_profits: float,
    adjusted_net_asset_value: float,
    cost_of_capital: float,
    risk_margin: float,
) -> Dict[str, Any]:
    """
    Calculate embedded value for life insurance products.

    Args:
        present_value_future_profits: PV of future profits
        adjusted_net_asset_value: Adjusted net asset value
        cost_of_capital: Cost of capital rate
        risk_margin: Risk margin amount

    Returns:
        Dictionary containing embedded value calculations
    """
    embedded_value = present_value_future_profits + adjusted_net_asset_value
    cost_of_capital_amount = embedded_value * cost_of_capital
    value_of_in_force = embedded_value - cost_of_capital_amount
    new_business_value = value_of_in_force * 0.15
    return {
        "present_value_future_profits": round(present_value_future_profits, 2),
        "adjusted_net_asset_value": round(adjusted_net_asset_value, 2),
        "embedded_value": round(embedded_value, 2),
        "cost_of_capital_rate": cost_of_capital,
        "cost_of_capital_amount": round(cost_of_capital_amount, 2),
        "value_of_in_force": round(value_of_in_force, 2),
        "risk_margin": round(risk_margin, 2),
        "new_business_value": round(new_business_value, 2),
        "key_metrics": {"embedded_value": round(embedded_value, 2), "value_of_in_force": round(value_of_in_force, 2), "new_business_value": round(new_business_value, 2)},
    }

@tool(
    name="calculate_cash_value",
    description="Calculate cash value accumulation for whole life and endowment policies",
    show_result=True,
)
def calculate_cash_value(
    policy_type: str,
    premium: float,
    policy_duration: int,
    interest_rate: float,
    expense_ratio: float,
) -> Dict[str, Any]:
    """
    Calculate cash value accumulation for life insurance policies.

    Args:
        policy_type: Type of policy(whole/endowment)
        premium: Annual premium amount
        policy_duration: Years since policy inception
        interest_rate: Annual interest rate(decimal)
        expense_ratio: Annual expense ratio(decimal)

    Returns:
        Dictionary containing cash value calculations
    """
    if policy_type.lower() not in ["whole", "endowment"]:
        return {"error": "Policy type must be 'whole' or 'endowment'"}
    net_premium = premium * (1 - expense_ratio)
    cash_value = 0.0
    cash_value_progression = []
    for year in range(1, policy_duration + 1):
        cash_value += net_premium
        cash_value *= 1 + interest_rate
        cash_value_progression.append({"year": year, "cash_value": round(cash_value, 2), "net_premium": round(net_premium, 2)})
    surrender_value = cash_value * 0.85
    return {
        "policy_type": policy_type,
        "annual_premium": premium,
        "net_premium": round(net_premium, 2),
        "interest_rate": interest_rate,
        "expense_ratio": expense_ratio,
        "current_cash_value": round(cash_value, 2),
        "surrender_value": round(surrender_value, 2),
        "cash_value_progression": cash_value_progression,
        "total_premiums_paid": round(premium * policy_duration, 2),
    }