Morbi v0.2.2 🏛️

Professional Domain AI for Insurance, Accounting & Legal

Overview

Morbi v0.2.2 is a fine-tuned Mistral-Small model specialized for professional domains including insurance, actuarial science, accounting (CPA/CFA), and legal (California Bar Exam). Built by HEIR for wealth management and estate planning applications.

🎯 Capabilities

📊 Insurance & Actuarial

• Life insurance products (term, whole, universal, variable)
• Health insurance (medical, dental, disability, LTC)
• Actuarial mathematics (mortality tables, interest theory, reserving)
• Risk analysis and underwriting
• Premium calculations and projections
• Regulatory compliance (state, federal, NAIC)

📈 Accounting & Finance (NEW in v0.2.2)

Financial Calculations:

• Net Present Value (NPV)
• Weighted Average Cost of Capital (WACC)
• Bond pricing and duration
• Depreciation methods
• Ratio analysis

⚖️ Legal (NEW in v0.2.2)

📊 Training Details

Dataset Composition

Total Examples: 19,374
├── Insurance/Actuarial: 19,080 (98.5%)
├── Accounting (CPA/CFA): 62 (0.3%)
├── Legal (Bar Exam): 85 (0.4%)
└── Validation: 1,068

🚀 Usage

Basic Usage

from transformers import AutoModelForCausalLM, AutoTokenizer
import torch

model = AutoModelForCausalLM.from_pretrained(
    "h3ir/morbi-v022",
    torch_dtype=torch.bfloat16,
    device_map="auto"
)
tokenizer = AutoTokenizer.from_pretrained("h3ir/morbi-v022")

# Insurance question
prompt = """<s>[INST] You are Morbi, an expert AI assistant specializing in insurance, actuarial science, accounting, and legal matters.

Calculate the present value of an annuity paying $1,000 per year for 15 years at 4% interest. [/INST]"""

inputs = tokenizer(prompt, return_tensors="pt").to(model.device)
outputs = model.generate(**inputs, max_new_tokens=500, temperature=0.7)
print(tokenizer.decode(outputs[0], skip_special_tokens=True))

Accounting Example

prompt = """<s>[INST] You are Morbi, an expert AI assistant specializing in insurance, actuarial science, accounting, and legal matters.

Explain when UCC Article 2 applies instead of common law for contracts. [/INST]"""

Legal Example

prompt = """<s>[INST] You are Morbi, an expert AI assistant specializing in insurance, actuarial science, accounting, and legal matters.

Analyze hearsay and its exceptions under the Federal Rules of Evidence. [/INST]"""

📋 Version History

⚠️ Limitations

• This model is for educational and informational purposes only
• Not a substitute for professional legal, financial, or insurance advice
• Verify all calculations and legal interpretations with qualified professionals
• May not reflect the most recent regulatory changes

🏢 About HEIR

HEIR is a wealth management and estate planning platform that combines AI with blockchain technology for inheritance planning. Morbi powers the AI swarm of professional advisors.

📄 License

Apache 2.0

📚 Citation

@misc{morbi-v022,
  author = {HEIR},
  title = {Morbi v0.2.2: Professional Domain LLM for Insurance, Accounting & Legal},
  year = {2026},
  publisher = {Hugging Face},
  url = {https://huggingface.co/h3ir/morbi-v022}
}

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Built with ❤️ by HEIR