h3ir/morbi-v022

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)

CPA Exam Topics	CFA Exam Topics
FAR - Financial Accounting	Ethics & Standards
AUD - Auditing	Quantitative Methods
REG - Regulation & Tax	Economics
BEC - Business Environment	Financial Statement Analysis
GAAP & IFRS Standards	Corporate Finance
Internal Controls	Equity & Fixed Income

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)

Bar Exam Subject	Key Topics
Contracts	UCC Article 2, Formation, Breach, Remedies
Evidence	Hearsay, Privileges, FRE Rules
Torts	Negligence, Intentional Torts, Strict Liability
Real Property	Estates, Easements, Conveyancing
Civil Procedure	Jurisdiction, Erie, Pleading, Discovery
Constitutional Law	Due Process, Equal Protection, Powers
Criminal Law	Crimes, Defenses, 4th/5th/6th Amendments

📊 Training Details

Parameter	Value
Base Model	Mistral-Small-Instruct-2409 (22B)
Training Method	QLoRA (4-bit quantization)
LoRA Rank	32
LoRA Alpha	64
Learning Rate	5e-5
Training Steps	2,000
Batch Size	8 (effective)

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

Version	Date	Changes
v0.2.2	Jan 2026	Added accounting (CPA/CFA) and legal (Bar Exam) data
v0.2.1	Jan 2026	Improved insurance responses, lower LR
v0.2.0	Jan 2026	Initial release with insurance focus

⚠️ 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