Principlev1
Design behavioral insurance policies as if-then rules
Design behavioral insurance policies as if-then rules specifying concrete backup behaviors that preserve core function under specific disruption conditions, and rehearse backups periodically when primary behaviors are available to build familiarity.
Why This Is a Principle
This principle synthesizes habit formation (Habits as Context-Response Associations), behavior under stress (Human memory under stress and cognitive load is unreliable), need for initiating signals (Behavior requires an initiating signal to occur at a), behavior model (Behavior occurs when three elements converge simultaneously:), and implementation intentions (Implementation intentions (if-then plans) significantly) into a prescription for building behavioral redundancy. The rehearsal component is critical—insurance that's never practiced won't deploy.