A Non-Invasive Pre-disease Risk Underwriting Engine: A Multi-Domain Proxy Framework with Synthetic Cohort Validation

This work presents a system-level framework for estimating pre-disease risk using non-invasive proxy variables. The model integrates behavioral, physiological, and structural signals into a composite risk engine and is validated through a synthetic cohort designed to reflect realistic correlation structures. Unlike traditional diagnostic approaches, this framework focuses on pre-disease risk accumulation and introduces a scalable method for risk stratification, attribution, and counterfactual simulation. The system is positioned as a pre-disease risk pricing layer applicable to public health screening, clinical trial stratification, and insurance underwriting.