Insurance policies, etc. are complicated graphs even for a relational
database model. I am not convinced you have to use clojure's
functional data structures for these graphs. I've seen good ORM
frameworks run out of steam on insurance apps as well.
As part of the _processing_ of insurance functions, I would use the
functional structures for sure. But the full graphs (insurance
documents) themselves? Not so much.

After working with various insurance implementations, I currently
believe one of the best representations is a good graph database
(whether durable on disk or just in memory). Something like
AllegroGraph provides additional features like querying and inference
over v.large graphs.

It's real hard building insurance graph processing from scratch but
clojure can use the java API to AllegroGraph, and there are other good
open source graph/semantic systems as well.

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