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CIPR Special Reports
Studies and Special Reports

The CIPR conducts in-depth research on insurance issues to provide useful information to state regulators, policyholders, consumer advocates, industry members and other state, federal and international policymakers. This page provides access to studies, special reports, and articles on a wide range of insurance regulatory topics and concerns. Occasionally, this page will include documents from non-NAIC sources posted with the author's permission. These are provided for informational use only and their inclusion does not represent NAIC endorsement of the positions and/or facts presented by them.

Click here for an Index of available White Papers from the NAIC Store.

New Studies

Infrastructure Investments
NAIC, Center for Insurance Policy and Research and Capital Markets Bureau
Expected Release - Spring 2020

This study will focus on infrastructure investment as an asset class and the insurance industry's participation in the infrastructure market, including barriers and opportunities. We are initiating the study with a Request for Information (RFI) to gather information and input from market participants on key topics such as the definition of infrastructure, the market size for infrastructure assets, the historical credit performance of infrastructure investments, and the treatment of infrastructure investments by state insurance regulators.

A conference call, held on October 18, 2019, discussed the proposed definition for Infrastructure Investments. The presentation for the call can be accessed here: Infrastructure Definition.

Comments on the remaining sections of the RFI are due by Friday, November 22, 2019. One-on-one interviews with respondents are also being scheduled to discuss responses. Please contact Elizabeth Muroski (emuroski@naic.org) to schedule an interview.

Rising Health Care Costs: Drivers, Challenges and Solutions
NAIC, Center for Insurance Policy and Research
December 2018

CIPR Health Care Cost Drivers Second Installment
NAIC, Center for Insurance Policy and Research
August 2019

CIPR Health Care Cost Brief 
NAIC, Center for Insurance Policy and Research
August 2019


Past Studies

Flood Risk and Insurance
NAIC, Center for Insurance Policy and Research
April 2017

Private-Label Mortgage Securitization Market Challenges and the Implications for Insurers and Insurance Regulation
NAIC, Center for Insurance Policy and Research
December 2016

The State of Long-Term Care Insurance: The Market, Challenges and Future Innovations
NAIC, Center for Insurance Policy and Research
May 2016

Usage-Based Insurance and Vehicle Telematics: Insurance Market and Regulatory Implications
NAIC, Center for Insurance Policy and Research
March 2015

CIPR Study on the State of the Life Insurance Industry: Implications of Industry Trends 
NAIC, Center for Insurance Policy and Research
August 2013

Financing Home Ownership: Origins and Evolution of Mortgage Securitization, Public Policy,
Financial Innovations and Crises

NAIC, Center for Insurance Policy and Research
August 2012

Distinguished Scholar Study: Solvency II Calibration
Thomas Herzog, Ph.D., Distinguished Scholar
NAIC, Center for Insurance Policy and Research

Systemic Risk and the U.S. Insurance Sector
Mary A. Weiss, Ph.D., Distinguished Scholar
NAIC, Center for Insurance Policy and Research

The Economic Crisis and Lessons from (and for) U.S. Insurance Regulation
Therese M. Vaughan, Ph.D.
JIR Articles do not necessarily reflect the opinion of the NAIC or its Members.

Preservation of State-Based Insurance Regulation: An Ongoing Challenge in the U.S. and the European Union 
Robert W. Cooper., Ph.D.
JIR Articles do not necessarily reflect the opinion of the NAIC or its Members.

The Financial Crisis, Systemic Risk, and the Future of Insurance Regulation
Scott E. Harrington, Ph.D.
(Posted with permission from the National Association of Mutual Insurance Companies)

Future of Business Disciplines, Regulation and Oversight of the U.S. Insurance Marketplace
Mark Boozell
(Posted with permission from the Professional Insurance Agents Insurance Foundation)

History of State Insurance Regulation
NAIC