Transparency and Readability of Consumer Information (C) Working Group

2019 Charges:

The Transparency and Readability of Consumer Information (C) Working Groupwill:

  1. Study and evaluate actions that will improve the capacity of consumers to comparison shop on the basis of differences in coverage provided by different insurance carriers offering personal lines products.
  2. Systematize and improve presale disclosures of coverage.
  3. Increase consumer accessibility to different carriers’ policy forms on a presale basis. The Working Group should consider all possible avenues of accessibility, including state insurance department websites, the NAIC, insurance companies and the possibility of presale provision of complete policy language.
  4. Facilitate consumers’ capacity to understand the content of insurance policies and assess differences in insurers’ policy forms. The Working Group should consider: 1) implementing new readability rules as suggested by the Market Regulation and Consumer Affairs (D) Committee; 2) promoting consistent, clear and logical formatting and organization of all policies; and 3) any other measures that would improve the intellectual accessibility of policy forms.
  5. Develop a shopping tool for homeowners, renters and business owners on flood insurance coverage, and work with state insurance regulators to develop a standardized website and flood bulletin to assist consumers who have questions regarding flood insurance.
  6. Study and discuss whether there is a need for consumer disclosures regarding significant premium increases on property/casualty (P/C) insurance products.
  7. Update A Shopping Tool for Homeowners Insurance and A Shopping Tool for Automobile Insurance.
Related NAIC Publications


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Please see the current Committee List for a complete list of committee members.


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