2023 Membership

2023 Adopted Charges

The mission of the Special (EX) Committee on Race and Insurance is to serve as the NAIC’s coordinating body on identifying issues related to: 1) race, diversity, and inclusion within the insurance sector; 2) race, diversity, and inclusion in access to the insurance sector and insurance products; and 3) practices within the insurance sector that potentially disadvantage people of color and/or historically underrepresented groups.

The Special (EX) Committee on Race and Insurance will:

1. Serve as the NAIC’s coordinating body on identifying issues related to: 1) race, diversity, and inclusion within the insurance sector; 2) race, diversity, and inclusion in access to the insurance sector and insurance products; and 3) practices within the insurance sector that potentially disadvantage people of color and/or historically underrepresented groups.
2. Coordinate with existing groups such as the Innovation, Cybersecurity, and Technology (H) Committee, Big Data and Artificial Intelligence (H) Working Group and the Casualty Actuarial and Statistical (C) Task Force and encourage those groups to continue their work on issues affecting people of color and/or historically underrepresented groups, particularly in predictive modeling, price algorithms, and artificial intelligence (AI).
3. Receive updates on recommendations on action steps state insurance regulators and companies can take to improve the level of diversity and inclusion in the industry.
4. In coordination with the Executive (EX) Committee, receive reports on NAIC diversity, equity, and inclusion (DE&I) efforts. Serve as the coordinating body for state requests for assistance from the NAIC related to DE&I efforts.
5. Receive reports from the Member Diversity Leaders Forum concerning best practices among state insurance departments on DE&I efforts.
6. Continue research and analysis of insurance, legal, and regulatory approaches to addressing unfair discrimination, disparate treatment, proxy discrimination, and disparate impact. Make recommendations for statutory or regulatory changes and additional steps, including:
   1. (Life Workstream) The impact of traditional life insurance underwriting on traditionally underserved populations, considering the relationship between mortality risk and disparate impact.
   2. (Property/Casualty Workstream) Developing analytical and regulatory tools to assist state insurance regulators in defining, identifying, and addressing unfair discrimination in property/casualty (P/C) insurance, including issues related to:
      1. Rating and underwriting variables, such as socioeconomic variables and criminal history, including:
         1. Identifying proxy variables for race.
         2. Correlation versus causation, including discussion of spurious correlation and rational explanation.
         3. Potential bias in underlying data.
         4. Proper use of third-party data.
      2. Disparate impact considerations.
7. (Life, Property/Casualty and Health Workstreams) Consider enhanced data reporting and record-keeping requirements across product lines to identify race and other sociodemographic factors of insureds, including consideration of legal and privacy concerns. Consider a data call to identify insurance producer resources available and products sold in specific ZIP codes to identify barriers to access.
8. Continue research and analysis related to insurance access and affordability issues, including:
   1. (Life Workstream Four) The marketing, distribution, and access to life insurance products in minority communities, including the role that financial literacy plays.
   2. (Life Workstream) Disparities in the number of cancellations/rescissions among minority policyholders.
   3. (Health Workstream) Measures to advance equity through lowering the cost of health care and promoting access to care and coverage, with a specific focus on measures to remedy impacts on people of color, low income and rural populations, and historically marginalized groups, such as the LGBTQ+ community, individuals with disabilities, and Alaska Native and other Native and Indigenous people.
   4. (Health Workstream) Examination of the use of network adequacy and provider directory measures (e.g., provider diversity, language, and cultural competence) to promote equitable access to culturally competent care.
   5. (Health Workstream) Conduct additional outreach to educate consumers and collect information on health and health care complaints related to discrimination and inequities in accessing care.
   6. (Property/Casualty Workstream) Whether steps need to be taken to mitigate the impact of residual markets, premium financing, and nonstandard markets on historically underrepresented groups.
   7. Make referrals for the development of consumer education and outreach materials, as appropriate.

NAIC Support Staff: Andrew J. Beal/Michael F. Consedine

Workstreams

Workstream One:
Research / analyze level of diversity and inclusion within the insurance industry. Make recommendations on action steps.

Co-Chairs:  Doug Ommen (IA)
                     Karima M. Woods (DC)

Members:

1. Mark Fowler (AL)
2. Alan McClain (AR)
3. Ricardo Lara (CA)
4. Andrew N. Mais (CT)
5. Dean L. Cameron (ID)
6. Dana Popish Severinghaus (IL)
7. Amy L. Beard (IN)
8. James J. Donelon (LA)
9. Timothy N. Schott (ME)
10. Chlora Lindley-Myers (MO)
11. Mike Causey (NC)
12. Elizabeth Keller Dwyer (RI)
13. Larry D. Deiter (SD)
14. Jonathan T. Pike (UT)
15. Allan L. McVey (WV)
16. Jeff Rude (WY)

NAIC Staff Support: Brooke Stringer / Taylor Walker

Workstream Two:
Research / analyze level of diversity and inclusion within the NAIC and state insurance regulator community.  Make recommendations on action steps.

Co-Chairs:  Sharon P. Clark (KY)
                     Glen Mulready (OK)

Members: 

1. Mark Fowler (AL)
2. Lori K. Wing-Heier (AK)
3. Dean L. Cameron (ID)
4. Dana Popish Severinghaus (IL)
5. Vicki Schmidt (KS)
6. James J. Donelon (LA)
7. Chlora Lindley-Myers (MO)
8. Mike Chaney (MS)
9. Eric Dunning (NE)
10. Marlene Caride (NJ)
11. Barbara D. Richardson (NV)
12. Judith L. French (OH)
13. Andrew R. Stolfi (OR)
14. Scott A. White (VA)
15. Mike Kreidler (WA)
16. Jeff Rude (WY)

NAIC Staff Support: Holly Weatherford / Olivea Myers / Kay Noonan

Workstream Three:
Examine and determine which practices or barriers exist in the insurance sector that potentially disadvantage people of color and/or historically underrepresented groups in the Property and Casualty line of business. Make recommendations on action steps.*

Co-Chairs:  Lori K. Wing-Heier (AK)
                     Barbra D. Richardson (NV)

Members: 

1. Mark Fowler (AL)
2. Alan McClain (AR)
3. Evan G. Daniels (AZ)
4. Andrew N. Mais (CT)
5. Karima M. Woods (DC)
6. Colin M. Hayashida (HI)
7. Doug Ommen (IA)
8. Amy L. Beard (IN)
9. Vicki Schmidt (KS)
10. Gary D. Anderson (MA)
11. Kathleen A. Birrane (MD)
12. Anita G. Fox (MI)
13. Grace Arnold (MN)
14. Michael Wise (SC)
15. Cassie Brown (TX)
16. Scott A. White (VA)
17. Mike Kreidler (WA)
18. Allan L. McVey (WV)

NAIC Staff Support: Aaron Brandenburg

Workstream Four:
Examine and determine which practices or barriers exist in the insurance sector that potentially disadvantage people of color and/or historically underrepresented groups in the Life Insurance and Annuities lines of business. Make recommendations on action steps.*

Co-Chairs:  Marlene Caride (NJ)
                    Judith L. French (OH)

Members:

1. Mark Fowler (AL)
2. Evan G. Daniels (AZ)
3. David Altmaier (FL)
4. Doug Ommen (IA)
5. Kathleen A. Birrane (MD)
6. Timothy N. Schott (ME)
7. Anita G. Fox (MI)
8. Grace Arnold (MN)
9. Eric Dunning (NE)
10. Michael Wise (SC)
11. Cassie Brown (TX)

NAIC Staff Support: Jennifer Cook

Workstream Five:
Examine and determine which practices or barriers exist in the insurance sector that potentially disadvantage people of color and/or historically underrepresented groups in the Health Insurance line of business.  Make recommendations on action steps.*

Co-Chairs: Kathleen A. Birrane (MD)
                    Grace Arnold (MN)

Members:

1. Ricardo Lara (CA)
2. Michael Conway (CO)
3. Andrew N. Mais (CT)
4. Karima M. Woods (DC)
5. Coin M. Hayashida (HI)
6. Amy L. Beard (IN)
7. Sharon P. Clark (KY)
8. Anita G. Fox (MI)
9. Andrew R. Stolfi (OR)
10. Michael Humphreys (PA)
11. Cassie Brown (TX)
12. Jonathan T. Pike (UT)
13. Mike Kreidler (WA)
14. Allan L. McVey (WV)

NAIC Staff Support: Brian Webb / Jolie Matthews

* Note: For Workstreams Three – Five, there may be a coordination issue with existing NAIC groups, i.e., Innovation, Cybersecurity, and Technology (H) Committee, Big Data Artificial Intelligence (H) Working Group, Cybersecurity (H) Working Group, E-Commerce (H) Working Group, Innovation in Technology and Regulation (H) Working Group, and Privacy Protections (H) WG, etc.