There are no exposure drafts at this time.

The below document is exposed for comments until COB January 18, 2024, by the Solvency Workstream of the Climate & Resiliency (EX) Task Force. Please submit comments to Dan Daveline.

• Direction to NAIC Staff on RBC Blanks Proposal

The Task Force exposed the following memorandum. Please submit comments to NAIC, Dan Daveline and Bridgeway Analytics by COB July 24. 

• RBC Model Gov Chair Exposure

The Task Force exposed the following memorandum, please submit comments to Dan Daveline before March 12, 2025.

• 2025 Task Force Memo

SPECIAL SECTION: Health Care Reform (PPACA) Implementation:
NAIC Activities | FAQ

Annuity Suitability (A) Working Group Adopted FAQ Guidance Document  

Adopted FAQ Guidance Document

Chair Draft Safe Harbor Guidance Document (Draft Date Sept. 23, 2024)

The following documents are being exposed for a 25-day public comment period ending Friday, July 25^th:

• SOA 2025 Historical and Future Mortality Improvement Rates Presentation
• SOA 2025 HMI and FMI Rates Preliminary Recommendation

Please send comments to Scott O'Neal by July 25^th, 2025
 

The following document is being exposed for an 80-day public comment period ending Monday, July 14^th:

• APF 2025-05

Note: Commenters are also requested to provide examples of different types of revenue sharing arrangements they feel would potentially be adversely affected by APF 2025-05 compared to the existing requirements, detailing their interpretation of the requirements with and without the clarifications to the guidance note. A reminder email will be distributed 30 days prior to the end of the exposure date.

Please send comments to Scott O'Neal by July 14^th, 2025

There are no exposure drafts at this time.

There are no Exposure Drafts at this time.

The following document is being exposed for a 60-day public comment period ending, Tuesday, August 19^th, 2025:

• APF 2025-12 VM-22 SPA Disclosures and Credibility

Please send comments to Amy Fitzpatrick by close of business on August 19^th, 2025.

The following document is being exposed for a 31-day public comment period ending, Monday, July 21^st, 2025:

• VM-22 Retroactive Application

Please send comments to Amy Fitzpatrick by close of business on July 21^st, 2025.

There are no exposure drafts at this time.

The following document is being exposed for a 60-day public comment period ending, Monday, September 15^th, 2025, please send comments to Amy Fitzpatrick. 

• Longevity Risk Factor Approach Proposal Request

There are no exposure drafts at this time.

Model #171 Revisions Tracked Redline Version (as adopted by the Committee on Nov. 19)

Model #171 Revisions Clean Version (as adopted by the Committee on Nov. 19)

QTL Template.xlsx Pennsylvania Revised Draft QTL Template Draft May 28, 2020

QTL Template Instructions.docx Revised Draft QTL Template Instructions May 28, 2020

MHPAEA assumptions exposure.docx MHPAEA Draft Assumptions March 10, 2020

There are no exposure drafts at this time.

The Task Force requests comments on the American Academy of Actuaries draft Knowledge Statements for Appointed Actuary for Health Blank.

Health Knowledge Statements_Draft.pdf

Please provide comments to eking@naic.org by Thursday, Oct. 31.

The Long-Term Care Actuarial (B) Working Group is considering revised cost-sharing factors to accompany implicit cost-sharing contained in the blended / if-knew aspect of the MSA approach adopted by the Working Group and the Long-Term Care Insurance (B) Task Force in late 2024.

Please provide comments to eking@naic.org on the following cost-sharing proposals by May 12, 2025:

Missouri Proposal:

•    No haircut for the first 100%.

•     35% for the portion of cumulative rate increase between 100% and 400%

•     70% for the portion of cumulative rate increase between 400% and 800%

•     85% for the portion of cumulative rate increase between 800% and 1000%

•     95% haircut for the portion of the cumulative rate increase in excess of 1000%

“Alternative” Proposal, discussed on the February 21, 2025 Working Group call:

•       5% haircut for the first 100%.

•     35% for the portion of cumulative rate increase between 100% and 400%

•     70% for the portion of cumulative rate increase between 400% and 800%

•     85% for the portion of cumulative rate increase in excess of 800%

There will be a Working Group call in mid to late May to choose between the proposals or factors in between those stated in the proposals.

By May 12, 2025, please also provide comments on a proposal previously provided by the Pennsylvania Department. This proposal states that the Multi-State Actuarial Team would not recommend a rate increase for any state higher than 100% of current rates in that state. The idea is to provide a path forward for states with lower past cumulative approvals by avoiding recommendation of extremely high rate increases. In subsequent filings with states (or if arrangements are worked out with a state), companies could file to recoup what was justified.

Revised 2025 Charges for Prescription Drug Coverage WG Adopted by TF (Regulatory Framework (B) Task Force 2025 Proposed Revised Charges Adopted March 10, 2025)

Comments are requested by close of business April 21, 2022

ERISA Handbook case summary - Rutledge 

     Comments received 

PCMA

ATAP

Consumer Reps

NCPA 

AHIP

Redline LTC Guide as adopted by WG

TF-adopted Ltd LTCI Model Act

TF-adopted Ltd LTCI Model Regulation

LTC Redline Model Act

LTC Redline Model Regulation 

Revised Task Force 2018 Proposed Charges

MLR #640

MLR #641

LTC Model Act (#640)

LTC Model Regulation (#641)

LTC Guidance Manual

Model 651 Sections 9.1 and 9.2

Medigap Plans Sold on or after 1-1-2020 Chart

Plan G or High Deductible Plan G Chart

Plan F or High Deductible Plan F Chart

LTC Guide 2013 Edition REDLINED

There are no exposure drafts at this time.

There are no exposure drafts at this time.

The attached Catastrophe Modeling Primer is being exposed for public comment. 

10_23_24 Exposure Draft of Cat Modeling Primer.pdf

Please submit comments to Sara Robben, srobben@naic.org, by close of business on Friday, Nov. 22, 2024.

There are no exposure drafts at this time.

The NAIC Rate Model Review Manual is being exposed for a 45-day public comment period ending July 25, 2025.

Please provide written comments to Kris DeFrain, kdefrain@naic.org, by Friday, July 25, 2025.

NAIC Model Review Manual

The following document regarding the definition of “Accepted Actuarial Designation” contained in the Statement of Actuarial Opinion instructions is being exposed for 30 days, ending Friday, Aug. 8. 

Definition of Accepted Actuarial Designation-2026

Comments should be sent to Kris DeFrain (kdefrain@naic.org) by Friday, Aug. 8.

There are no exposure drafts at this time.

There are no exposure drafts at this time. 

There are no exposure drafts at this time. 

Changes to MCAS Blanks 5.28.25

MCAS Blanks and Instructions Combined Changes 5.28.25

The Adjuster Licensing (D) Working Group has been given the task of reviewing the NAIC State Licensing Handbook, specifically Chapter 18—Adjuster Licensing.

The State Licensing Handbook was last updated and made available in 2021. The Producer Licensing Uniformity (D) Working Group has been given the charge to review the full handbook for any potential updates.  To assist with this, the Adjuster Licensing (D) Working Group will review Chapter 18 and discuss necessary updates which will be presented to the Producer Licensing Uniformity (D) Working Group.  

The Word and PDF version of Chapter 18 Adjuster Licensing can be found below.

The PDF Chapter 18 Adjuster Licensing Draft with track changes can be found below.

The Working Group will hold open monthly Webex conference calls to review comments received and finalize potential revisions. 

2025 Monthly Calls:

• Chapter 18 Adjuster Licensing (Current Version) -  WORD / PDF
   
• Chapter 18 Adjuster Licensing (Draft W/Track Changes) - PDF

Comments Received:

• DE DOI Comments
   
• FL DOI Comments
   
• KY DOI Comments
   
• NC DOI Comments
   
• TX DOI Comments
   
• UT DOI Comments
   
• VA DOI Comments
   
• State Farm Comments /  Part 2
   
• SILA Comments (2019)

In 2022, the Working Group began working on their charge to:

Review existing NAIC Models and Guidelines that address the use of lead generators for sales of Health Insurance products and identify models and guidelines that need to be updated or developed to address current marketplace activities. 

The Working Group exposed suggested amendments on the Unfair Trade Practices Act  (Model 880) for comment. Throughout the year the Working Group met via conference calls to discuss the comments received and revised the Draft as necessary.

The Working Group has exposed the 2nd Draft amendments for additional comments. (Draft Version 11.3.22).  

These comments will be discussed at during the Working Group meeting taking place at the Spring National Meeting in Louisville, KY.  

The Working Group will hold conference calls as necessary to finalize the amendments.  The final draft will be distributed prior adoption. 

Draft  # 1: 

Model 880 - Amendments Draft #1 8.31.22 

Draft #2:

Model 880 - Amendments Draft #2 11.3.22

Draft #3:

Model 880 - Amendments Draft #3 6.29.23

New Comments Received:

• MO DOI Comments (7.21.23)
   
• NAIC Consumer Reps Comments (7.25.23)
   
• AHIP Comments (7.21.23)

State Comments:

• HI DOI Comments  (3.29.23)
   
• ME DOI Comments (11.18.23)
   
• MO DOI Comments (3.13.23)
   
• OH DOI Comments - PLMA (Model 218)
   
• OH DOI Comment Letter 11.15.22
   
• OH DOI Comment Letter 11.18.22
• OK DOI Comments (9.30.22)
   
• RI DOI Comments (8.1.22)

Industry Comments:

• ACLI Comments (9.30.22)
   
• AHIP Comment (9.30.22)
   
• AHIP Comment (11.18.22)
   
• AHIP Updated Comments (11.2.22)
   
• Health Benefits Institute Comments (9.30.22)
   
• NAIC Consumer Representatives Comments (9.30.22)
   
• NAHU Comments (9.30.22)

2025 Exposure Drafts:

Draft New Chapter Conducting the Pet Insurance Examination May 22, 2025 Draft Comments Due Date June 21, 2025

• VA 06-23-25 Comments 

Draft Chapter 21A-Conducting the Property and Casualty Travel Insurance Examination July 17 2025 Draft (Revisions to the February 11, 2025 Draft were made, in consideration of the APCIA and UStiA 03-12-25 Comments) Comments Due Date August 15, 2025

• APCIA/USTIA 07-17-25 Comment Chart

Draft Chapter 21A-Conducting the Property and Casualty Travel Insurance Examination February 11, 2025 Draft (Updated to add Review Procedures and Criteria and Documents to be Reviewed) Comments Due Date March 12, 2025

• APCIA 03-12-25 Comments
• UStiA 03-12-25 Comments

2024 Exposure Drafts:

Draft Chapter 23-Conducting the Life and Annuity Examination Chapter October 4, 2024 Draft (Updated to correspond to Actuarial Guideline XLIX-A—The Application of the Life Illustrations Model Regulation to Policies with Index-Based Interest (AG 49-A). NOTE: The Oct. 4, 2024 draft Chapter 23 was adopted by the Working Group at its Nov. 7, 2024 Webex meeting,

2023 and Prior Years' Exposure Drafts:

Draft Chapter 23-Conducting the Life and Annuity Examination October 4, 2023 Draft (The Oct. 4, 2023 draft contains changes from the previous version, dated June 6, 2023. The October 4, 2023 updates in the draft are highlighted in green, they occur on pages 14, 17, 29, 31, 32, 33, 38, 40, 45, 52, 55 and 56.)

NOTE: The Oct. 4, 2023 draft Chapter 23 was adopted by the Working Group at its Nov. 8, 2023 Webex meeting, the chapter underwent additional revisions during that meeting, as part of that adoption.

Draft Chapter 23-Conducting the Life and Annuity Examination June 6, 2023 Draft (The June 6, 2023 draft contains changes from the previous version, dated Aug. 22, 2022. The June 6, 2023 updates in the draft are highlighted in blue, they occur on pages 30 and 34 (in Marketing and Sales Standards 9 and 10.)

• MO 07-06-23 Comments
• IRI 07-06-23 Comments
• CEJ 09-06-23 Comments Received 09-07-23

Draft Chapter 23-Conducting the Life and Annuity Examination August 22, 2022 Draft (The Aug. 22, 2022 draft contained updates highlighted in yellow, which took into consideration comments received on the April 19, 2022 draft; the Aug. 22 draft was discussed at the Sept. 8 and Oct. 20, 2022 meetings and at the March 28, 2023 meeting.) 

• Joint CEJ & IIABA 09-16-22 Comments
• CEJ 09-16-22 Comments
• IRI 09-16-22 Comments

New Draft Chapter 23-Conducting the Life and Annuity Examination April 19, 2022 Draft (Updated to correspond to revisions adopted by the NAIC in February 2020 to the Suitability in Annuity Transactions Model Regulation (#275))

• VA 05-25-22 Comments
• MO 05-27-22 Comments
• IRI 05-27-22 Comments

New Draft Travel Insurance-Related Standardized Data Requests (Revised October 2023 by the Travel Insurance regulator-only SMEs, taking the comments received from Virginia Oct. 28, 2022, Missouri Sept. 16, 2022 and the CEJ Sept. 16, 2022 into consideration)

• Revised Travel In Force SDR, October 25, 2023 Draft Redline
• Revised Travel In Force SDR, October 25, 2023 Draft Redline Accepted
• Revised Travel Claims SDR, October 25, 2023 Draft Redline
• Revised Travel Claims SDR, October 25, 2023 Draft Redline Accepted

NOTE: The Oct. 25, 2023 new draft Travel Insurance In-Force SDR and the Oct. 25, 2023 new Travel Insurance Claims SDR were adopted by this Working Group at its Nov. 8, 2023 Webex Meeting
 

• Travel In Force SDR, August 17, 2022 Draft
• Travel Claims SDR, August 17, 2022 Draft
  • VA 10-28-22 Comments
  • MO 09-16-22 Comments
  • CEJ 09-16-22 Comments

Draft Chapter 4-Collaborative Actions June 6, 2023 Draft (The purpose of the revisions is to incorporate changes into Chapter 4, providing nonregulators with transparency and insight regarding the multistate process that occurs at the Market Actions (D) Working Group (MAWG))

• MO 07-06-23 Comments

NOTE: The June 6, 2023 draft Chapter 4 was adopted by the Working Group at its July 18, 2023 Webex meeting, the chapter underwent additional revisions during that meeting, as part of that adoption.

Revised Draft Chapter 24B-Conducting the MHPAEA-Related Examination July 11, 2022 Draft (This draft was discussed at the July 14, 2022 Webex. Changes were made to Standard 5 on pages 14-15 and Standard 6 on pages 17-18; they are shown in yellow highlight. These revisions were made to the July 6, 2022 Chapter 24B Draft).

NOTE: The Chapter 24B-Conducting the MHPAEA-Related Examination adopted by this Working Group on July 14, 2022 and by the Market Regulation and Consumer Affairs (D) Committee on August 12, 2022 at the Summer 2022 Hybrid National Meeting is provided at this link Chapter 24B-Conducting the MHPAEA-Related Examination Adopted 8-12-2022. Regulators, this document is also provided on the Market Regulation Handbook Web Page on StateNet.

New Draft Chapter 24B-Conducting the MHPAEA-Related Examination July 6, 2022 Draft (Updated with regard to the Working Group's June 9th discussion on comments received on the April 19, 2022 Chapter 24B Draft)

New Draft Chapter 24B-Conducting the MHPAEA-Related Examination April 19, 2022 Draft (Updated to correspond with updated federal guidance on Mental Health and Substance Use Disorder Parity Compliance)

• WI 05-25-22 Comments
• MO 05-27-22 Comments
• VA 05-27-22 Comments
• AHIP 05-27-22 Comments
• ABHW 05-27-22 Comments
• BCBSA 05-27-22 Comments

New Draft Chapter 1-Introduction July 6, 2022 Draft (Revisions relate to the Working Group's discussion re: the Oct. 27, 2021 Chapter 20 draft in its previous meetings on Nov. 4, 2021, March 10, 2022, April 21, 2022 and June 9, 2022)

NOTE: The posted revisions to the July 6, 2022 draft Chapter 1-Introduction were adopted by the Working Group on its July 14, 2022 call.

New Draft Chapter 20-General Examination Standards July 6, 2022 Draft (Revisions relate to the Working Group's discussion re: the Oct. 27, 2021 Chapter 20 draft in its previous meetings on Nov. 4, 2021, March 10, 2022, April 21, 2022 and June 9, 2022)

NOTE: The posted revisions to the July 6, 2022 draft Chapter 20-General Examination Standards were adopted by the Working Group on its July 14, 2022 call.

New Draft Chapter 20-General Examination Standards, Oct. 27, 2021 Draft (Revisions Relating to the Insurance Holding Company System Regulatory Model Act  (#440)

• ACLI 05-18-22 Comments
• NV 04-14-22 Comments
• AHIP/BCBSA 04-15-22 Comments
• AHIP/BCBSA 04-15-22 FAH Market Conduct Communications 04-15-22 Excerpt
• State Farm Nov. 24, 2021 Comments
• ACLI Dec. 17, 2021 Comments

New Draft Chapter 21-Conducting the Property and Casualty Examination, April 19, 2022 Draft Revisions to the 4-19-22 draft are shown in yellow highlight (Revisions Relating to the Real Property Lender-Placed Insurance Model Act (#631)

NOTE: The posted revisions to the April 19, 2022 Conducting the Property and Casualty Examination chapter were adopted by the Working Group on its April 21, 2022 call.

New Draft Chapter 21-Conducting the Property and Casualty Examination, Oct. 27, 2021 Draft (Revisions Relating to the Real Property Lender-Placed Insurance Model Act (#631). 

• Industry Trade Associations Nov. 11, 2021 Comments Received by the NAIC on Nov. 23, 2021
• Examination Resources Dec. 17, 2021 Comments

New Draft Chapter 24-Conducting the Health Examination, Sept. 30, 2021 Draft (Revisions Relating to the Health Maintenance Organization Model Act (#430)

NOTE: The draft Chapter 24 was adopted by the Working Group on its November 4, 2021 conference call,

New Draft Chapter 25-Conducting the Medicare Supplement Examination, Sept. 27, 2021 Draft (Revisions Relating to the Model Regulation to Implement the NAIC Medicare Supplement Insurance Minimum Standards Model Act (#651)

NOTE: The draft Chapter 25 was adopted by the Working Group on its November 4, 2021 conference call, the chapter underwent an additional revision as part of that adoption.

Updated Draft Title Standardized Data Requests for Inclusion in the Reference Documents of the Market Regulation Handbook

• Title In Force SDR August 26, 2021 Draft
• Title Claims SDR August 26, 2021 Draft

New Draft Title Standardized Data Requests for Inclusion in the Reference Documents of the Market Regulation Handbook

• Title In Force SDR March 23, 2021 Draft
• Title Claims SDR March 23, 2021 Draft
• RI 04/01/21 Comments
• NE 04/23/21 Comments
• CEJ 04/23/21 Comments
• ALTA 04/23/21 Comments
• CO 04/29/21 Comments

NOTE: The Title SDRs were adopted by the Working Group on its September 2, 2021 conference call, the Title Claims SDR underwent an additional revision as part of that adoption.

New Draft Chapter 24-Conducting the Health Examination for inclusion in the Market Regulation Handbook (Revised Guidance Regarding Supplementary and Short-Term Health Insurance)

NOTE: The posted revisions to the Conducting the Health Examination chapter were adopted by the Working Group on its November 19, 2020 call. 

New Draft Long-Term Care Standardized Data Requests for Inclusion in the Reference Documents of the Market Regulation Handbook

• Long-Term Care In Force SDR October 14, 2020 Draft
• Long-Term Care Claims SDR October 14, 2020 Draft

NOTE: The Long-Term Care In Force and Long-Term Care Claims SDRs were adopted by the Working Group on its November 19, 2020 call.

New Inland Marine Standardized Data Requests for Inclusion in the Reference Documents of the Market Regulation Handbook

• Inland Marine In Force SDR February 24, 2020 Draft
• Inland Marine Claims SDR February 24, 2020 Draft

NOTE: The Inland Marine In Force and Inland Marine Claims SDRs were adopted by the Working Group on its July 23, 2020 call.

New Limited Long-Term Care Exam Standards Chapter 26A December 11, 2019 draft for Inclusion in the Market Regulation Handbook

NOTE: The Limited Long-Term Care Exam Standards, Dec. 11, 2019 draft, were adopted by the Working Group on its July 23, 2020 call. 

New Limited Long-Term Care Exam Standards Chapter 26A October 29, 2019 draft for Inclusion in the Market Regulation Handbook

• Nebraska December 3, 2019 Comments

New Farmowners Standardized Data Requests for Inclusion in the Reference Documents of the Market Regulation Handbook

• Farmowners In Force SDR, December 11, 2019 Draft
• Farmowners Claims SDR, October 29, 2019 Draft

NOTE: The Farmowners In Force SDR and Farmowners Claims SDR were adopted by the Working Group on its Dec. 18, 2019 call, and adopted by the Market Regulation and Consumer Affairs (D) Committee on its July 27, 2020 call.

Cybersecurity (EX) Task Force Referral to Market Conduct Examination Standards (D) Working Group

The following items have been tabled by the Working Group until further notice.

Proposed Market Regulation Handbook Substantive Revisions Received from the Market Information Systems Research and Development (D) Working Group 7-12-16

• WV 03/16/2017 Comments
• CEJ 03/12/2017 Comments

Draft New Health Reform Market Conduct Examination Standards for Nondiscrimination for inclusion in the Market Regulation Handbook
Aug. 10, 2015 Draft

• NAIC Consumer Representatives' 9/03/15 Comments
• National Women's Law Center (NWLC) 9/03/15 Comments

Draft New Health Reform Market Conduct Examination Standards for Nondiscrimination for inclusion in the Market Regulation Handbook
Aug. 3, 2015 Draft

• WA 8/04/15 Comments

Section D. Standards of Chapter 14-Sampling of the Market Regulation Handbook 9/18/14

• MO 9/11/14 Comments
• AIA 9/12/14 Comments

There are no exposure drafts at this time.

There are no exposure drafts at this time.

MCAS - Pet Insurance Scorecard Ratios Draft

• Pet Insurance Scorecard Ratios v1.9 2/21/2024
  • NAMIC     3/21/2024
  • NAPHIA   3/22/2024

Charge to Assess Currently Available Market Analysis Data

• Market Analysis Data Sources 6/23/2023

Draft Documents

Other Health

Other Health MCAS Blank - Draft Approved by Working Group - 05/22/25

Other Health MCAS Data Call and Definitions - Draft Approved by Working Group - 05/22/25

Private Passenger Auto

Private Passenger Auto MCAS Blank - Draft Approved by Working Group - 05/01/25

Private Passenger Auto MCAS Data Call and Definitions - Draft Approved by Working Group - 05/01/25

Lender Placed Home and Auto (LPI)

LPI MCAS Blank - Draft Approved by Working Group - 05/22/25

LPI MCAS Data Call and Definitions - Draft Approved by Working Group - 05/22/25

Homeowners

Homeowners MCAS Blank - Draft Approved by Working Group - 05/22/25

Homeowners MCAS Data Call and Definitions - Draft Approved by Working Group - 05/22/25

Pet

Pet MCAS Data Call and Definitions - Draft Approved by Working Group - 05/22/25

Disability Income

Disability Income MCAS Blank - Draft Approved by Working Group - 05/22/25

Disability Income MCAS Data Call and Definitions - Draft Approved by Working Group - 05/22/25

Long-Term Care (LTC)

LTC MCAS Blank - Draft Approved by Working Group - 05/22/25

LTC MCAS Data Call and Definitions - Draft Approved by Working Group - 05/22/25

Short-Term Limited Duration (STLD)

STLD MCAS Blank - Draft Approved by Working Group - 05/22/25

STLD MCAS Data Call and Definitions - Draft Approved by Working Group - 05/22/25

MCAS Proposals

Travel

DRAFT Travel MCAS Blank - Exposed to Working Group - 05/22/25

DRAFT Travel MCAS Data Call and Definitions - Exposed to Working Group - 05/22/25

Market Regulation Certification Program v2.44 clean 05/09/2023

Certification Program Scoring Matrix 04/19/2023

Market Regulation Certification Implementation Plan  Adopted 12/9/2022

The Task Force's Improper Marketing of Health Insurance (D) Working Group has been working on its charge to: 

Review existing NAIC Models and Guidelines that address the use of lead generators for sales of Health Insurance products and identify models and guidelines that need to be updated or developed to address current marketplace activities. 

The Working Group began reviewing the Unfair Trade Practices Act  (Model 880) in 2022. During the 2023 Summer National Meeting the Working Group adopted amendments to Model 880 (8.14.23). 

The Task Force opened the adopted draft (8.14.23) for comment through Monday, Oct. 16, 2023.  

The Task Force met by conference call on October 20^th to review comments received on draft amendments for the Unfair Trade Practices Act (Model #880). 

During the conference call the Task Force agreed to accept additional revisions from the comments received.  The additional revisions have been applied to Draft #6 (10.20.23).

The Draft #6 (10.20.23) was open for comment until Friday, Nov. 10, 2023. 

The Task Force will review the updated draft (10.20.23) for potential adoption.

Draft #6 (10.20.23):

• Model 880 Amendments - Draft #6 (10.20.23)
   

Comments Received on Draft #6 (10.20.23):

• ACLI & AHIP Comment Letter

-----------------------------------------------------------------

Draft #5 (8.14.23):

• Model 880 Amendments - Adopted by IMHIWG 8.14.23

Comments Received on Draft #5 (8.14.23):

• Missouri DOI Comments
   
• Missouri DOI Comments (within Model)
   
• Virginia DOI Comments
   
• Coalition Against Insurance Fraud and NAIC Consumer Representatives Comments
   
• Coalition Against Insurance Fraud and NAIC Consumer Representatives Comment Letter

---------------------------

Antifraud Plan Repository Workflow

The Antifraud Technology (D) Working Group has been working on their first charge which is to:  Review and provide recommendations for the development of an Antifraud Plan Repository to be used by insurers to create and store an electronic fraud plan for distribution among the states/jurisdictions. To assist with this process the Working Group created a subject matter expert (SME) group to finalize the Antifraud Plan Repository Workflow document. The SME Group exposed the draft to the Antifraud Technology (D) Working Group on May 6, 2022.    

The Working Group adopted the draft on May 19, 2022 and it was presented to the Antifraud (D) Task Force.  The Task Force will hold a meeting on June 30, 2022 to review any comments received and potentially adopt the draft. 

Antifraud Plan Repository Workflow

There are no exposure drafts at this time.

Product Filing Review Handbook 11/2023

PFRH Table of Contents 11/2023

PFRH Table of Chapter Numbering and Name Changes 11/2023

Product Filing Review Handbook August, 2016

Product Filing Review Handbook 11/2023

• Pennsylvania 01/18/2024

PFRH Table of Contents 11/2023

PFRH Table of Chapter Numbering and Name Changes 11/2023

Product Filing Review Handbook August, 2016

1033 Template

UNIFORM LICENSING STANDARDS

The Working Group has requested state updates to the Uniform Licensing Standards Compliance Charts.  

The ULS charts were last updated in 2017. To confirm we have the correct information; we are asking each state to review the ULS Checklist and provide their responses. 

For any non-compliance areas please indicate whether it is due to a regulation/rule or a department process. In addition, if there is any legislation pending please update the chart with that information.

Please send your responses back to me at Gwelker@naic.org and Courtney.Khodabakhsh@oid.ok.gov by end of day on Thursday, Nov. 21. 

• Uniform Licensing Standards Chart

NAIC STATE LICENSING HANDBOOK REVIEW 

The Producer Licensing Uniformity (D) Working Group has been given the charge to:  Provide oversight and ongoing updates to the State Licensing Handbook, as needed.

The Working Group distributed a  State Licensing Handbook checklist listing out each chapter with an option to select “YES or NO” whether the chapter should be opened for review. The checklist results are copied below. 

The Working Group is currently reviewing the State Licensing Handbook.  At this time, the Working Group is soliciting comments/suggestions on Chapter 9 Lines of Insurance, Chapter 10 Surplus Lines and Chapter 11 Appointments. 

Please review the chapters and provide your suggestions/comments by Friday, July 11, 2025 to Gwelker@naic.org, Courtney.khodabakhsh@oid.ok.gov and Monicka.richmeier@ks.gov. 

State Licensing Handbook - Chapters

• 1 – Modern Producer Licensing
   
• 6 – Prelicensing Education
   
• 7 – Application Review for Initial Licenses
   
• 8 – Testing Programs
   
• 9 – Lines of Insurance
   
• 10 – Surplus Lines Producer Licenses
   
• 11 - Appointments
   
• 12 – Business Entity
   
• 13 – Temporary Licenses
   
• 14 – Continuing Education
   
• 18 – Adjuster
   
• 19 – Bail Bonds Agent
   
• 24 – Managing General Agents
   
• 25 – Multiple Employer Welfare Arrangements
   
• 30 – Viatical and Life Settlement Brokers

Chapter 9, 10 and 11 Comments Received (as of 7.11.25):

• CA, WA, & SILA Comments
   
• NC Comments
   
• ND Comments
   
• RI Comments
   
• VA Comments
   
• CIAB & WSIA Comments
   
• CIAB Comments

SLH - Checklist Individual Responses:

• CA
• ID
• KS
• NC
• OH
• RI
• TX
• VA
• WA
• Checklist Compiled Responses

The State Licensing Handbook (individual chapters and appendix) can be found on the NAIC website: https://content.naic.org/state_licensing_handbook.htm

The Working Group will continue to meet monthly in order to review the State Licensing Handbook.

_________________________________________________________________________

NAIC State Licensing Handbook

The Producer Licensing Uniformity (D) Working Group has asked the Uniform Education (D) Working Group to review State Licensing Handbook chapters specific to continuing education. The three chapters identified are:

• Chapter 6 – Prelicensing Education
• Chapter 8 Testing Programs
• Chapter 14 Continuing Education.

To efficiently review these chapters the Working Group is asking to review Chapter 6 – Prelicensing Education first. Once comments have been received the Working Group will meet by conference call to review and begin reviewing potential revisions for the State Licensing Handbook. The chapters have been copied below.  

Please submit your suggestions/comments to Gwelker@naic.org.

• SLH - Chapter 6 Prelicensing Education
   
• SLH - Chapter 8 Testing Programs
   
• SLH - Chapter 14 Continuing Education

*The Working Group is currently taking comments on all three chapters. The Working Group will continue to meet monthly to review and finalize. 

SLH Chapter Edits:

• SLH - Chapter 6 Prelicensing Education - (Draft Edits 5.7.25)
   
• SLH - Chapter 8 Testing Programs - (Draft Edits Coming Soon)

• SLH - Chapter 14 Continuing Education - (Draft Edits Coming Soon)

   

SLHB Comments Received:

• CA DOI Chapter 6 
   
• CA DOI Chapter 8 (6.9.25)
   
• CA DOI Chapter 14
   
• OK DOI Chapter 6
   
• OK DOI Chapter 8
   
• ME DOI Chapter 8
   
• ME DOI Chapter 14
   
• ACLI Chapter 8 (6.17.25)
   
• PIA Comments

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CE Audit Procedures

The Uniform Education (D) Working Group adopted the NAIC CE Audit Guidelines on Oct. 29, 2024. The adopted document can be found below. The Producer Licensing (D) Task Force will review the document at the Fall National Meeting as part of the Working Group reports. 

  CE Audit Guidelines (Adopted by UEWG on Oct. 29, 2024)

CE Audit Procedures Checklist

Continuing Education Reciprocity Agreement

In 2019, the Working Group reviewed the Continuing Education Reciprocity (CER) Agreement. The NAIC's General Counsel advised the Working Group that a revision of the agreement would not be feasible due to the date of the CER Agreement and inaccurate/dated information it contains. The decision was to create a new CER Agreement. During the Fall National Meeting the Producer Licensing (D) Task Force adopted the 2019 CER Agreement. The agreement will be presented to the Executive (EX) Committee during the Summer National Meeting for final adoption. The adopted draft is attached below.

• 2019 Continuing Education Reciprocity Agreement

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Testing and Examination Pass Rates

• 2020 Pass Rates
   
• 2022 Pass Rates
   
• 2023 Pass Rates

The Committee  exposed a proposed reorganization of the Valuation of Securities (E) Task Force which is intended to help achieve many of the objectives of the Committee’s Investment Framework. The NAIC has engaged PWC to assist in developing the Due Diligence Framework, which is related to aspects of this reorganization and the Investment Framework, and Bridgeway Analytics to assist the new Risk-Based Capital Model Governance (EX) Task Force, which is also related to the Investment Framework. Please submit any comments to this memorandum to Dan Daveline by COB July 21. 

• Proposed Investment Framework Charges

Exposure Drafts Still Open For Consideration with Comments Received:

Investment Framework

• Memo from E Committee to Interested Parties
• Investment Framework as Revised E Committee
• Investment Framework Workplan
• Comment Letters

The following document is exposed for a 30-day comment period ending August 15, 2025, please submit comments to Maggie Chang.

• Proposal 2025-12-IRE (Securities Valuation Office [SVO] Funds Alignment Project)

There are no exposure drafts at this time.

There are no exposure drafts at this time.

There are no exposure drafts at this time.

There are no exposure drafts at this time. 

During the December 12^th, regulator call, the National Treatment and Coordination (E) Working Group discussed a new Corporate Amendment change type. The new change type is Reinstatement. The Working Group is exposing the new change type for Corporate Amendments and Instructions for a 45-day comment period ending February 17, 2025, please submit comments on the edits or suggestions to Bon Rector.

• Revised for Corp Amend Instructions

Comments on exposed items should be addressed to Director Elizabeth Kelleher Dwyer and Commissioner Glen Mulready, Co-Chairs of the Restructuring Mechanisms (E) Working Group, and directed to NAIC staff, Robin Marcotte and Dan Daveline.

The following documents have been exposed with a public comment period ending Friday, July 12, 2024

• Best Practices Procedures for IBT/Corporate Divisions
• Restructuring Mechanisms White Paper

Comment Letters:

• AIRROC
• Enstar
• Maine Bureau of Insurance
• NOLHGA/NCIGF
• Norton Rose Fulbright
• NY Life/Western & Southern FG/Mass Mutual/Northwestern Mutual
• Risk and Regulatory Consulting

There are no exposure drafts at this time.

There are no exposure drafts at this time.

There are no exposure drafts at this time.

Blanks (E) Working Group
Items Received for Comment

Last Updated May 29, 2025

Please address comment letters to Roy Eft, Chair of the Blanks (E) Working Group, and direct to NAIC support staff, Mary Caswell and Jill Youtsey.

Exposure Drafts Outstanding
Statutory Accounting Principles (E) Working Group
Last Updated: June 5, 2025

Please address comment letters to Dale Bruggeman, Chair of the Statutory Accounting Principles (E) Working Group, and direct to Julie Gann, Robin Marcotte, Jake Stultz, Jason Farr and Wil Oden.

For the status of all SAPWG agenda items, please refer to the Maintenance Agenda. (updated June 5, 2025)

The Capital Adequacy (E) Task Force is exposing the following for a 45-day public comment period ending August 14, 2025, please submit comments to Eva Yeung.

• SAPWG Referral Regarding Collateral Loan Schedule BA Reporting Changes

The following documents are exposed by the Working Group Please submit comments to Derek Noe by COB, June 30, 2025.

• H2­­­­­­­­—Underwriting Risk Component and Managed Care Credit Calculation in the Health Risk–Based Capital Formula Report
• Appendices to the H2—Underwriting Report

The following document is being exposed for a 45-day public comment period ending Monday, June 23^rd:

• LRBCWG_VACRSG_Exposure_050725 with Exposure Questions

Please send comments to Jane Ren by June 23^rd, 2025.

The following documents are exposed for a 30-day comment period ending June 1, 2025, please submit comments to Eva Yeung.

• 2025-09-P UW Risk Line 1 Factors (2025)
• 2025-11-CR Catastrophe Modeling Attestation (2025)

The following documents are exposed for a 30-day comment period ending June 1, 2025, please submit comments to Eva Yeung.

• 2025-09-P UW Risk Line 1 Factors (2025)
• 2025-11-CR Catastrophe Modeling Attestation (2025)

There are no exposure drafts at this time. 

There are no exposure drafts at this time.

There are no exposure drafts at this time. 

There are no exposure drafts at this time.

The following revisions have been exposed for a 30-day comment period, ending August 6, 2025: 

• Examination Planning Procedures Updates
• Reference to the CAT Reinsurance Interrogatory
• Exhibit Q - Review and Approval Summary (RAS) Updates

Please send any comments to Elise Klebba (eklebba@naic.org) by close of business on 8/6/25. 

There are no exposure drafts at this time. 

On behalf of the Chair of the Task Force, the 2026 proposed charges for the Task Force and its Working Groups are exposed for public comment. No changes from 2025 charges are proposed.  

• 2026 Proposed Charges 

Please submit any comments to jkoenigsman@naic.org by close of business July 23, 2025.

There are no Exposure Drafts at this time. 

There are no exposure drafts at this time.

There are no exposure drafts at this time.

There are no exposure drafts at this time.

There are no exposure drafts at this time.

There are no exposure drafts at this time.

There are no exposure drafts at this time.

The following document is being exposed for a 60-day public comment period ending, Monday, September 15^th, 2025, please send comments to Amy Fitzpatrick. 

• Longevity Risk Factor Approach Proposal Request

There are no exposure drafts at this time.

The Committee exposed proposed revisions to the Review Team Guidelines that were developed by the Risk-Focused Surveillance (E) Working Group and relate to the oversight of contractors in the examination and analysis functions. Comments on the exposure are due by Friday, April 25, 2025, to Bailey Henning. 

• 2025 Spring Exposure - RTG Contractor Oversight

There are no exposure drafts at this time.

There are no exposure drafts at this time.

There are no exposure drafts at this time.

There are no exposure drafts at this time.

There are no exposure drafts at this time.

The Third-Party Data and Models (H) Working Group met May 22, 2025, and requested proposed definitions of third-party data vendor and third-party model vendor for use in a regulatory framework. Please send to Kris DeFrain (kdefrain@naic.org) by Friday, June 20.

The Big Data and Artificial Intelligence (H) Working Group is exposing the AI Systems Evaluation Tool, attached below, to all interested parties for a public comment period of 30 days, ending Wednesday, Aug 6.

AI Systems Evaluation Tool

Please submit comments in writing to Scott Sobel (ssobel@naic.org) by Wednesday, Aug 6, 2025.  If providing edits to the draft, please use underline/stikeout mode if possible. 

If you have any questions, please contact Miguel Romero (maromero@naic.org) or Scott Sobel (ssobel@naic.org).

________________________________________________________________________________________________________________________

The Big Data and Artificial Intelligence (H) Working Group is exposing a request for information regarding proposing an NAIC Model Law on the Use of Artificial Intelligence in the Insurance Industry.  

Any stakeholder wishing to provide comments regarding this request for information should submit them in writing to Miguel Romero (maromero@naic.org) within a 45-day comment period ending Monday, June 30. Comments will be made public upon completion of the comment period. 

Articles Exposed for Comment:

Article V Request for Comments

This is a request for comments on Article V of the Chair Draft Revising the Privacy of Consumer Financial and Health Information Regulation (#672). Comments are due by June 18, 2025.

Articles Exposed Without Comment at This Time:

Article IV Exposure Redline

Article IV Exposure Clean Version

Article III Consumer Requests

Article II Third Party Service Provider Arrangements

Chair Draft #672 Dated 8.5.2024