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MCAS 2018 - Market Conduct Annual Statement
Key 2018 MCAS Dates
December 14, 2018 Call letters to companies
Mid-January 2019 Last day to submit 2017 corrections (See FAQ Document)
March – May, 2019 MCAS training opportunities (See training information on left sidebar of this page)
April 30, 2019 MCAS submissions due for all lines of business except Health and Lender-Placed
June 30, 2019 MCAS submissions due for Lender-Placed and Health
July 1, 2019 MCAS industry scorecards posted to MCAS Web page for all lines of business except Health and Lender-Placed
September 1, 2019 MCAS industry scorecards posted to MCAS Web page for Lender-Placed and Health
New MCAS Application for 2018

The 2018 MCAS Application has been re-designed to have a new look and feel. The functionality of the application remains largely unchanged, but with modernization to the user interface. Click here to find a brief review of changes you can expect to see in the redesigned MCAS application. Be assured that csv data file layouts remains unchanged.

New for 2018 Data Year
  • The lender-placed auto and homeowners MCAS was adopted on August 9, 2017 at the NAIC Executive/Plenary session during the NAIC Summer National Meeting. Lender-placed auto and homeowners MCAS data will be collected for the first time beginning with the 2018 data year. The reporting deadline for the first filing year will be June 30, 2019.
What Do Documents Found on this Web Page Tell Me?

General Filing Information

  • Participation Requirements – Detailed information to assist in determining if your company is required to submit MCAS data


  • Data Collection Worksheets (Blanks) – Table layout representation of the required data elements
  • Data Call and Definitions (Instructions) – Listing of MCAS data elements and definitions to follow when preparing data for submission
  • MCAS User Guide – Information about how to use the MCAS application and a listing of data validations used within the application
  • CSV Data Upload Instructions – Layout guidelines for preparing a CSV file for uploading to the MCAS application (The use of a CSV file is not required.)
  • CSV Assistant Instructions – Guidance for using the CSV Assistance Files
  • CSV Assistant Files – Templates to assist in the creation of CSV data files
  • Scorecard Ratio Formulas – Listing of standard scorecard ratios calculated for each MCAS lines of business

Additional Information

  • FAQ (Frequently Asked Questions) - Contains both technical and definitional information not located in the other Help documents (Located just under the MCAS "Log In" icon) You will find answers to questions regarding:
    • Specific data elements
    • Market Conduct Contact, MCAS Administrator, and MCAS Contact
    • MCAS application
    • Waiver and extension requests
  • Participating Jurisdictions Contacts and Scorecards – Provides state MCAS contact information and links to scorecard reports produced each year to show jurisdiction-wide ratio calculations and the distribution of ratios for all companies filing an MCAS in a given jurisdiction. (Located at the top of the page under the MCAS header)

Any questions not addressed by the documents located on this page can be sent to

MCAS - The Market Conduct Annual Statement

MCAS provides market regulators with market conduct information not otherwise available for their market analysis initiatives. Companies report their data to each jurisdiction through the NAIC's on-line MCAS application. For the 2018 data year, MCAS data is collected for the following lines of business:

  • Health
  • Homeowners
  • Individual Annuity
  • Individual Life
  • Lender-Placed Auto & Homeowners
  • Long-Term Care
  • Private Passenger Auto

The Market Analysis Procedures (D) Working Group (MAPWG) is responsible for identifying new MCAS lines of business and promoting uniform analysis by applying consistent measurements and comparisons of MCAS data provided by companies. To follow the Market Analysis Procedures (D) Working Group and their discussions related to new MCAS lines of business, visit their webpage: /cmte_d_mapwg.htm.

The Market Conduct Annual Statement Blanks (D) Working Group (MCAS Blanks WG) is responsible for the MCAS content and defining the data that is collected. To follow the Market Conduct Annual Statement Blanks (D) Working Group and their discussions related to the content of MCAS lines of business, visit their webpage: /cmte_d_mcaswg.htm.

Important note – LTC and Health

The MCAS application displays an indicator for each state in which, according to your 2018 financial annual statement (FAS), you reported premium meeting the threshold requirements. The FAS LTC Reporting Forms 1 through 5 and the Supplemental Health Care Exhibit filing deadline is April 1. Therefore, the required to file (RTF) indicators will not be populated until your company has submitted the corresponding forms.    

Additionally, hybrid-LTC premium is only reported on a national basis and is not available to indicate RTF on a state basis. If your company only has hybrid-LTC business in a state, you will not see a RTF indicator. You still MUST file an MCAS regarding your hybrid-LTC business regardless of whether you have a RTF indicator on your filing matrix. Please note that the RTF indicator is only a guide. If you know you have relevant business to report, it must be reported whether or not you see a RTF indicator.


Please email questions to