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Model Laws

This comprehensive publication provides quick access to every NAIC Model Law, Regulation, and Guideline. Included with every model is a state action page that cites each state's enacted model or similar legislation. Many models also include a legislative history (Proceedings Citations) that explains why the model was adopted and why certain provisions were included.

Table of Contents, is available to guide you through the charts listed below (Related Charts: State Laws on Insurance Topics) which are included in the purchase of a Model Laws product and are made available for download via the NAIC's Account Manager. For those that do not have a subscription to the Model Laws product, individual charts are available for purchase by contacting NAIC Publications at prodserv@naic.org

Accident and Health Insurance

Model Numbers: 10-38

Accident and Health Insurance Delivery Systems

Model Numbers: 68-98

Accident and Health Insurance Group Regulation

Model Numbers: 100-126

Accident and Health Insurance Rate and Policy Standards

Model Numbers: 134-190

Accounting

Model Numbers: 200-205

  • Title Of Model

    Model #

    Related Charts:
    State Laws On Insurance Topics

  • Separate Accounts Funding Guaranteed Minimum Benefits Under Group Contracts Model Regulation

    LI-20 - Form Filing Requirements Life Insurance Policies

  • Annual Financial Reporting Model Regulation

    CA-10 - Annual and Quarterly Financial Reporting Requirements

Agents/Brokers/Producers

Model Numbers: 218-230

  • Title Of Model

    Model #

    Related Charts:
    State Laws On Insurance Topics

  • Producer Licensing Model Act

    PR-15 - Compensation Disclosure Requirements for Producers
    PR-20 - Producer Education and Examination Requirements
    PR-30 - Fingerprint Requirements for Licensing
    PR-60 - Producers' Fiduciary Responsibilities—Premiums
    PR-70 - Producers' Ability to Charge Fees and Collect Commissions

  • Prevention of Illegal MEWAs and Other Illegal Health Insurers Model Regulation

    PR-20 - Producer Education and Examination Requirements
    HA-95 - MEWAs and METs Provisions

  • Authorization for Criminal History Record Check Model Act

    PR-30 - Fingerprint Requirements for Licensing

  • Managing General Agents Act

  • Public Adjuster Licensing Model Act

    PR-20 - Producer Education and Examination Requirements
    PR-30 - Fingerprint Requirements for Licensing
    PL-40 - Adjuster Licensing Requirements
    MC-90 - State Laws on Records Maintenance

  • Title Insurance Agent Model Act

Annuities/Variable Contracts

Model Numbers: 235-278

Company Organization, Management, Securities

Model Numbers: 280-356

Examinations

Model Numbers: 385-395

Health Maintenance Organizations

Model Numbers: 430-432

  • Title Of Model

    Model #

    Related Charts:
    State Laws On Insurance Topics

  • Health Maintenance Organization Model Act

    HM-10 - Departmental Regulation of HMOs
    HM-20 - Open Enrollment Periods for HMOs
    HM-30 - HMO Net Worth and Deposit Requirements

  • Model Regulation to Implement Rules Regarding Contracts and Services of Health Maintenance Organizations

    HM-10 - Departmental Regulation of HMOs
    HM-20 - Open Enrollment Periods for HMOs
    HM-30 - HMO Net Worth and Deposit Requirements

Insider Trading and Proxies

Model Numbers: 460-500

  • Title Of Model

    Model #

    Related Charts:
    State Laws On Insurance Topics

  • An Act Concerning Insider Trading of Domestic Stock Insurance Company Equity Securities

  • Regulations Adopted Pursuant to an Act Concerning the Insider Trading of Domestic Stock Insurance Company Equity Securities

  • Regulation Regarding Proxies, Consents and Authorizations of Domestic Stock Insurers

  • Stockholders Information Supplement Schedule SIS

Insolvency

Model Numbers: 505-558

  • Title Of Model

    Model #

    Related Charts:
    State Laws On Insurance Topics

  • Risk Management and Own Risk and Solvency Assessment Model Act

  • Criminal Sanctions for Failure to Report Impairment Model Bill

  • Life and Health Insurance Guaranty Association Model Act

    IN-10 - Life and Health Guaranty Fund Laws
    IN-15 - Life and Health Guaranty Funds Triggering Provisions
    IN-50 - Health Maintenance Organization Coverage by Guaranty Associations
    TX-60 - Premium Tax Credits for Guaranty Association Assessments

  • Property and Casualty Insurance Guaranty Association Model Act

    IN-30 - Property and Casualty Guaranty Fund Laws
    IN-35 - Property and Casualty Guaranty Triggering Provisions
    TX-60 - Premium Tax Credits for Guaranty Association Assessments

  • Insurer Receivership Model Act

  • Administrative Supervision Model Act

Life Insurance

Model Numbers: 565-620

Limited Lines

Model Numbers: 628-633

Long-Term Care Insurance

Model Numbers: 640-643

Medicare Supplement Insurance

Model Numbers: 650-660

  • Title Of Model

    Model #

    Related Charts:
    State Laws On Insurance Topics

  • Medicare Supplement Insurance Minimum Standards Model Act

  • Model Regulation to Implement the NAIC Medicare Supplement Insurance Minimum Standards Model Act

    HB-50 - Genetic Testing for Insurance Coverage

  • NAIC Model Rules Governing Advertisements of Medicare Supplement Insurance with Interpretive Guidelines

Miscellaneous

Model Numbers: 665-698

Property and Casualty Insurance

Model Numbers: 700-760

Property and Casualty Insurance Rating Laws

Model Numbers: 777-777

  • Title Of Model

    Model #

    Related Charts:
    State Laws On Insurance Topics

  • Property and Casualty Commercial Rate and Policy Form Model Law (Condensed)

    PA-10 - Rate Filing Methods for Property/Casualty Insurance, Workers' Compensation, Title
    PA-15 - Form Filing Methods for Property/Casualty

Reinsurance

Model Numbers: 785-803

Standard Nonforfeiture and Valuation

Model Numbers: 805-830

Unauthorized Insurance

Model Numbers: 840-872

Unfair Trade Practices

Model Numbers: 880-920

  • Title Of Model

    Model #

    Related Charts:
    State Laws On Insurance Topics

  • Unfair Trade Practices Act

    PA-70 - Producers' Ability to Charge Fees and Collect Commissions
    MC-20 - Use of Credit Reports/Scoring in Underwriting
    MC-40 - Domestic Violence Laws
    MC-45 - Prohibitions Against Redlining and Other Geographic Discrimination

  • Model Regulation for Complaint Records to be Maintained Pursuant to the NAIC Unfair Trade Practices Act

  • Model Regulation on Unfair Discrimination in Life and Health Insurance on the Basis of Physical or Mental Impairment

  • Model Regulation on Unfair Discrimination on the Basis of Blindness or Partial Blindness

  • Unauthorized Transaction of Criminal Model Act

    CA-90 - Statutes Making the Unauthorized Transaction of Insurance a Criminal Act

  • After Market Parts Model Regulation

  • Unfair Discrimination Against Subjects of Abuse in Health Benefit Plans Model Act

  • Unfair Discrimination Against Subjects of Abuse in Life Insurance Model Act

    MC-40 - Domestic Violence Laws

  • Unfair Discrimination Against Subjects of Abuse in Disability Income Insurance Model Act

    MC-40 - Domestic Violence Laws

  • Unfair Discrimination Against Subjects of Abuse in Property and Casualty Insurance

    MC-40 - Domestic Violence Laws

  • Unfair Claims Settlement Practices Act

    MC-50 - Claims Settlement Provisions
    MC-55 - Private Rights of Action for Unfair Claims Settlement Practices

  • Unfair Property/Casualty Claims Settlement Practices Model Regulation

    MC-50 - Claims Settlement Provisions
    MC-55 - Private Rights of Action for Unfair Claims Settlement Practices

  • Unfair Life, Accident and Health Claims Settlement Practices Model Regulation

    MC-50 - Claims Settlement Provisions
    MC-55 - Private Rights of Action for Unfair Claims Settlement Practices

  • Market Conduct Record Retention and Production Model Regulation

    MC-90 - State Laws on Records Maintenance

  • Improper Termination Practices Model Act

  • Home Service Disclosure Model Act

Health Care Reform

Model Numbers: 929-929

NAIC Guidelines

Model Numbers: GDL-1077-GDL-1985

Library & Archives

Can't find what you are looking for? Visit our Library to access archived Model Laws, Regulations, and Guidelines.