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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 Project History 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.