Model Laws

Health Insurance Reserves Model Regulation

• MO-10 (PDF)
• ST-10 (PDF)
• PH-10 (PDF)

Health Carrier Prescription Drug Benefit Management Model Act

• MO-22 (PDF)
• ST-22 (PDF)
• PH-22 (PDF)

Individual Market Health Insurance Coverage Model Regulation

• MO-26 (PDF)
• ST-26 (PDF)
• PH-26 (PDF)

Standardized Health Claim Form Model Regulation

• MO-30 (PDF)
• ST-30 (PDF)

Health Carrier Claim Audit Guidelines Model Act

• MO-32 (PDF)
• ST-32 (PDF)

Individual Market Health Insurance Coverage Model Act

• MO-36 (PDF)
• ST-36 (PDF)
• PH-36 (PDF)

HB-15 - Mandated Benefits - Women's Health, Pregnancy, Fertility, Preventative Care
HB-16 - Mandated Benefits - Women's Health
HB-25 - Mandated Benefits - Mental Health
HB-27 - Mandated Benefits - Substance Abuse and Addiction
HB-50 - Genetic Testing for Insurance Coverage

Advertisements of Accident and Sickness Insurance Model Regulation

• MO-40 (PDF)
• ST-40 (PDF)

Prohibition on the Use of Discretionary Clauses Model Act

• MO-42 (PDF)
• ST-42 (PDF)
• PH-42 (PDF)

Prepaid Limited Health Service Organization Model Act

• MO-68 (PDF)
• ST-68 (PDF)
• PH-68 (PDF)

Health Care Professional Credentialing Verification Model Act

• MO-70 (PDF)
• ST-70 (PDF)

Quality Assessment and Improvement Model Act

• MO-71 (PDF)
• ST-71 (PDF)

Health Carrier Grievance Procedure Model Act

• MO-72 (PDF)
• ST-72 (PDF)
• PH-72 (PDF)

Utilization Review and Benefit Determination Model Act

• MO-73 (PDF)
• ST-73 (PDF)
• PH-73 (PDF)

Health Benefit Plan Network Access and Adequacy Model Act

• MO-74 (PDF)
• ST-74 (PDF)
• PH-74 (PDF)

Health Carrier External Review Model Act

• MO-75 (PDF)
• ST-75 (PDF)
• PH-75 (PDF)

Uniform Health Carrier External Review Model Act

• MO-76 (PDF)
• ST-76 (PDF)
• PH-76 (PDF)

Medical Professional Liability Closed Claim Reporting Model Law

• MO-77 (PDF)
• ST-77 (PDF)

The Single Health Care Voluntary Purchasing Alliance Model Act

• MO-78 (PDF)
• ST-78 (PDF)

HG-30 - Health Insurance Purchasing Alliances

The Regional Health Care Voluntary Purchasing Alliance Model Act

• MO-80 (PDF)
• ST-80 (PDF)

HG-30 - Health Insurance Purchasing Alliances

The Private Health Care Voluntary Purchasing Alliance Model Act

• MO-82 (PDF)
• ST-82 (PDF)

HG-30 - Health Insurance Purchasing Alliances

Model Health Plan for Uninsurable Individuals Act

• MO-85 (PDF)
• ST-85 (PDF)

Stop-Loss Insurance Model Act

• MO-92 (PDF)
• ST-92 (PDF)

HA-90 - Stop Loss Coverage

Discount Medical Plan Organization Model Act

• MO-98 (PDF)
• ST-98 (PDF)
• PH-98 (PDF)

Group Health Insurance Standards Model Act

• MO-100 (PDF)
• ST-100 (PDF)
• PH-100 (PDF)

HA-10 - Filing Requirements Health Insurance Forms and Rates

Group Health Insurance Mandatory Conversion Privilege Model Act

• MO-105 (PDF)
• ST-105 (PDF)
• PH-105 (PDF)

Small Group Market Health Insurance Coverage Model Act

• MO-106 (PDF)
• ST-106 (PDF)
• PH-106 (PDF)

HB-15 - Mandated Benefits - Women's Health, Pregnancy, Fertility, Preventative Care
HB-16 - Mandated Benefits - Women's Health
HB-25 - Mandated Benefits - Mental Health
HB-27 - Mandated Benefits - Substance Abuse and Addiction
HB-50 - Genetic Testing for Insurance Coverage

Nondiscrimination in Health Insurance Coverage in the Group Market Model Regulation

• MO-107 (PDF)
• ST-107 (PDF)
• PH-107 (PDF)

Group Coverage Discontinuance and Replacement Model Regulation

• MO-110 (PDF)
• ST-110 (PDF)
• PH-110 (PDF)

Coordination of Benefits Model Regulation

• MO-120 (PDF)
• ST-120 (PDF)
• PH-120 (PDF)

HA-40 - Coordination of Benefits Provisions

Small Group Market Health Insurance Coverage Model Regulation

• MO-126 (PDF)
• ST-126 (PDF)
• PH-126 (PDF)

Guidelines for Filing of Rates for Individual Health Insurance Forms

• MO-134 (PDF)
• ST-134 (PDF)

HA-10 - Filing Requirements Health Insurance Forms and Rates

Noncancelable and Guaranteed Renewable Terminology Defined

• MO-139 (PDF)
• ST-139 (PDF)

Off-Label Drug Use Model Act

• MO-148 (PDF)
• ST-148 (PDF)

HB-10 - Mandated Benefits - Other

Newborn and Adopted Children Coverage Model Act

• MO-155 (PDF)
• ST-155 (PDF)
• PH-155 (PDF)

Health Policy Rate and Form Filing Model [Act] [Regulation]

• MO-165 (PDF)
• ST-165 (PDF)
• PH-165 (PDF)

HA-10 - Filing Requirements Health Insurance Forms and Rates

Supplementary and Short-Term Health Insurance Minimum Standards Model Act

• MO-170 (PDF)
• ST-170 (PDF)
• PH-170 (PDF)

Model Regulation to Implement the Accident and Sickness Insurance Minimum Standards Model Act

• MO-171 (PDF)
• ST-171 (PDF)

Uniform Individual Accident and Sickness Policy Provision Law (UPPL)

• MO-180 (PDF)
• ST-180 (PDF)

Restatement of UPPL in Simplified Language

• MO-185 (PDF)

MC-25 - Readability Requirements

Regulation for Uniform Definitions and Standardized Methodologies for Calculation of the Medical Loss Ratio for Plan Years 2011, 2010 and 2013 per Section 2718(b) of the Public Health Service Act

• MO-190 (PDF)
• PH-190 (PDF)

Separate Accounts Funding Guaranteed Minimum Benefits Under Group Contracts Model Regulation

• MO-200 (PDF)
• ST-200 (PDF)
• PH-200 (PDF)

LI-20 - Form Filing Requirements Life Insurance Policies

Annual Financial Reporting Model Regulation

• MO-205 (PDF)
• ST-205 (PDF)
• PH-205 (PDF)

CA-10 - Annual and Quarterly Financial Reporting Requirements

Producer Licensing Model Act

• MO-218 (PDF)
• ST-218 (PDF)

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

• MO-220 (PDF)
• ST-220 (PDF)
• PH-220 (PDF)

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

Authorization for Criminal History Record Check Model Act

• MO-222 (PDF)
• ST-222 (PDF)
• PH-222 (PDF)

PR-30 - Fingerprint Requirements for Licensing

Managing General Agents Act

• MO-225 (PDF)
• ST-225 (PDF)
• PH-225 (PDF)

Public Adjuster Licensing Model Act

• MO-228 (PDF)
• ST-228 (PDF)
• PH-228 (PDF)

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

• MO-230 (PDF)
• ST-230 (PDF)
• PH-230 (PDF)

Interest-Indexed Annuity Contracts Model Regulation

• MO-235 (PDF)
• ST-235 (PDF)

Charitable Gift Annuities Model Act

• MO-240 (PDF)
• ST-240 (PDF)

Charitable Gift Annuities Exemption Model Act

• MO-241 (PDF)
• ST-241 (PDF)

Annuity Disclosure Model Regulation

• MO-245 (PDF)
• ST-245 (PDF)
• PH-245 (PDF)

LI-35 - Annuity Disclosure Provisions

Variable Annuity Model Regulation

• MO-250 (PDF)
• ST-250 (PDF)
• PH-250 (PDF)

Modified Guaranteed Annuity Regulation

• MO-255 (PDF)
• ST-255 (PDF)
• PH-255 (PDF)

LI-20 - Form Filing Requirements Life Insurance Policies

Model Variable Contract Law

• MO-260 (PDF)
• ST-260 (PDF)

Variable Life Insurance Model Regulation (includes commentary)

• MO-270 (PDF)
• ST-270 (PDF)

LI-20 - Form Filing Requirements Life Insurance Policies

Suitability in Annuity Transactions Model Regulation

• MO-275 (PDF)
• ST-275 (PDF)
• PH-275 (PDF)

PR-20 - Producer Education and Examination Requirements
LI-35 - Annuity Disclosure Provisions
LI-55 - Suitability of Sales of Life Insurance and Annuities

Model Regulation on the Use of Senior-Specific Certifications and Professional Designations in the Sale of Life Insurance and Annuities

• MO-278 (PDF)
• ST-278 (PDF)
• PH-278 (PDF)

Investments of Insurers Model Act (Defined Limits Version)

• MO-280 (PDF)
• ST-280 (PDF)

CF-50 - Limitations on Insurers' Investments

Derivative Instruments Model Regulation

• MO-282 (PDF)
• ST-282 (PDF)
• PH-282 (PDF)

CF-50 - Limitations on Insurers' Investments

Investments of Insurers Model Act (Defined Standards Version)

• MO-283 (PDF)
• ST-283 (PDF)
• PH-283 (PDF)

CF-50 - Limitations on Insurers' Investments

Disclosure of Material Transactions Model Act

• MO-285 (PDF)
• ST-285 (PDF)

Protected Cell Company Model Act

• MO-290 (PDF)
• ST-290 (PDF)

CA-80 - Captive Insurance Company Laws

Model Act on Custodial Agreements and the Use of Clearing Corporations

• MO-295 (PDF)
• ST-295 (PDF)
• PH-295 (PDF)

Model Regulation on Custodial Agreements and the Use of Clearing Corporations

• MO-298 (PDF)
• ST-298 (PDF)
• PH-298 (PDF)

Corporate Governance Annual Disclosure Model Act

• MO-305 (PDF)
• ST-305 (PDF)
• PH-305 (PDF)

Corporate Governance Annual Disclosure Model Regulation

• MO-306 (PDF)
• ST-306 (PDF)
• PH-306 (PDF)

Risk-Based Capital (RBC) Model Act

• MO-312 (PDF)
• ST-312 (PDF)
• PH-312 (PDF)

CF-20 - Capital and Surplus Requirements on Risks

Risk-Based Capital (RBC) for Health Organizations Model Act

• MO-315 (PDF)
• ST-315 (PDF)
• PH-315 (PDF)

CF-20 - Capital and Surplus Requirements on Risks

Business Transacted with Producer Controlled Property/Casualty Insurer Act

• MO-325 (PDF)
• ST-325 (PDF)
• PH-325 (PDF)

Investments in Medium Grade and Lower Grade Obligations Model Regulation

• MO-340 (PDF)
• ST-340 (PDF)

I-CF-50 - Limitations on Insurers' Investments

Redomestication Model Bill

• MO-350 (PDF)
• ST-350 (PDF)

Model Indemnity Contracts Act

• MO-356 (PDF)
• ST-356 (PDF)

Consumer Credit Insurance Model Act

• MO-360 (PDF)
• ST-360 (PDF)

Credit Personal Property Insurance Model Act

• MO-365 (PDF)
• ST-365 (PDF)
• PH-365 (PDF)

Consumer Credit Insurance Model Regulation

• MO-370 (PDF)
• ST-370 (PDF)

PC-50 - Terrorism and War Risks Exclusion

Model Regulation to Define Standards and Commissioner's Authority for Companies Deemed to be in Hazardous Financial Condition

• MO-385 (PDF)
• ST-385 (PDF)
• PH-385 (PDF)

Model Law on Examinations

• MO-390 (PDF)
• ST-390 (PDF)

CF-40 - Financial Examinations Standards for Insurers

Participation in the NAIC Insurance Regulatory Information System (IRIS) Model Act

• MO-395 (PDF)
• ST-395 (PDF)

Health Maintenance Organization Model Act

• MO-430 (PDF)
• ST-430 (PDF)
• PH-430 (PDF)

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

• MO-432 (PDF)
• ST-432 (PDF)

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

Insurance Holding Company System Regulatory Act

• MO-440 (PDF)
• ST-440 (PDF)
• PH-440 (PDF)

Insurance Holding Company System Model Regulation with Reporting Forms and Instructions

• MO-450 (PDF)
• ST-450 (PDF)
• PH-450 (PDF)

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

• MO-460 (PDF)
• ST-460 (PDF)

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

• MO-480 (PDF)
• ST-480 (PDF)

Regulation Regarding Proxies, Consents and Authorizations of Domestic Stock Insurers

• MO-490 (PDF)
• ST-490 (PDF)

Stockholders Information Supplement Schedule SIS

• MO-500 (PDF)
• ST-500 (PDF)

Risk Management and Own Risk and Solvency Assessment Model Act

• MO-505 (PDF)
• ST-505 (PDF)

Life and Health Insurance Guaranty Association Model Act

• MO-520 (PDF)
• ST-520 (PDF)
• PH-520 (PDF)

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

• MO-540 (PDF)
• ST-540 (PDF)
• PH-540 (PDF)

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

• MO-555 (PDF)
• ST-555 (PDF)
• PH-555 (PDF)

Administrative Supervision Model Act

• MO-558 (PDF)
• ST-558 (PDF)

Group Life Insurance Definition and Group Life Insurance Standard Provisions Model Act

• MO-565 (PDF)
• ST-565 (PDF)

Military Sales Practices Model Regulation

• MO-568 (PDF)
• ST-568 (PDF)
• PH-568 (PDF)

PC-50 - Terrorism and War Risks Exclusion

Advertisements of Life Insurance and Annuities Model Regulation

• MO-570 (PDF)
• ST-570 (PDF)
• PH-570 (PDF)

LI-30 - Life Insurance Disclosure Provisions

Life and Health Insurance Policy Language Simplification Model Act

• MO-575 (PDF)
• ST-575 (PDF)

LI-20 - Form Filing Requirements Life Insurance Policies
LI-30 - Life Insurance Disclosure Provisions
MC-25 - Readability Requirements

Life Insurance Disclosure Model Regulation

• MO-580 (PDF)
• ST-580 (PDF)
• PH-580 (PDF)

LI-30 - Life Insurance Disclosure Provisions
LI-35 - Annuity Disclosure Provisions

Life Insurance Illustrations Model Regulation

• MO-582 (PDF)
• ST-582 (PDF)

LI-30 - Life Insurance Disclosure Provisions

Universal Life Insurance Model Regulation

• MO-585 (PDF)
• ST-585 (PDF)

Model Policy Loan Interest Rate Bill (An Act to Regulate Interest Rates on Life Insurance Policy Loans)

• MO-590 (PDF)
• ST-590 (PDF)

Guidelines on Gifts of Life Insurance to Charitable Institutions

• MO-601 (PDF)
• ST-601 (PDF)

Guidelines on Corporate Owned Life Insurance

• MO-602 (PDF)
• ST-602 (PDF)
• PH-602 (PDF)

Disclosure for Small Face Amount Life Insurance Policies Model Act

• MO-605 (PDF)
• ST-605 (PDF)
• PH-605 (PDF)

Life Insurance and Annuities Replacement Model Regulation

• MO-613 (PDF)
• ST-613 (PDF)
• PH-613 (PDF)

Life Insurance Multiple Policy Model Regulation

• MO-615 (PDF)
• ST-615 (PDF)
• PH-615 (PDF)

Accelerated Benefits Model Regulation

• MO-620 (PDF)
• ST-620 (PDF)

Title Insurers Model Act

• MO-628 (PDF)
• ST-628 (PDF)

CF-90 - Reserve Requirements for Title Insurers
MC-90 - State Laws on Records Maintenance

Mortgage Guaranty Insurance Model Act

• MO-630 (PDF)
• ST-630 (PDF)
• PH-630 (PDF)

Real Property Lender-Placed Insurance Model Act

• MO-631 (PDF)
• ST-631 (PDF)
• PH-631 (PDF)

Travel Insurance Model Act

• MO-632 (PDF)
• ST-632 (PDF)
• PH-632 (PDF)

Pet Insurance Model Act

• MO-633 (PDF)
• ST-633 (PDF)
• PH-633 (PDF)

Long-Term Care Insurance Model Act

• MO-640 (PDF)
• ST-640 (PDF)
• PH-640 (PDF)

HS-10 - Long-Term Care Insurance Act Provisions
HS-15 - Long-Term Care Insurance Regulation Provisions

Long-Term Care Insurance Model Regulation

• MO-641 (PDF)
• ST-641 (PDF)
• PH-641 (PDF)

HS-10 - Long-Term Care Insurance Act Provisions
HS-15 - Long-Term Care Insurance Regulation Provisions
PC-50 - Terrorism and War Risks Exclusion

Limited Long-Term Care Insurance Model Act

• MO-642 (PDF)
• ST-642 (PDF)
• PH-642 (PDF)

Limited Long-Term Care Insurance Model Regulation

• MO-643 (PDF)
• ST-643 (PDF)
• PH-643 (PDF)

Medicare Supplement Insurance Minimum Standards Model Act

• MO-650 (PDF)
• ST-650 (PDF)

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

• MO-651 (PDF)
• ST-651 (PDF)
• PH-651 (PDF)

HB-50 - Genetic Testing for Insurance Coverage

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

• MO-660 (PDF)
• ST-660 (PDF)

Insurance Data Security Model Law

• MO-668 (PDF)
• ST-668 (PDF)
• PH-668 (PDF)

MC-30 - Insurance Privacy Protection in Response to the Gramm-Leach-Bliley Act
RE-40 - General State Privacy Breach/Consumer Protection Laws

NAIC Insurance Information and Privacy Protection Model Act

• MO-670 (PDF)
• ST-670 (PDF)

MC-30 - Insurance Privacy Protection in Response to the Gramm-Leach-Bliley Act

Privacy of Consumer Financial and Health Information Regulation

• MO-672 (PDF)
• ST-672 (PDF)
• PH-672 (PDF)

MC-30 - Insurance Privacy Protection in Response to the Gramm-Leach-Bliley Act

Standards for Safeguarding Customer Information Model Regulation

• MO-673 (PDF)
• ST-673 (PDF)

MC-30 - Insurance Privacy Protection in Response to the Gramm-Leach-Bliley Act
RE-40 - General State Privacy Breach/Consumer Protection Laws

Uniform Fraternal Code

• MO-675 (PDF)
• ST-675 (PDF)

Insurance Fraud Prevention Model Act

• MO-680 (PDF)
• ST-680 (PDF)
• PH-680 (PDF)

CA-90 - Statutes Making the Unauthorized Transaction of Insurance a Criminal Act
MC-10 - Insurance Fraud Prevention Laws

Service Contracts Model Act

• MO-685 (PDF)
• ST-685 (PDF)

PA-60 - Service Contracts, Motor Clubs and Other Extended Warranties

Interstate Insurance Product Regulation Compact

• MO-692 (PDF)
• ST-692 (PDF)

Market Conduct Surveillance Model Law

• MO-693 (PDF)
• ST-693 (PDF)
• PH-693 (PDF)

Synthetic Guaranteed Investment Contracts Model Regulation

• MO-695 (PDF)
• ST-695 (PDF)
• PH-695 (PDF)

Viatical Settlements Model Act

• MO-697 (PDF)
• ST-697 (PDF)
• PH-697 (PDF)

MC-90 - State Laws on Records Maintenance

Viatical Settlements Model Regulation

• MO-698 (PDF)
• ST-698 (PDF)
• PH-698 (PDF)

Insurance Statute—Atomic Energy Exclusion

• MO-700 (PDF)
• ST-700 (PDF)

Nationwide Inland Marine Definition

• MO-701 (PDF)
• ST-701 (PDF)

Model Risk Retention Act

• MO-705 (PDF)
• ST-705 (PDF)
• PH-705 (PDF)

CA-80 - Captive Insurance Company Laws

Mass Marketing of Property and Liability Insurance Model Regulation

• MO-710 (PDF)
• ST-710 (PDF)

Property Insurance Declination Termination and Disclosure Model Act

• MO-720 (PDF)
• ST-720 (PDF)

MC-20 Use of Credit Reports/Scoring in Underwriting

MC-40 Domestic Violence Laws

MC-45 Prohibitions Against Redlining and Other Geographic Discrimination

NAIC Automobile Insurance Declination, Termination and Disclosure Model Act

• MO-725 (PDF)
• ST-725 (PDF)

PA-30 - Compulsory Motor Vehicle Insurance

Property and Casualty Actuarial Opinion Model Law

• MO-745 (PDF)
• ST-745 (PDF)
• PH-745 (PDF)

Model Regulation to Require Reporting of Statistical Data by Property and Casualty Insurance Companies

• MO-751 (PDF)
• ST-751 (PDF)
• PH-751 (PDF)

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

• MO-777 (PDF)
• ST-777 (PDF)

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

Credit for Reinsurance Model Law

• MO-785 (PDF)
• ST-785 (PDF)
• PH-785 (PDF)

Credit for Reinsurance Model Regulation

• MO-786 (PDF)
• ST-786 (PDF)
• PH-786 (PDF)

Term and Universal Life Insurance Reserve Financing Model Regulation

• MO-787 (PDF)
• ST-787 (PDF)
• PH-787 (PDF)

Special Purpose Reinsurance Vehicle Model Act

• MO-789 (PDF)
• ST-789 (PDF)
• PH-789 (PDF)

Reinsurance Intermediary Model Act

• MO-790 (PDF)
• ST-790 (PDF)
• PH-790 (PDF)

PR-20 - Producer Education and Examination Requirements
MC-90 - State Laws on Records Maintenance

Life and Health Reinsurance Agreements Model Regulation

• MO-791 (PDF)
• ST-791 (PDF)

Assumption Reinsurance Model Act

• MO-803 (PDF)
• ST-803 (PDF)

Standard Nonforfeiture Law for Individual Deferred Annuities

• MO-805 (PDF)
• ST-805 (PDF)
• PH-805 (PDF)

Annuity Nonforfeiture Model Regulation

• MO-806 (PDF)
• ST-806 (PDF)
• PH-806 (PDF)

Standard Nonforfeiture Law for Life Insurance

• MO-808 (PDF)
• ST-808 (PDF)
• PH-808 (PDF)

NAIC Procedure for Permitting Same Minimum Nonforfeiture Standards for Men and Women Insured Under 1980 CSO and 1980 CET Mortality Tables

• MO-811 (PDF)
• ST-811 (PDF)

NAIC Model Rule Permitting Smoker/Nonsmoker Mortality Tables for Use in Determining Minimum Reserve Liabilities and Nonforfeiture Benefits

• MO-812 (PDF)
• ST-812 (PDF)

Recognition of the 2001 CSO Mortality Table for Use in Determining Minimum Reserve Liabilities and Nonforfeiture Benefits Model Regulation

• MO-814 (PDF)
• ST-814 (PDF)
• PH-814 (PDF)

Model Regulation Permitting the Recognition of Preferred Mortality Tables for Use in Determining Minimum Reserve Liabilities

• MO-815 (PDF)
• ST-815 (PDF)
• PH-815 (PDF)

Preneed Life Insurance Minimum Standards for Determining Reserve Liabilities and Nonforfeiture Values Model Regulation

• MO-817 (PDF)
• ST-817 (PDF)
• PH-817 (PDF)

Determining Reserve Liabilities for Credit Life Insurance Model Regulation

• MO-818 (PDF)
• ST-818 (PDF)
• PH-818 (PDF)

Standard Valuation Law

• MO-820 (PDF)
• ST-820 (PDF)
• PH-820 (PDF)

NAIC Model Rule for Recognizing a New Annuity Mortality Table for Use in Determining Reserve Liabilities for Annuities

• MO-821 (PDF)
• ST-821 (PDF)
• PH-821 (PDF)

Actuarial Opinion and Memorandum Regulation

• MO-822 (PDF)
• ST-822 (PDF)
• PH-822 (PDF)

Valuation of Life Insurance Policies Model Regulation

• MO-830 (PDF)
• ST-830 (PDF)
• PH-830 (PDF)

Unauthorized Insurers False Advertising Process Act

• MO-840 (PDF)
• ST-840 (PDF)

Unauthorized Insurers Process Act

• MO-850 (PDF)
• ST-850 (PDF)

Nonadmitted Insurance Model Act

• MO-870 (PDF)
• ST-870 (PDF)
• PH-870 (PDF)

TX-55 - Direct Procurement Tax Rates

Unfair Trade Practices Act

• MO-880 (PDF)
• ST-880 (PDF)
• PH-880 (PDF)

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

• MO-884 (PDF)
• ST-884 (PDF)

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

• MO-887 (PDF)
• ST-887 (PDF)

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

• MO-888 (PDF)
• ST-888 (PDF)

Unauthorized Transaction of Criminal Model Act

• MO-890 (PDF)
• ST-890 (PDF)
• PH-890 (PDF)

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

After Market Parts Model Regulation

• MO-891 (PDF)
• ST-891 (PDF)

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

• MO-895 (PDF)
• ST-895 (PDF)

Unfair Discrimination Against Subjects of Abuse in Life Insurance Model Act

• MO-896 (PDF)
• ST-896 (PDF)

MC-40 - Domestic Violence Laws

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

• MO-897 (PDF)
• ST-897 (PDF)

MC-40 - Domestic Violence Laws

Unfair Discrimination Against Subjects of Abuse in Property and Casualty Insurance

• MO-898 (PDF)
• ST-898 (PDF)

MC-40 - Domestic Violence Laws

Unfair Claims Settlement Practices Act

• MO-900 (PDF)
• ST-900 (PDF)

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

Unfair Property/Casualty Claims Settlement Practices Model Regulation

• MO-902 (PDF)
• ST-902 (PDF)

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

• MO-903 (PDF)
• ST-903 (PDF)

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

Market Conduct Record Retention and Production Model Regulation

• MO-910 (PDF)
• ST-910 (PDF)
• PH-910 (PDF)

MC-90 - State Laws on Records Maintenance

Improper Termination Practices Model Act

• MO-915 (PDF)
• ST-915 (PDF)

Home Service Disclosure Model Act

• MO-920 (PDF)
• ST-920 (PDF)
• PH-920 (PDF)

American Health Benefit Exchange Model Act

• MO-929 (PDF)
• ST-929 (PDF)
• PH-929 (PDF)

Guideline for Implementation of Medical Professional Liability Closed Claim Reporting

• GL-1077 (PDF)
• ST-1077 (PDF)

Registration and Regulation of Third-Party Administrators

• GL-1090 (PDF)
• ST-1090 (PDF)
• PH-1090 (PDF)

CA-10 - Annual and Quarterly Financial Reporting Requirements
PL-20 - Third Party Administrator Licensure and Bond Requirements
MC-90 - State Laws on Records Maintenance

Independent Adjuster Licensing Guideline

• GL-1224 (PDF)
• ST-1224 (PDF)
• PH-1224 (PDF)

PL-40 - Adjuster Licensing Requirements

Notice of Protection Provided by [State] Life and Health Guaranty Association

• GL-1525 (PDF)
• ST-1525 (PDF)
• PH-1525 (PDF)

Guideline for Stay on Termination of Netting Agreements and Qualified Financial Contracts

• GL-1556 (PDF)
• ST-1556 (PDF)
• PH-1556 (PDF)

Guideline For Payment Of Interest To Receiver On Overdue Reinsurance Recoverables

• GL-1600 (PDF)
• ST-1600 (PDF)
• PH-1600 (PDF)

Financial Guaranty Insurance Guideline

• GL-1626 (PDF)
• ST-1626 (PDF)
• PH-1626 (PDF)

Title Agent Statistical Data Plan Implementation Guideline

• GL-1650 (PDF)
• ST-1650 (PDF)
• PH-1650 (PDF)

Antifraud Plan Guideline

• GL-1690 (PDF)
• ST-1690 (PDF)
• PH-1690 (PDF)

Automobile Insurance Fraud Guideline

• GL-1694 (PDF)
• ST-1694 (PDF)
• PH-1694 (PDF)

Guideline for Implementation of State Orderly Liquidation Authority

• GL-1700 (PDF)
• ST-1700 (PDF)
• PH-1700 (PDF)

Title Insurance Consumer Protection Fund Guideline

• GL-1750 (PDF)
• ST-1750 (PDF)
• PH-1750 (PDF)

Property and Casualty Model Rating Law (File and Use Version)

• GL-1775 (PDF)
• ST-1775 (PDF)

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

Property and Casualty Model Rate and Policy Form Law Guideline

• GL-1776 (PDF)
• ST-1776 (PDF)

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

Property and Casualty Model Rating Law (Prior Approval Version)

• GL-1780 (PDF)
• ST-1780 (PDF)
• PH-1780 (PDF)

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

Property and Casualty Model Rate and Policy Form Regulation Guideline

• GL-1781 (PDF)
• ST-1781 (PDF)
• PH-1781 (PDF)

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

Guideline on Nonamitted Accident and Health Coverages

• GL-1860 (PDF)
• ST-1860 (PDF)
• PH-1860 (PDF)

Guidelines for Regulation and Legislation on Workers' Compensation Coverage for Professional Employer Organization Arrangements

• GL-1950 (PDF)
• ST-1950 (PDF)
• PH-1950 (PDF)

Guidelines for the Filing of Workers' Compensation Large Deductible Policies and Programs (Large Deductible Filing Guidelines)

• GL-1970 (PDF)
• ST-1970 (PDF)
• PH-1970 (PDF)

Guideline for Administration of Large Deductible Policies in Receivership

• GL-1980 (PDF)
• ST-1980 (PDF)
• PH-1980 (PDF)

Guideline for Definition of Reciprocal State in Receivership Laws

• GL-1985 (PDF)
• ST-1985 (PDF)
• PH-1985 (PDF)