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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) 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

  • Title Of Model

    Model #

    Related Charts:
    State Laws On Insurance Topics

  • Health Insurance Reserves Model Regulation

    MDL-10 (PDF)

  • Health Carrier Prescription Drug Benefit Management Model Act

    MDL-22 (PDF)

  • Individual Market Health Insurance Coverage Model Regulation

    MDL-26 (PDF)

  • Standardized Health Claim Form Model Regulation

    MDL-30 (PDF)

  • Health Carrier Claim Audit Guidelines Model Act

    MDL-32 (PDF)

  • Small Employer and Individual Health Insurance Availability Model Act

    MDL-35 (PDF)

    HG-10 - Small Group Health Insurance Availability

  • Individual Market Health Insurance Coverage Model Act

    MDL-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

  • Individual Health Insurance Portability Model Act

    MDL-37 (PDF)

  • Model Regulation to Implement the Individual Health Insurance Portability Model Act

    MDL-38 (PDF)

Accident and Health Insurance Consumer Protection

Model Numbers: 40-55

  • Title Of Model

    Model #

    Related Charts:
    State Laws On Insurance Topics

  • Advertisements of Accident and Sickness Insurance Model Regulation

    MDL-40 (PDF)

  • Prohibition on the Use of Discretionary Clauses Model Act

    MDL-42 (PDF)

  • Health Information Privacy Model Act

    MDL-55 (PDF)

Accident and Health Insurance Delivery Systems

Model Numbers: 68-98

  • Title Of Model

    Model #

    Related Charts:
    State Laws On Insurance Topics

  • Prepaid Limited Health Service Organization Model Act

    MDL-68 (PDF)

  • Health Care Professional Credentialing Verification Model Act

    MDL-70 (PDF)

  • Quality Assessment and Improvement Model Act

    MDL-71 (PDF)

  • Health Carrier Grievance Procedure Model Act

    MDL-72 (PDF)

  • Utilization Review and Benefit Determination Model Act

    MDL-73 (PDF)

    HA-50 - Standards for Utilization Review Agents
    RA-30 - Current Recognition of Accrediting Organizations for Health Insurers and Managed Care Providers

  • Health Benefit Plan Network Access and Adequacy Model Act

    MDL-74 (PDF)

  • Health Carrier External Review Model Act

    MDL-75 (PDF)

    HA-50 - Standards for Utilization Review Agents
    HA-60 - External Independent Appeal of Health Insurer Decisions
    RA-30 - Current Recognition of Accrediting Organizations for Health Insurers and Managed Care Providers

  • Uniform Health Carrier External Review Model Act

    MDL-76 (PDF)

    HA-50 - Standards for Utilization Review Agents
    HA-60 - External Independent Appeal of Health Insurer Decisions
    RA-30 - Current Recognition of Accrediting Organizations for Health Insurers and Managed Care Providers

  • Medical Professional Liability Closed Claim Reporting Model Law

    MDL-77 (PDF)

    PC-80 - Tort Reform: Medical Malpractice Caps

  • The Single Health Care Voluntary Purchasing Alliance Model Act

    MDL-78 (PDF)

    HG-30 - Health Insurance Purchasing Alliances

  • The Regional Health Care Voluntary Purchasing Alliance Model Act

    MDL-80 (PDF)

    HG-30 - Health Insurance Purchasing Alliances

  • The Private Health Care Voluntary Purchasing Alliance Model Act

    MDL-82 (PDF)

    HG-30 - Health Insurance Purchasing Alliances

  • Model Health Plan for Uninsurable Individuals Act

    MDL-85 (PDF)

  • Stop-Loss Insurance Model Act

    MDL-92 (PDF)

    HA-90 - Stop Loss Coverage

  • Discount Medical Plan Organization Model Act

    MDL-98 (PDF)

    HA-80 - Health Care Discount Plans

Accident and Health Insurance Group Regulation

Model Numbers: 100-126

  • Title Of Model

    Model #

    Related Charts:
    State Laws On Insurance Topics

  • Group Health Insurance Standards Model Act

    MDL-100 (PDF)

    HA-10 - Filing Requirements Health Insurance Forms and Rates
    HG-20 - Group Health Insurance Continuation Provisions in States

  • Group Health Insurance Mandatory Conversion Privilege Model Act

    MDL-105 (PDF)

    HG-20 - Group Health Insurance Continuation Provisions in States

  • Small Group Market Health Insurance Coverage Model Act

    MDL-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
    HG-10 - Small Group Health Insurance Availability

  • Nondiscrimination in Health Insurance Coverage in the Group Market Model Regulation

    MDL-107 (PDF)

  • Group Coverage Discontinuance and Replacement Model Regulation

    MDL-110 (PDF)

    HG-20 - Group Health Insurance Continuation Provisions in States

  • Small Employer Health Insurance Availability Model Act (Prospective Reinsurance With or Without an Opt-Out)

    MDL-118 (PDF)

    HG-20 - Group Health Insurance Continuation Provisions in States

  • Model Regulation to Implement the Small Employer Health Insurance Availability Act (Prospective Reinsurance With or Without an Opt-Out)

    MDL-119 (PDF)

    HG-10 - Small Group Health Insurance Availability

  • Coordination of Benefits Model Regulation

    MDL-120 (PDF)

    HA-40 - Coordination of Benefits Provisions

  • Small Group Market Health Insurance Coverage Model Regulation

    MDL-126 (PDF)

    HG-10 - Small Group Health Insurance Availability

Accident and Health Insurance Rate and Policy Standards

Model Numbers: 134-190

  • Title Of Model

    Model #

    Related Charts:
    State Laws On Insurance Topics

  • Guidelines for Filing of Rates for Individual Health Insurance Forms

    MDL-134 (PDF)

    HA-10 - Filing Requirements Health Insurance Forms and Rates

  • Noncancelable and Guaranteed Renewable Terminology Defined

    MDL-139 (PDF)

  • Off-Label Drug Use Model Act

    MDL-148 (PDF)

    HB-10 - Mandated Benefits - Other

  • Newborn and Adopted Children Coverage Model Act

    MDL-155 (PDF)

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

    MDL-165 (PDF)

    HA-10 - Filing Requirements Health Insurance Forms and Rates

  • Supplementary and Short-Term Health Insurance Minimum Standards Model Act

    MDL-170 (PDF)

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

    MDL-171 (PDF)

  • Uniform Individual Accident and Sickness Policy Provision Law (UPPL)

    MDL-180 (PDF)

  • Restatement of UPPL in Simplified Language

    MDL-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

    MDL-190 (PDF)

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

    MDL-200 (PDF)

    LI-20 - Form Filing Requirements Life Insurance Policies

  • Annual Financial Reporting Model Regulation

    MDL-205 (PDF)

    CA-10 - Annual and Quarterly Financial Reporting Requirements
    CF-55 - Guaranty Fund Assessments as Assets on Annual Statement

Agents/Brokers/Producers

Model Numbers: 218-230

  • Title Of Model

    Model #

    Related Charts:
    State Laws On Insurance Topics

  • Producer Licensing Model Act

    MDL-218 (PDF)

    PR-10 - Producer Licensing Fees
    PR-15 - Compensation Disclosure Requirements for Producers
    PR-20 - Producer Education and Examination Requirements
    PR-30 - Fingerprint Requirements for Licensing
    PR-40 - Appointment of Producers by Insurers
    PR-45 - Notice of Termination of Producer Appointments
    PR-60 - Producers' Fiduciary Responsibilities—Premiums
    PR-70 - Producers' Ability to Charge Fees and Collect Commissions
    PL-10 - Producer Licensing: Limited Lines
    PL-60 - Licensure of Credit Agents

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

    MDL-220 (PDF)

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

  • Authorization for Criminal History Record Check Model Act

    MDL-222 (PDF)

    PR-30 - Fingerprint Requirements for Licensing
    PL-50 - Bail Bond Regulation

  • Managing General Agents Act

    MDL-225 (PDF)

  • Public Adjuster Licensing Model Act

    MDL-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

    MDL-230 (PDF)

Annuities/Variable Contracts

Model Numbers: 235-278

  • Title Of Model

    Model #

    Related Charts:
    State Laws On Insurance Topics

  • Interest-Indexed Annuity Contracts Model Regulation

    MDL-235 (PDF)

  • Charitable Gift Annuities Model Act

    MDL-240 (PDF)

    LU-30 - Charitable Gift Annuities

  • Charitable Gift Annuities Exemption Model Act

    MDL-241 (PDF)

    LU-30 - Charitable Gift Annuities

  • Annuity Disclosure Model Regulation

    MDL-245 (PDF)

    LI-35 - Annuity Disclosure Provisions

  • Variable Annuity Model Regulation

    MDL-250 (PDF)

  • Modified Guaranteed Annuity Regulation

    MDL-255 (PDF)

    LI-20 - Form Filing Requirements Life Insurance Policies

  • Model Variable Contract Law

    MDL-260 (PDF)

  • Variable Life Insurance Model Regulation (includes commentary)

    MDL-270 (PDF)

    LI-20 - Form Filing Requirements Life Insurance Policies

  • Suitability in Annuity Transactions Model Regulation

    MDL-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

    MDL-278 (PDF)

Company Organization, Management, Securities

Model Numbers: 280-356

  • Title Of Model

    Model #

    Related Charts:
    State Laws On Insurance Topics

  • Investments of Insurers Model Act (Defined Limits Version)

    MDL-280 (PDF)

    CF-50 - Limitations on Insurers' Investments

  • Derivative Instruments Model Regulation

    MDL-282 (PDF)

    CF-50 - Limitations on Insurers' Investments

  • Investments of Insurers Model Act (Defined Standards Version)

    MDL-283 (PDF)

    CF-50 - Limitations on Insurers' Investments

  • Disclosure of Material Transactions Model Act

    MDL-285 (PDF)

  • Protected Cell Company Model Act

    MDL-290 (PDF)

    CA-80 - Captive Insurance Company Laws

  • Model Act on Custodial Agreements and the Use of Clearing Corporations

    MDL-295 (PDF)

    CF-80 - Custodians for Insurance Company Securities

  • Model Regulation on Custodial Agreements and the Use of Clearing Corporations

    MDL-298 (PDF)

    CF-80 - Custodians for Insurance Company Securities

  • Uniform Deposit Law

    MDL-300 (PDF)

  • Corporate Governance Annual Disclosure Model Act

    MDL-305 (PDF)

  • Corporate Governance Annual Disclosure Model Regulation

    MDL-306 (PDF)

  • Risk-Based Capital (RBC) Model Act

    MDL-312 (PDF)

    CF-20 - Capital and Surplus Requirements on Risks

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

    MDL-315 (PDF)

    CF-20 - Capital and Surplus Requirements on Risks

  • Organization and Ownership of New Insurance Companies

    MDL-320 (PDF)

  • Business Transacted with Producer Controlled Property/Casualty Insurer Act

    MDL-325 (PDF)

  • Investments in Medium Grade and Lower Grade Obligations Model Regulation

    MDL-340 (PDF)

    I-CF-50 - Limitations on Insurers' Investments

  • Redomestication Model Bill

    MDL-350 (PDF)

  • Model Indemnity Contracts Act

    MDL-356 (PDF)

Credit Insurance

Model Numbers: 360-375

  • Title Of Model

    Model #

    Related Charts:
    State Laws On Insurance Topics

  • Consumer Credit Insurance Model Act

    MDL-360 (PDF)

  • Credit Personal Property Insurance Model Act

    MDL-365 (PDF)

  • Consumer Credit Insurance Model Regulation

    MDL-370 (PDF)

    PC-50 - Terrorism and War Risks Exclusion

  • Creditor-Placed Insurance Model Act

    MDL-375 (PDF)

Examinations

Model Numbers: 385-395

  • Title Of Model

    Model #

    Related Charts:
    State Laws On Insurance Topics

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

    MDL-385 (PDF)

  • Model Law on Examinations

    MDL-390 (PDF)

    CF-40 - Financial Examinations Standards for Insurers

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

    MDL-395 (PDF)

Health Maintenance Organizations

Model Numbers: 430-432

  • Title Of Model

    Model #

    Related Charts:
    State Laws On Insurance Topics

  • Health Maintenance Organization Model Act

    MDL-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

    MDL-432 (PDF)

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

Holding Companies

Model Numbers: 440-450

  • Title Of Model

    Model #

    Related Charts:
    State Laws On Insurance Topics

  • Insurance Holding Company System Regulatory Act

    MDL-440 (PDF)

  • Insurance Holding Company System Model Regulation with Reporting Forms and Instructions

    MDL-450 (PDF)

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

    MDL-460 (PDF)

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

    MDL-480 (PDF)

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

    MDL-490 (PDF)

  • Stockholders Information Supplement Schedule SIS

    MDL-500 (PDF)

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

    MDL-505 (PDF)

  • Criminal Sanctions for Failure to Report Impairment Model Bill

    MDL-510 (PDF)

  • Life and Health Insurance Guaranty Association Model Act

    MDL-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

    MDL-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

    MDL-555 (PDF)

  • Administrative Supervision Model Act

    MDL-558 (PDF)

Life Insurance

Model Numbers: 565-620

  • Title Of Model

    Model #

    Related Charts:
    State Laws On Insurance Topics

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

    MDL-565 (PDF)

  • Military Sales Practices Model Regulation

    MDL-568 (PDF)

    PC-50 - Terrorism and War Risks Exclusion

  • Advertisements of Life Insurance and Annuities Model Regulation

    MDL-570 (PDF)

    LI-30 - Life Insurance Disclosure Provisions

  • Life and Health Insurance Policy Language Simplification Model Act

    MDL-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

    MDL-580 (PDF)

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

  • Life Insurance Illustrations Model Regulation

    MDL-582 (PDF)

    LI-30 - Life Insurance Disclosure Provisions

  • Universal Life Insurance Model Regulation

    MDL-585 (PDF)

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

    MDL-590 (PDF)

  • Guidelines on Gifts of Life Insurance to Charitable Institutions

    MDL-601 (PDF)

    LI-45 - Life Insurance Insurable Interest and Charities

  • Guidelines on Corporate Owned Life Insurance

    MDL-602 (PDF)

    LI-50 - Corporate Owned Life Insurance

  • Disclosure for Small Face Amount Life Insurance Policies Model Act

    MDL-605 (PDF)

  • Life Insurance and Annuities Replacement Model Regulation

    MDL-613 (PDF)

  • Life Insurance Multiple Policy Model Regulation

    MDL-615 (PDF)

  • Accelerated Benefits Model Regulation

    MDL-620 (PDF)

    LI-60 - Accelerated Death Benefits in Life Insurance

Limited Lines

Model Numbers: 628-631

  • Title Of Model

    Model #

    Related Charts:
    State Laws On Insurance Topics

  • Title Insurers Model Act

    MDL-628 (PDF)

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

  • Mortgage Guaranty Insurance Model Act

    MDL-630 (PDF)

  • Travel Insurance Model Act

    MDL-632 (PDF)

  • Real Property Lender-Placed Insurance Model Act

    MDL-631 (PDF)

Long-Term Care Insurance

Model Numbers: 640-643

  • Title Of Model

    Model #

    Related Charts:
    State Laws On Insurance Topics

  • Long-Term Care Insurance Model Act

    MDL-640 (PDF)

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

  • Long-Term Care Insurance Model Regulation

    MDL-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

    MDL-642 (PDF)

  • Limited Long-Term Care Insurance Model Regulation

    MDL-643 (PDF)

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

    MDL-650 (PDF)

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

    MDL-651 (PDF)

    HB-50 - Genetic Testing for Insurance Coverage

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

    MDL-660 (PDF)

Miscellaneous

Model Numbers: 665-698

  • Title Of Model

    Model #

    Related Charts:
    State Laws On Insurance Topics

  • State of Entry Model Act

    MDL-665 (PDF)

  • Insurance Data Security Model Law

    MDL-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

    MDL-670 (PDF)

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

  • Privacy of Consumer Financial and Health Information Regulation

    MDL-672 (PDF)

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

  • Standards for Safeguarding Customer Information Model Regulation

    MDL-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

    MDL-675 (PDF)

  • Insurance Fraud Prevention Model Act

    MDL-680 (PDF)

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

  • Service Contracts Model Act

    MDL-685 (PDF)

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

  • Interstate Insurance Product Regulation Compact

    MDL-692 (PDF)

  • Market Conduct Surveillance Model Law

    MDL-693 (PDF)

  • Synthetic Guaranteed Investment Contracts Model Regulation

    MDL-695 (PDF)

  • Viatical Settlements Model Act

    MDL-697 (PDF)

    LU-40 - Viatical and Life Settlements
    MC-90 - State Laws on Records Maintenance

  • Viatical Settlements Model Regulation

    MDL-698 (PDF)

    LU-40 - Viatical and Life Settlements

Property and Casualty Insurance

Model Numbers: 700-760

  • Title Of Model

    Model #

    Related Charts:
    State Laws On Insurance Topics

  • Insurance Statute—Atomic Energy Exclusion

    MDL-700 (PDF)

  • Nationwide Inland Marine Definition

    MDL-701 (PDF)

  • Model Risk Retention Act

    MDL-705 (PDF)

    CA-80 - Captive Insurance Company Laws

  • Mass Marketing of Property and Liability Insurance Model Regulation

    MDL-710 (PDF)

  • NAIC Anti-Arson Application Model Bill

    MDL-715 (PDF)

  • Property Insurance Declination, Termination and Disclosure Model Act

    MDL-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

    MDL-725 (PDF)

    PA-30 - Compulsory Motor Vehicle Insurance

  • Collision Damage Waiver Model Act

    MDL-728 (PDF)

  • Property and Casualty Insurance Policy Simplification Model Act

    MDL-730 (PDF)

    MC-25 - Readability Requirements

  • Personal Lines Property and Casualty Insurance Policy Simplification Model Regulation

    MDL-731 (PDF)

    MC-25 - Readability Requirements

  • Nonpersonal Lines Property and Casualty Insurance Policy Simplification Model Regulation

    MDL-732 (PDF)

    MC-25 - Readability Requirements

  • CGL Extended Reporting Model Act

    MDL-740 (PDF)

  • Property and Casualty Actuarial Opinion Model Law

    MDL-745 (PDF)

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

    MDL-751 (PDF)

  • Group Personal Lines Property and Casualty Insurance Model Act

    MDL-760 (PDF)

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)

    MDL-777 (PDF)

    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

  • Title Of Model

    Model #

    Related Charts:
    State Laws On Insurance Topics

  • Credit for Reinsurance Model Law

    MDL-785 (PDF)

  • Credit for Reinsurance Model Regulation

    MDL-786 (PDF)

  • Term and Universal Life Insurance Reserve Financing Model Regulation

    MDL-787 (PDF)

  • Special Purpose Reinsurance Vehicle Model Act

    MDL-789 (PDF)

  • Reinsurance Intermediary Model Act

    MDL-790 (PDF)

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

  • Life and Health Reinsurance Agreements Model Regulation

    MDL-791 (PDF)

  • Assumption Reinsurance Model Act

    MDL-803 (PDF)

Standard Nonforfeiture and Valuation

Model Numbers: 805-830

  • Title Of Model

    Model #

    Related Charts:
    State Laws On Insurance Topics

  • Standard Nonforfeiture Law for Individual Deferred Annuities

    MDL-805 (PDF)

  • Annuity Nonforfeiture Model Regulation

    MDL-806 (PDF)

  • Standard Nonforfeiture Law for Life Insurance

    MDL-808 (PDF)

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

    MDL-811 (PDF)

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

    MDL-812 (PDF)

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

    MDL-814 (PDF)

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

    MDL-815 (PDF)

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

    MDL-817 (PDF)

  • Determining Reserve Liabilities for Credit Life Insurance Model Regulation

    MDL-818 (PDF)

  • Standard Valuation Law

    MDL-820 (PDF)

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

    MDL-821 (PDF)

  • Actuarial Opinion and Memorandum Regulation

    MDL-822 (PDF)

  • Valuation of Life Insurance Policies Model Regulation

    MDL-830 (PDF)

Unauthorized Insurance

Model Numbers: 840-872

  • Title Of Model

    Model #

    Related Charts:
    State Laws On Insurance Topics

  • Unauthorized Insurers False Advertising Process Act

    MDL-840 (PDF)

  • Unauthorized Insurers Process Act

    MDL-850 (PDF)

  • Nonadmitted Insurance Model Act

    MDL-870 (PDF)

    CA-70 - Lists of Approved Surplus Lines InsurersCF-30 - Capital and Surplus and Deposit Requirements for Surplus Lines Companies
    TX-55 - Direct Procurement Tax Rates

  • Allocation of Surplus Lines and Independently Procurred Insurance Premium Tax on Multi-State Risks Model Regulation

    MDL-872 (PDF)

    TX-55 - Direct Procurement Tax Rates

Unfair Trade Practices

Model Numbers: 880-920

  • Title Of Model

    Model #

    Related Charts:
    State Laws On Insurance Topics

  • Unfair Trade Practices Act

    MDL-880 (PDF)

    PA-70 - Producers' Ability to Charge Fees and Collect Commissions
    LU-60 - Lawful Travel Laws
    MC-20 - Use of Credit Reports/Scoring in Underwriting
    MC-40 - Domestic Violence Laws
    MC-45 - Prohibitions Against Redlining and Other Geographic Discrimination
    MC-46 – Consumer Inquiries/Zero Claims for Loss History

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

    MDL-884 (PDF)

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

    MDL-887 (PDF)

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

    MDL-888 (PDF)

  • Unauthorized Transaction of Criminal Model Act

    MDL-890 (PDF)

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

  • After Market Parts Model Regulation

    MDL-891 (PDF)

    PA-40 - Laws on Aftermarket Automobile Par

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

    MDL-895 (PDF)

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

    MDL-896 (PDF)

    MC-40 - Domestic Violence Laws

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

    MDL-897 (PDF)

    MC-40 - Domestic Violence Laws

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

    MDL-898 (PDF)

    MC-40 - Domestic Violence Laws

  • Unfair Claims Settlement Practices Act

    MDL-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

    MDL-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

    MDL-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

    MDL-910 (PDF)

    MC-90 - State Laws on Records Maintenance

  • Improper Termination Practices Model Act

    MDL-915 (PDF)

  • Home Service Disclosure Model Act

    MDL-920 (PDF)

Health Care Reform

Model Numbers: 929-929

  • Title Of Model

    Model #

    Related Charts:
    State Laws On Insurance Topics

  • American Health Benefit Exchange Model Act

    MDL-929 (PDF)

NAIC Guidelines

Model Numbers: GDL-1077-GDL-1980

  • Title Of Model

    Model #

    Related Charts:
    State Laws On Insurance Topics

  • Guideline for Implementation of Medical Professional Liability Closed Claim Reporting

    GDL-1077 (PDF)

  • Registration and Regulation of Third-Party Administrators

    GDL-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

    GDL-1224 (PDF)

    PL-40 - Adjuster Licensing Requirements

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

    GDL-1525 (PDF)

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

    GDL-1556 (PDF)

  • Guideline For Payment Of Interest To Receiver On Overdue Reinsurance Recoverables

    GDL-1600 (PDF)

  • Financial Guaranty Insurance Guideline

    GDL-1626 (PDF)

  • Title Agent Statistical Data Plan Implementation Guideline

    GDL-1650 (PDF)

  • Antifraud Plan Guideline

    GDL-1690 (PDF)

  • Automobile Insurance Fraud Guideline

    GDL-1694 (PDF)

  • Guideline for Implementation of State Orderly Liquidation Authority

    GDL-1700 (PDF)

  • Title Insurance Consumer Protection Fund Guideline

    GDL-1750 (PDF)

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

    GDL-1775 (PDF)

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

  • Property and Casualty Model Rate and Policy Form Law Guideline

    GDL-1776 (PDF)

    PA-10 - Rate Filing Methods for Property/Casualty Insurance, Workers' Compensation, Title
    PA-15 - Form Filing Methods for Property/Casualty
    PC-20 – Commercial Lines Re-engineering

  • Property and Casualty Model Rating Law (Prior Approval Version)

    GDL-1780 (PDF)

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

  • Property and Casualty Model Rate and Policy Form Regulation Guideline

    GDL-1781 (PDF)

    PA-10 - Rate Filing Methods for Property/Casualty Insurance, Workers' Compensation, Title
    PA-15 - Form Filing Methods for Property/Casualty
    PC-20 – Commercial Lines Re-engineering

  • Guideline on Nonamitted Accident and Health Coverages

    GDL-1860 (PDF)

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

    GDL-1950 (PDF)

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

    GDL-1970 (PDF)

  • Guideline for Administration of Large Deductible Policies in Receivership

    GDL-1980 (PDF)

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