Use the Jurisdiction Map and related links to find resources and contact information for NAIC member insurance departments.
Actions considered by the NAIC are exposed and discussed through NAIC Committees , task forces and subgroups. These links provide access to relevant staff, charges and schedules.
NAIC Members are the chief insurance regulators from each of the 50 U.S. states and six territories. These links lead to NAIC resources developed primarily for them and their departments.
NAIC Products provide reliable data, information and technology applications for regulators, consumers and industry.
NAIC Education & Training offers professional development for state insurance regulators, as well as courses to help industry professionals comply with regulatory processes.
All consumer education and reference material is now in one place, the NAIC Consumers page.
These links lead to NAIC tools, training and information for insurance industry professionals.
The JIR is a forum for opinion and discussion of major regulatory and public policy issues in insurance. It strives to make state insurance departments more aware of the cutting-edge, high-quality research occurring in the regulation arena. All authors having articles that deal with insurance regulation are invited to submit manuscripts to the Journal for review. Before appearing in the Journal, each article is rigorously evaluated by the JIR Editorial Review Board to ensure that all information provides a true benefit to its readers and is of the utmost quality.
Kimball Award
Download Free PDF of Individual Articles
2020
- Feasibility Questions About Government-Sponsored Insurance for Business Interruption Losses from Pandemics
- Guaranteed Renewability in Health Insurance: Taking into
Account Changes in Risk Status and the Cost of Dying - Social Media as a Factor in Personal Injury Underwriting: Risk, Rate and Regulation
- Licensing and Reporting in the U.S. Pet Insurance Market
- Consent to Rate Laws: A case study of the North Carolina Homeowners Insurance Marketplace
- Risk-Based Pricing of Property and Liability Insurance
- Business Interruption Insurance and COVID-19: Coverage and Issues and Public Policy Implications
2019
- Journal of Insurance Regulation 2019 Issue
- The Differential Effects of Medical Loss Ratio Regulation on the Individual Health Insurance Market
- Director Networks and Credit Ratings of Insurance Companies
- The Impact of Motor Vehicle Simulator Training on Law Enforcement Officer Driving Behavior: Empirical Evidence from Accident Frequency and Severity
- When Insurers Have Discretion: Lessons for Regulators from UK Insurers' Response to the Global Financial Crisis
- Genetic Testing in Underwriting: Implications for Life Insurance Markets
- Challenges for the Insurance Industry in the Future
- Cost Trends and Affordability of Automobile Insurance in the U.S.
- Social Media Liability Exposures
- Prescription Drug Insurance Plans: Potential Cost Reductions and the Pass-Through of Manufacturer Pharmaceutical Rebates to Premiums
- Too Close for Comfort: Diminished Effectiveness of Ratio-Based Solvency Monitoring When Insurers Are Located Close to Their State Insurance Regulators
- Abstracts of Significant Cases Bearing on the Regulation of Insurance 2019
2018
- Journal of Insurance Regulation 2018 Issue
- CDS Spreads, Systemic Risk and Global Systemically Important Insurers Designation
- Characteristics of S&P 500 Companies with Captive Insurance Subsidiaries
- The Florida Insurance Market: An Analysis of Vulnerabilities to Future Hurricane Losses
- Research Brief FL
- The Analyzing the Impact of Time Horizon, Volatility and Profit Margins on Solvency Capital: Proposing a New Model for the Global Regulation of the Insurance Industry
- Regulation and Surplus Lines Activity
- The Impact of Medicaid Expansion, Diversity and the ACA Primary Care Fee Bump on the Performance of Medicaid Managed Care
- Individual Market Underwriting Profitability in Health Insurance
- The Excess-of-Loss Reinsurance Benefits for Small Insurers
- New Evidence on an Old Unanswered Question: The Decision to Purchase Credit Insurance and Other Debt Protection Products
- Abstracts of Significant Cases Bearing on the Regulation of Insurance 2018
2017
- Journal of Insurance Regulation 2017 Issue
- An Analysis of Interpretation of Insurance Contracts: Common Law versus Strict Contra Proferentem
- State and Local Policy Instruments for the Promotion of Catastrophe Mitigation
- A Comparison of the Risk Management and Own Risk and Solvency Assessment Model Act and Insurer Ratings
- Evolution or Revolution? How Solvency II Will Change the Balance Between Reinsurance and ILS
- Emerging Issues Within the Assignment of Benefits Clause
- The Growth of Subrogation and the Future of Personal Injury Litigation
- Time to Dust Off the Anti-Rebate Laws
- Anti-Rebate Laws Brief
- The (Mis)alignment of Health Insurers' Efficiency Measures from Different Perspectives and Their (Un)linkage with Financial Ratios and Asset Allocation
- State-Based Retirement Plans: Why or Why Not?
- Denied and Resisted Life Insurance Claims: Recommended Changes to Schedule F
- Abstracts of Significant Cases Bearing on the Regulation of Insurance 2017
2016
- Journal of Insurance Regulation 2016 Issue
- Cellphone Laws and Rear-End Accidents
- A Review of States' Decisions Regarding Health Insurance Exchanges
- Optimal Cap on Claim Settlements Based on Social Benefit Maximation
- Commercial Insurers' Participation in Public Health Insurance Programs
- Catastrophe Risk and the Regulation of Property Insurance Markets
- How Does Natural Hazard Insurance Literature Discuss the Risks of Climate Change?
- Regulatory Issues Related to Autonomous Vehicles
- Limitations of German Insurance disclosures to Improve Consumer Understanding, With Lessons for U.S. Insurance Practices
- Key Stakeholders' Stock Returns and the Affordable Care Act
- A Post-Mortem of the Life Insurance Industry's Bid for Capital During the Financial Crisis
- Abstracts of Significant Cases Bearing on the Regulation of Insurance 2016
2015
- Journal of Insurance Regulation 2015 Issue
- Safety Versus Affordability as Targets of Insurance Regulation: A Welfare Approach
- A Public Policy Evaluation of Florida's Citizens Property Insurance Corporation
- Material Misrepresentations in Insurance Litigation: An Analysis of Insureds' Arguments and Court Decisions
- Market Structure and the Profitability of the U.S. Health Insurance Marketplace: A State-Level Analysis
- Public Policy and Regulation to Reduce Underlying Risks: Two Insurance-Mitigation Strategies Following the Recent Gulf Coastal Property Insurance Crisis
- Integrated Determination of Insurer Capital, Investment and Reinsurance Strategy
- How to Set Rates if You Must: An Efficiency-Based Methodology for Setting Promulgated Insurance Rates with an Application to Title Insurance
- A Preliminary Examination of Health Insurers Participating on Federally Facilitated Marketplacess
- Own Risk and Solvency Assessment: Origins and Implications for Enterprise Risk Management
- The Economics and Regulation of Captive Reinsurance in Life Insurance
- Abstracts of Significant Cases Bearing on the Regulation of Insurance 2015
The Journal of Insurance Regulation (JIR) wants you! The Journal is soliciting articles concerning all aspects of insurance regulation. Articles are in-depth legal studies, economic analyses, public policy analyses and empirical studies. Each article should be a minimum of 15 pages of text only and may also include figures and graphs to support or further explain the content of the article. The editorial review board and independent reviewers will evaluate all submissions in a double-blind review process, focusing on the importance of the subject, general readership interest, documentation of ideas and concepts, and relevancy to current hot issues. Recent submissions dealt with the evolving nature of the U.S. regulatory landscape, international insurance, terrorism insurance, the viatical settlements market, and interstate compacts.
The Journal also solicits outside reviews of material published elsewhere that may be of readership interest. Authors who have published articles in other venues are encouraged to submit synopses (100-300 words) so regulators and others can be directed to other sources.
To submit a manuscript or a review of a previously published article, contact the JIR editor at:
Cassandra Cole and Kathleen McCullough, co-editors
Department of Risk Management/Insurance, Real Estate, and Legal Studies
College of Business
Florida State University
821 Academic Way
PO Box 3061110
Tallahassee, FL 32306-1110
JIReditor@gmail.com
Suggestions for cases appropriate for legal review or analyses of such cases should be sent to:
Jennifer McAdam, Legal Counsel
NAIC
1100 Walnut Street, Suite 1500
Kansas City, MO 64106-2197
jmcadam@naic.org
Guidelines for Authors
NAIC Insurance Products and Services
1100 Walnut Street, Suite 1500
Kansas City, MO 64106-2197
816-783-8300
prodserv@naic.org
Reprints
NAIC publications are subject to copyright protection. If you would like to reprint an NAIC publication, please submit a "request for permission". The NAIC will review your request.