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Accident and Health Policy Experience Report

AHP-LR

Offers valuable and in-demand information on health insurance. Derived from the NAIC Accident and Health Policy Experience Exhibit, the report includes aggregated data from the exhibit in the P&C, health, life and fraternal blanks; extensive breakouts of market share data; company index; and important statistics - such as loss ratios, number of policies and certificates, and number of covered lives. Updated annually.
  • AHP-LR

    Accident and Health Policy Experience Report

    Free Download

Accounting Practices and Procedures Manual

APP-OSS-2021, APP-OSS-2020, APP-UPD

The Manual includes all statutory accounting guidance that has been adopted by the NAIC as of March. Appendices contain excerpts of applicable NAIC model laws, interpretations of the Emerging Accounting Issues (E) Working Group and Statutory Accounting Issues (E) Working Group, actuarial guidelines, GAAP to SAP cross-reference chart, issue papers, policy statements, and implementation guidance for the annual financial reporting model regulation. A password-protected Web site allows access to updates to the Manual prior to the next publication. Updated annually.

Annual Statement Blanks

ASBH-OSS-2020, ASBL-OSS-2020, ASBP-OSS-2020, ASBT-OSS-2020, ASBS-OSS-2020, QSBH-OSS-2021, QSBP-OSS-2021, QSBT-OSS-2021

To be used with its companion products, this publication provides the appropriate format for filing annual statement data with the states and the NAIC. Proper use helps identify system changes that can improve the method in which data is first collected and allows users to ascertain if their annual statement software vendor has complied with NAIC requirements. Updated annually. NOTE: Annual Statement Blanks are produced and sold separately from Quarterly Statement Blanks.

Annual Statement Instructions

ASIH-OSS-2020, ASIL-OSS-2020, ASIP-OSS-2020, ASIT-OSS-2020, ASIH-OSS-2019, ASIL-OSS-2019, ASIP-OSS-2019, ASIT-OSS-2019, QSIH-OSS-2021, QSIL-OSS-2021, QSIP-OSS-2021, QSIT-OSS-2021

Includes a summary of changes to the instructions for the 2020 annual statement. Allows for proper preparation of annual statements, including all supplemental information that must also be filed to remain in compliance with NAIC and state mandates. Instructions provide guidance for completing the various pages of the statements when the line descriptions are not self-explanatory.

Auto Insurance Database

AUT-PB

Provides average costs associated with personal automobile insurance nationwide. This report, which shows state-by-state data, is designed to provide insurance regulators, consumers and legislators with information and analysis of auto insurance information. It makes information that impacts the price of auto insurance in each state readily available to insurance regulators monitoring the market and to the public. Included in the report are averages based on written premiums and exposures for the combined voluntary and residual market business. It also contains earned premiums, incurred losses, earned exposures and number of claims for both voluntary and residual market business. Updated annually.

Bond Mutual Fund List (SVO)

BMF-ZS

A listing of bond mutuals that meet conditions in the Purposes and Procedures Manual of the NAIC, qualifying them for more favorable reserve treatment. The Bank List meets credit standards specified for a variety of NAIC-approved purposes. The Bank List publication is no longer produced, and was last published in August 2017. See the SVO website for a similar list of what was included in this report.

Choosing a Medigap Policy

MED-LP

Provides advice for consumers faced with the decision of whether to purchase Medicare supplement insurance. In order to exemplify the construct of a Medigap Policy and highlight reasons why a person might consider purchasing such a product, a basic overview of Medicare is provided, including available coverage options, enrollment guidelines and a listing of Medicare's payable health services. This publication also contains basic facts on private health insurance, a comparison chart of 10 standardized health plans, shopping hints, and an in-depth explanation of consumers' rights and protections. Updated annually.

Company Licensing Best Practices Handbook

CLH-OP

This handbook's objective is to provide a framework that, while not preempting a state's authority, promotes consistent decisions while reviewing the standardized Uniform Certificate of Authority Application (UCAA) and helps improve the efficiency of the review process. This handbook is not intended to constitute a comprehensive company licensing procedures manual. Published following each National Meeting.

Compendium of State Laws on Insurance Topics (Discontinued Product in 2019)

CSL-ZM (2018 only), CSL-ZR (2018 only), CSL-ZU (2018 only)

Published through 2018, the Compendium was a three-volume compilation of legislative and regulatory data, consisting of more than 100 issue-specific charts, combining states' statutes and regulations on various insurance topics. The NAIC no longer publishes the Compendiumas a stand-alone publication. Instead, many of the charts are now included with the purchase of Model Laws, Regulations and Guidelines product. The Table of Contents for the Model Law products includes an index of the compatible charts for cross referencing and is 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. Each chart will continue to be updated at least once every two years. Archived charts will also be available for updating on a per-request basis for a fee. The NAIC Model Laws, Regulations, Guidelines, and Other Resources updates are now published three times annually following the NAIC's Spring, Summer, and Fall National Meetings. Compendium Index Compendium Table of Contents

Competition Database Report

CLR-OPS

The Competition Database Report is a reference for examining the competitiveness of state insurance markets. This report is meant to be a starting point for studies of competition and can provide insight when used to make multi-state and multi-year comparisons. The report includes various structural and performance measures that are readily determinable or available from NAIC databases or other sources. Updated annually.

Credit Life and Credit Accident and Health Insurance Experience Report

CRE-ZB

This report provides industrywide data for more than 500 individual insurers. Earned premiums, incurred losses, loss ratios and market share information for each type of insurance are displayed in separate sections for convenient analysis by line of business. Data is also shown for the two years immediately preceding the reported year to help regulators and other interested parties monitor trends in credit insurers' annual financial results. Updated annually.
  • CRE-ZB

    Credit Life and Credit Accident and Health Insurance Experience Report

    Free Download

Directory of Receivership and Run-off Resources

DAR-ZB

This directory is a comprehensive listing of accountants, actuaries, investment managers, lawyers, reinsurance specialists and general consultants who can help insurance departments administer receiverships. It provides contact names, addresses and a brief company overview for each person/firm listed in the directory. Updated annually.
  • DAR-ZB

    Directory of Receivership and Run-off Resources

    Free Download

Dwelling, Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owner's Insurance

HMR-ZU

Reports on homeowners dwelling, fire and tenant insurance. Contains a summary of market distribution and average cost by policy form and amounts of insurance-specific information for each state regarding number of homeowners policies written, amount of insurance and average premiums. Contains the latest available year of data. Updated annually.

Financial Analysis Handbook

FAH-ZU

First developed and released in 1997 by the NAIC Financial Analysis Handbook (E) Working Group, the purpose of this Handbook is to: 1) provide a uniform risk-focused analysis approach to more accurately identify insurers and/or holding company systems experiencing financial problems; and 2) identify prospective risks that pose the greatest potential for developing financial problems. Includes quantitative and qualitative procedures. The overall goal is to assist regulators in evaluating and better understanding insurers' risks in order to develop appropriate corrective action plans sooner, and, therefore, potentially decreasing the frequency and severity of insurance company insolvencies. Updated annually.

Financial Condition Examiners Handbook

EXF-OSS-2021, EXF-ZU-2020

This handbook provides a guide to assist state insurance departments in establishing an effective examination system. It provides an overview of the entire examination process and then offers specific instructions and suggestions for carrying out each individual phase of examination. This handbook is updated annually. Currently, the 2021 Financial Condition Examiners Handbook is available as a PDF via an online subscription service (OSS). This subscription service provides access to the published version of the handbook, and updates to the publication will be available in Account Manager. Subscriptions are specific to an individual user and access to the platform requires a redemption code, which will be provided via email following verification of the purchase.

Guide to Compliance with State Audit Requirements (Annual Financial Reporting Model Regulation #205)

GCA-ZU

This guide helps insurers comply with state regulatory requirements regarding annual audited financial reports and related correspondence. It summarizes key provisions of each state's requirements based on the Annual Financial Reporting Model Regulation (MDL-205), commonly known as the Model Audit Rule. A detailed chart includes statutory citations, filing deadlines, workpaper requirements, audit committee requirements and much more. Recently published in 2021.
  • GCA-ZU

    Guide to Compliance with State Audit Requirements (Annual Financial Reporting Model Regulation #205)

    Free Download

Health and Welfare Plans Under the Employee Retirement Income Security Act: Guidelines for State and Federal Regulation

ERS-OM

This handbook provides state insurance regulators with a resource guide to help them through the labyrinth of ERISA preemption analysis. ERISA, a federal statute that establishes a comprehensive regulatory framework for employee pension benefit plans, preempts most state laws. However, ERISA exempts from federal preemption any state law that regulates the business of insurance - but determining whether a state law is preempted by ERISA can be complex and confusing. Copyright 2004.

Insurance Department Directory

INS-OU

This directory contains a complete listing of the 56 insurance departments that are members of the NAIC. The directory provides biographical and contact information for each regulator, as well as important information about key personnel, including titles, telephone numbers, Web sites and e-mail addresses. Updated bi-annually.

Insurance Department Resources Report

STA-BB

The Insurance Department Resources Report provides key statistics on the resources and regulatory activities of the 56 NAIC-member jurisdictions. Comparative reports include a variety of information - including number of departmental staff, annual budgets, revenues collected, premium volume, number of insurers and producers, and number of consumer complaints filed. Data displayed for easy reference and comparison. Updated annually.
  • STA-BB

    Insurance Department Resources Report Volume One

    Free Download
  • STA-BB

    Insurance Department Resources Report Volume Two

    Free Download

Insurance Implications of Home-Sharing: Regulator Insights and Consumer Awareness

IHS-OP

The purpose of the white paper is to provide a central resource for regulators and non-regulators regarding the insurance implications of home-sharing. The white paper describes common exclusions found in homeowners and dwelling policies and outlines the coverage options for home-sharing hosts and guests. The white paper also highlights legal restrictions that may prohibit home-sharing in some areas and describes the type of coverage available by the largest home-sharing companies currently operating in the U.S. Copyright 2016.
  • IHS-OP

    Insurance Implications of Home-Sharing: Regulator Insights and Consumer Awareness

    Free Download

Insurance Regulatory Information Systems (IRIS) Ratios Manual

RRI-ZU , RRI-ZU, UIR-ZB

IRIS Ratios Manual is also part of the Financial Analysis Solvency Tools (FAST). This publication contributes to the goal of providing state insurance departments with an integrated approach to screening and analyzing the financial condition of insurance companies by explaining ratio calculations and providing worksheets and benchmarks that are part of the NAIC's IRIS. Updated annually.

Life Insurance Buyer's Guide

LIG-LP

The Life Insurance Buyer's Guide is a one-stop-shop for information related to life insurance. It provides useful insight into the types of policies available and helps you estimate how much insurance will provide adequate coverage, depending on your individual need. With a focus on finding the right policy at a good value, the publication details important facts to discuss with insurance providers and addresses the implications associated with dropping a policy once it has been purchased.

Listing of Companies (Detailed)

LOC-DEC-2019, LOC-JUN-2020, LOC-DEC-2020

Provides detailed demographic information on more than 5,000 Property, Life and Fraternal, Health, and Title insurers, as well as more than 17,000 offshore alien insurers and reinsurers included in the NAIC database. The product is a zipped file of individual reports in comma-separated values format and is available in Account Manager upon confirmation of purchase. Each report includes a record layout to assist with downloading the files for use in a spreadsheet or database. Published semiannually.

Listing of Companies Summary

LOC-ZU

Provides domestic company codes and names for more than 5,000 Property, Life and Fraternal, Health, and Title insurers, as well as more than 17,000 offshore alien insurers and reinsurers included in the NAIC database. It also indicates the status of the company and provides all necessary information for completing the reinsurer-related requirements in Schedule F and Schedule S of the annual and quarterly statements. This publication should be used to ensure that all financial filings conform to NAIC requirements. Posted semiannually. Financial Statement Data Purchase the data that is the basis of this report and manipulate it to achieve the best possible results for your research. Contact us today at 816-783-8300 or idp@naic.org for a quote!

Long-Term Care Experience Reports

LTC-LR

Based on the Long-Term Care Insurance Experience Reporting Forms for the annual statement filed with the NAIC, this publication helps regulators monitor and provide data specific to this coverage. Starting in 2009, the NAIC replaced the prior forms (Forms A, B and C) with entirely new forms (Forms 1, 2, 3, 4 and 5). Form 1 focuses on the critical assumptions of morbidity and persistency while still presenting high-level loss ratio data. Form 2 focuses on the developing level of funds from the issue age premium basis and compares this to the active life reserve. Form 4 tracks life insurance and annuity products that have long-term care benefits provided by acceleration of certain benefits within these products. Form 5 requires information at the state level. Updated annually.

Market Regulation Handbook

MKR-OSS

This publication combines information from the Market Conduct Examiners Handbook and the Market Analysis Handbook into one comprehensive source of reference material from the continuum of regulatory responses to potential market concerns. The goal with this publication is to help market regulators conduct uniform, standardized market analysis and market conduct examinations. Updated annually. New in 2020 - Due to the work-from-home and social distancing requirements caused by the COVID-19 pandemic, the NAIC has suspended shipment of publications. However, demand remains high for accessible content in a work-from-home environment. As a result, there is a business need to make access to online content available to customers working remotely. In order to meet these needs, the NAIC is pleased to announce the 2020 Market Regulation Handbook will be offered as a digital-only publication via an online subscription service (OSS). This new subscription service provides access to the published version of the handbook, and Market Regulation Handbook Reference Documents will be available in Account Manager. Modifications to the handbook will be uploaded to the OSS platform as they become available following each interim and national meeting of the Market Regulation and Consumer Affairs (D) Committee. Subscriptions are specific to an individual user and access to the platform requires a redemption code, which will be provided via email following verification of the purchase.

Market Regulation Handbook - Examination Standards Summary

MES-HB

Designed to serve as a compilation of the market conduct examination standards found in Chapters 20 - 32 of the Market Regulation Handbook. Arranged and organized by chapter and area of examination, regulated entities might find this summary useful in creating an outline for internal review templates. Please note: This summary does not represent all examination standards, methodologies and areas of review that could be utilized by an insurance department. Updated annually.
  • MES-HB

    Market Regulation Handbook — Examination Standards Summary

    Free Download

Market Share Reports for Groups and Companies

MSR-HB, MSR-LB, MSR-PB

An easy reference for identifying top writers by premium volume. Allows monitoring of increases and decreases in market share and overall level of market concentration. The Property/Casualty reports include the top 10 company groups by state and the top 125 groups countrywide for each P/C annual statement line of business. The Life and Fraternal reports contain the top 125 groups by state and countrywide for life insurance, annuity considerations and total premiums written. The Accident & Health reports contain the top 125 groups by state and countrywide for total A&H premiums written. Contains the latest available year of data. Updated annually.

Medicare Supplement Loss Ratios Report

MED-BB

This report contains the latest available data drawn from Medicare Supplement Insurance Expense Exhibits filed with the NAIC. It identifies direct premiums earned, market share, direct claims incurred and loss ratios on a countrywide basis. A listing of the top 10 companies by state by direct premiums earned is also included in this report. Reports available since 1990. Updated annually.

NAIC Model Laws, Regulations, Guidelines and Other Resources

MDL-SP21-OSS, MDL-SP20-OSS, MDL-SU20-OSS, MDL-FA20-OSS

This product provides access to every NAIC model law, regulation, and guideline currently published. By selecting this publication, it allows access to Account Manager to view state law charts related to the Model Laws. 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. Compendium of State Laws that pertain to one or more NAIC Model Laws are made available online through the NAIC's Account Manager with the purchase of the Model Laws product. The Table of Contents for the Model Laws products will include an index of the compatible charts for cross referencing (Related Charts: State Laws on Insurance Topics), and the charts themselves will be available via a link in the NAIC's Account Manager system. Published three times annually following the NAIC's Spring, Summer, and Fall National Meetings. April Spring Release 2021 - The publication is now available as a PDF via an online subscription service (OSS) through Account Manager. Subscriptions are specific to an individual user and access to the platform requires a redemption code, which will be provided via email following verification of the purchase. This digital publication is now offered as three separate products, which will include the full six-volume set as well as updates that occur after the NAIC's Spring, Summer, and Fall National Meetings. Information will be provided at the beginning of each product showing the updated material within the product. Access to Related Charts: State Laws on Insurance Topics will be available via a link in Account Manager. Individual Model Laws Model Law Development

NAIC U.S. Government Money Market Fund List

MMF-ZS

A listing of mutual funds that meet conditions in the Purposes and Procedures Manual of the NAIC, qualifying them for more favorable reserve treatment. The Bank List meets credit standards specified for a variety of NAIC-approved purposes. The Bank List publication is no longer produced, and was last published in August 2017. See the SVO website for a similar list of what was included in this report.

NCCI Examination Report

NCI-ZU, NCS-ZO

The NCCI Examination Report is a comprehensive examination of the data collection and rate-making activities of the National Council on Compensation Insurance. This publication offers practical considerations about implementing a loss-cost system in workers' compensation. Copyright 1991.

ORSA Guidance Manual

ORSA

The ORSA Guidance Manual provides guidance to an insurer and/or an insurance group of which the insurer is a member regarding the reporting of its Own Risk and Solvency Assessment (ORSA) as required by the domestic state's version of the Risk Management and Own Risk and Solvency Assessment Model Act (#505).

Pet Insurance White Paper

PIN-OP

Proceedings of the NAIC

PRC-ZS

Designed as a premier research tool, the Proceedings of the NAIC is the official, permanent record of all NAIC action, including model laws and regulations, as well as committee and task force minutes and reports. Published following each national meeting.

Product Filing Review Handbook

PFR-HDB

An easy reference guide regarding the review of rate, rule and form filings to be used by insurance companies. Includes references to NAIC product filing tools and instructions. Its use will help insurance regulators provide speed-to-market for insurers, while continuing to maintain a high level of protection for consumers. Recommendations are aimed at adding uniformity and consistency to regulatory processes, while being responsive to state-specific needs.

Profitability by Line by State

PBL-PB

Statistics derived from state page data in the annual statement and the Insurance Expense Exhibit can be used to compare profitability among different states and property/casualty lines. For each line and each state, this publication presents aggregate statistics on premiums, losses, expenses, investment income and estimated profits for the preceding calendar year. Also shows estimated underwriting profits and operating profits, as well as estimated federal taxes. Updated annually.

Purposes and Procedures Manual of the NAIC Investment Analysis Office

APP-OSS-2021, PPM-OSS-2020

This publication is the primary source for insurers to comply with the NAIC's reporting requirements. Contains the NAIC's credit assessment methodologies and valuation policies, and takes precedence over other publications covering a number of categories. Subscription includes periodic e-mail alerts directly from the Capital Markets & Investment Analysis Office. Updated annually.

Quarterly Listing of Alien Insurers

QLS-AS

Includes alien insurers that have fulfilled the criteria in the International Insurers Department Plan of Operation. Currently lists alien companies and Lloyd's syndicates with their city and country of domicile. It also provides information about the trust accounts of all currently listed insurers and includes: location of trust account, minimum required balance or trust account, market value of trust account, whether the account is funded by a letter of credit and the trustee bank contacts with their telephone and fax numbers. Updated quarterly.

Receivers Handbook for Insurance Company Insolvencies

REC-BU

Provides the most current, complete information available on administering insurance company receiverships. Represents more than two years of work compiling information from more than 50 authorities, including actuaries, accountants and consultants who regularly work on receiverships. Fully indexed and cross-referenced to make research easy. Chapters discuss takeover and administration; data processing; accounting and financial analysis; investigation and asset recovery; claims; guaranty funds; reinsurance; special receiverships; and legal considerations.
  • REC-BU

    Receivers Handbook for Insurance Company Insolvencies

    Free Download

Retaliation: A Guide to State Retaliatory Taxes, Fees, Deposits and Other Requirements

RET-ZU

The Retaliation Guide offers a complete listing of each state's retaliatory tax rates resulting from companies selling insurance products across state lines. This publication includes important information about other taxes and assessments, exclusions and deductions, credits, payment due dates, penalties, extensions, fees and deposits. Volume I tracks changes in laws and fees; Volume II includes information on state tax forms. Updated annually.

Risk Retention and Purchasing Group Handbook

RIS-BB

The Risk Retention and Purchasing Group Handbook explores the provisions and requirements of the Liability Risk Retention Act of 1986 (LRRA) and the NAIC Model Risk Retention Act. The question of which aspects of state laws have been preempted by the LRRA and which have not is the overall issue that has given rise to many of the other issues. The handbook attempts to explain the various approaches that the states have taken in dealing with these issues. Copyright 2013. Appendix C of the Risk Retention and Purchasing Group Handbook has been updated. As of August 2019, the contact information is current as provided to the NAIC by the state insurance departments. Since 2009, this list is updated every year to provide the most up-to-date contact information available. Appendix C - RRG State Insurance Department Contacts
  • RIS-BB

    Risk Retention and Purchasing Group Handbook

    Free Download

Risk-Based Capital Forecasting and Instructions

RBCH-OSS-2020, RBCL-OSS-2020, RBCP-OSS-2020

The RBC Forecasting and Instructions provides continual analysis of RBC data and includes forecasting software, overview and instructions, and newsletter. The RBC Forecasting and Instructions explains the RBC formula, which should be helpful to anyone responsible for submitting data. Revisions are identified in bold font and summarized in a memo included within the publication. Updated annually.

Shopper's Guide to Long-Term Care Insurance

LTC-LP

This guide presents current and potential users of long-term care insurance with valuable information. For those considering the purchase of long-term care insurance, buyers' guidelines are incorporated in a consumer-friendly, easy-to-read format. The guide includes an overview of long-term care insurance, as well as payment and purchasing options, worksheets, shopping tips and the various policy and benefit plans available. The guide also contains a comprehensive contact list for every state insurance department. Updated annually. Copyright 2013.
  • LTC-LP

    A Shopper's Guide to Long-Term Care Insurance

    Free Download

State Licensing Handbook

STL-HB

Provides guidance and contains suggested best practices for state insurance departments in administering a producer-licensing program. Assists regulators in continued movement toward uniformity in licensing procedures among the states. Also includes information about other types of licensing programs; e.g., adjusters, bail bond agents, etc. This handbook is based on the Producer Licensing Model Act (MDL-218), the Uniform Resident Licensing Standards and other guidelines. Updated biennially. For more information, please access : https://content.naic.org/state_licensing_handbook.htm

States' Prescribed Differences from NAIC Statutory Accounting Principles

SPD-OPS

The Accounting Practices and Procedures Manual presents a comprehensive basis of accounting that should be followed if not in conflict with state statutes and/or regulations. Should the domiciliary state set forth accounting guidance that differs from the AP&P Manual, disclosures of such must be made. This publication provides information regarding each state's prescribed differences from NAIC statutory accounting principles, including a citation to the respective state statute and/or regulation. Updated annually.
  • SPD-OPS

    States' Prescribed Differences from NAIC Statutory Accounting Principles

    Free Download

Statistical Compilation of Annual Statement Information

STA-HB, STA-LS, STA-PS

The Statistical Compilation provides aggregate annual statement data for property/casualty, life/health insurance companies, all HMOs and companies that write accident and health insurance and file annual statements with the NAIC. Divided into three sections - Annual. Statement Financial Data, State and Countrywide Insurance Data, and Selected Data Elements from Company and Combined Statements - the information provided will satisfy a wide range of needs and uses. Updated annually.

Supplemental Health Care Exhibit Report

HCS-ZB

The Supplemental Health Care Exhibit Report is based off the new Supplemental Health Care Exhibit, which was created as a tool to comply with new federal legislation. Aggregated annual statement data, market share data sorted by covered lives and by earned premium, as well the top 10 groups/companies by health premiums earned are included within the report to provide state and federal regulators with aggregated, more granular financial information reported by health plans. This information will assist in identifying and defining elements that make up the medical loss ratio (MLR), evaluating health plan profitability, and tracking and comparing financial results of health care business as reported in the annual financial statements.

Synopsis

SYN-ZS

The Synopsis is a brief, handy overview of the activity at each NAIC national meeting. It also includes summaries of interim meetings, task force updates, progress reports, issue debates and new business discussions. Published following each national meeting.

Uniform Certificate of Authority Application (UCAA) Instructions

UCA-OPA

The UCAA Instructions are designed to assist companies in filing a primary application, an expansion application or corporate amendment to the certificate of authority. Adopted modifications to the instructions will be posted within three weeks following each National Meeting and made available for download in .pdf format with the revision date.

Valuation Manual

VM

The Valuation Manual sets forth the minimum reserve and related requirements for jurisdictions where the Standard Valuation Law, as amended by the National Association of Insurance Commissioners (NAIC) in 2009, or legislation including substantially similar terms and provisions has been enacted by jurisdictions, and this Valuation Manual (VM) is operative. Requirements in the Valuation Manual are applicable to life insurance, accident and health insurance, and deposit-type contracts. Annuity contracts are therefore included within the term life insurance contracts unless specifically indicated otherwise in this Valuation Manual.

White Paper on Cannabis

CAN-WP

This white paper provides information to state insurance regulators, insurers and the broader public about the architecture of the cannabis business supply chain, types of insurance needed by the cannabis industry, the availability of cannabis business insurance in state insurance markets and the extent of insurance gaps, and best practices that state insurance regulators can adopt to encourage insurers to write insurance for the cannabis industry. Copyright 2019.

Workers' Compensation Large Deductible Study

WCD-OP

The 2016 Workers' Compensation Large Deductible Study provides regulators, workers' compensation insurers and employers with valuable information about the appropriate use of large deductibles. It is intended to serve as a resource to insurers, third party administrators, professional employer organizations, guaranty associations and regulators showing how large deductible policies work and special issues that can arise with their use. The paper revisits and reconsiders issues raised in a similar 2006 Workers' Compensation Large Deductible Study.
  • WCD-OP

    Workers' Compensation Large Deductible Study

    Free Download

Accounting Practices and Procedures Manual

APP-OSS-2021, APP-OSS-2020, APP-UPD

The Manual includes all statutory accounting guidance that has been adopted by the NAIC as of March. Appendices contain excerpts of applicable NAIC model laws, interpretations of the Emerging Accounting Issues (E) Working Group and Statutory Accounting Issues (E) Working Group, actuarial guidelines, GAAP to SAP cross-reference chart, issue papers, policy statements, and implementation guidance for the annual financial reporting model regulation. A password-protected Web site allows access to updates to the Manual prior to the next publication. Updated annually.

Annual Statement Blanks

ASBH-OSS-2020, ASBL-OSS-2020, ASBP-OSS-2020, ASBT-OSS-2020, ASBS-OSS-2020, QSBH-OSS-2021, QSBP-OSS-2021, QSBT-OSS-2021

To be used with its companion products, this publication provides the appropriate format for filing annual statement data with the states and the NAIC. Proper use helps identify system changes that can improve the method in which data is first collected and allows users to ascertain if their annual statement software vendor has complied with NAIC requirements. Updated annually. NOTE: Annual Statement Blanks are produced and sold separately from Quarterly Statement Blanks.

Annual Statement Instructions

ASIH-OSS-2020, ASIL-OSS-2020, ASIP-OSS-2020, ASIT-OSS-2020, ASIH-OSS-2019, ASIL-OSS-2019, ASIP-OSS-2019, ASIT-OSS-2019, QSIH-OSS-2021, QSIL-OSS-2021, QSIP-OSS-2021, QSIT-OSS-2021

Includes a summary of changes to the instructions for the 2020 annual statement. Allows for proper preparation of annual statements, including all supplemental information that must also be filed to remain in compliance with NAIC and state mandates. Instructions provide guidance for completing the various pages of the statements when the line descriptions are not self-explanatory.

Compendium of State Laws on Insurance Topics (Discontinued Product in 2019)

CSL-ZM (2018 only), CSL-ZR (2018 only), CSL-ZU (2018 only)

Published through 2018, the Compendium was a three-volume compilation of legislative and regulatory data, consisting of more than 100 issue-specific charts, combining states' statutes and regulations on various insurance topics. The NAIC no longer publishes the Compendiumas a stand-alone publication. Instead, many of the charts are now included with the purchase of Model Laws, Regulations and Guidelines product. The Table of Contents for the Model Law products includes an index of the compatible charts for cross referencing and is 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. Each chart will continue to be updated at least once every two years. Archived charts will also be available for updating on a per-request basis for a fee. The NAIC Model Laws, Regulations, Guidelines, and Other Resources updates are now published three times annually following the NAIC's Spring, Summer, and Fall National Meetings. Compendium Index Compendium Table of Contents

Financial Condition Examiners Handbook

EXF-OSS-2021, EXF-ZU-2020

This handbook provides a guide to assist state insurance departments in establishing an effective examination system. It provides an overview of the entire examination process and then offers specific instructions and suggestions for carrying out each individual phase of examination. This handbook is updated annually. Currently, the 2021 Financial Condition Examiners Handbook is available as a PDF via an online subscription service (OSS). This subscription service provides access to the published version of the handbook, and updates to the publication will be available in Account Manager. Subscriptions are specific to an individual user and access to the platform requires a redemption code, which will be provided via email following verification of the purchase.

Listing of Companies (Detailed)

LOC-DEC-2019, LOC-JUN-2020, LOC-DEC-2020

Provides detailed demographic information on more than 5,000 Property, Life and Fraternal, Health, and Title insurers, as well as more than 17,000 offshore alien insurers and reinsurers included in the NAIC database. The product is a zipped file of individual reports in comma-separated values format and is available in Account Manager upon confirmation of purchase. Each report includes a record layout to assist with downloading the files for use in a spreadsheet or database. Published semiannually.

Market Regulation Handbook

MKR-OSS

This publication combines information from the Market Conduct Examiners Handbook and the Market Analysis Handbook into one comprehensive source of reference material from the continuum of regulatory responses to potential market concerns. The goal with this publication is to help market regulators conduct uniform, standardized market analysis and market conduct examinations. Updated annually. New in 2020 - Due to the work-from-home and social distancing requirements caused by the COVID-19 pandemic, the NAIC has suspended shipment of publications. However, demand remains high for accessible content in a work-from-home environment. As a result, there is a business need to make access to online content available to customers working remotely. In order to meet these needs, the NAIC is pleased to announce the 2020 Market Regulation Handbook will be offered as a digital-only publication via an online subscription service (OSS). This new subscription service provides access to the published version of the handbook, and Market Regulation Handbook Reference Documents will be available in Account Manager. Modifications to the handbook will be uploaded to the OSS platform as they become available following each interim and national meeting of the Market Regulation and Consumer Affairs (D) Committee. Subscriptions are specific to an individual user and access to the platform requires a redemption code, which will be provided via email following verification of the purchase.

NAIC Model Laws, Regulations, Guidelines and Other Resources

MDL-SP21-OSS, MDL-SP20-OSS, MDL-SU20-OSS, MDL-FA20-OSS

This product provides access to every NAIC model law, regulation, and guideline currently published. By selecting this publication, it allows access to Account Manager to view state law charts related to the Model Laws. 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. Compendium of State Laws that pertain to one or more NAIC Model Laws are made available online through the NAIC's Account Manager with the purchase of the Model Laws product. The Table of Contents for the Model Laws products will include an index of the compatible charts for cross referencing (Related Charts: State Laws on Insurance Topics), and the charts themselves will be available via a link in the NAIC's Account Manager system. Published three times annually following the NAIC's Spring, Summer, and Fall National Meetings. April Spring Release 2021 - The publication is now available as a PDF via an online subscription service (OSS) through Account Manager. Subscriptions are specific to an individual user and access to the platform requires a redemption code, which will be provided via email following verification of the purchase. This digital publication is now offered as three separate products, which will include the full six-volume set as well as updates that occur after the NAIC's Spring, Summer, and Fall National Meetings. Information will be provided at the beginning of each product showing the updated material within the product. Access to Related Charts: State Laws on Insurance Topics will be available via a link in Account Manager. Individual Model Laws Model Law Development

Purposes and Procedures Manual of the NAIC Investment Analysis Office

APP-OSS-2021, PPM-OSS-2020

This publication is the primary source for insurers to comply with the NAIC's reporting requirements. Contains the NAIC's credit assessment methodologies and valuation policies, and takes precedence over other publications covering a number of categories. Subscription includes periodic e-mail alerts directly from the Capital Markets & Investment Analysis Office. Updated annually.

Risk-Based Capital Forecasting and Instructions

RBCH-OSS-2020, RBCL-OSS-2020, RBCP-OSS-2020

The RBC Forecasting and Instructions provides continual analysis of RBC data and includes forecasting software, overview and instructions, and newsletter. The RBC Forecasting and Instructions explains the RBC formula, which should be helpful to anyone responsible for submitting data. Revisions are identified in bold font and summarized in a memo included within the publication. Updated annually.

Accident and Health Policy Experience Report

AHP-LR

Offers valuable and in-demand information on health insurance. Derived from the NAIC Accident and Health Policy Experience Exhibit, the report includes aggregated data from the exhibit in the P&C, health, life and fraternal blanks; extensive breakouts of market share data; company index; and important statistics - such as loss ratios, number of policies and certificates, and number of covered lives. Updated annually.
  • AHP-LR

    Accident and Health Policy Experience Report

    Free Download

Auto Insurance Database

AUT-PB

Provides average costs associated with personal automobile insurance nationwide. This report, which shows state-by-state data, is designed to provide insurance regulators, consumers and legislators with information and analysis of auto insurance information. It makes information that impacts the price of auto insurance in each state readily available to insurance regulators monitoring the market and to the public. Included in the report are averages based on written premiums and exposures for the combined voluntary and residual market business. It also contains earned premiums, incurred losses, earned exposures and number of claims for both voluntary and residual market business. Updated annually.

Bond Mutual Fund List (SVO)

BMF-ZS

A listing of bond mutuals that meet conditions in the Purposes and Procedures Manual of the NAIC, qualifying them for more favorable reserve treatment. The Bank List meets credit standards specified for a variety of NAIC-approved purposes. The Bank List publication is no longer produced, and was last published in August 2017. See the SVO website for a similar list of what was included in this report.

Choosing a Medigap Policy

MED-LP

Provides advice for consumers faced with the decision of whether to purchase Medicare supplement insurance. In order to exemplify the construct of a Medigap Policy and highlight reasons why a person might consider purchasing such a product, a basic overview of Medicare is provided, including available coverage options, enrollment guidelines and a listing of Medicare's payable health services. This publication also contains basic facts on private health insurance, a comparison chart of 10 standardized health plans, shopping hints, and an in-depth explanation of consumers' rights and protections. Updated annually.

Company Licensing Best Practices Handbook

CLH-OP

This handbook's objective is to provide a framework that, while not preempting a state's authority, promotes consistent decisions while reviewing the standardized Uniform Certificate of Authority Application (UCAA) and helps improve the efficiency of the review process. This handbook is not intended to constitute a comprehensive company licensing procedures manual. Published following each National Meeting.

Competition Database Report

CLR-OPS

The Competition Database Report is a reference for examining the competitiveness of state insurance markets. This report is meant to be a starting point for studies of competition and can provide insight when used to make multi-state and multi-year comparisons. The report includes various structural and performance measures that are readily determinable or available from NAIC databases or other sources. Updated annually.

Credit Life and Credit Accident and Health Insurance Experience Report

CRE-ZB

This report provides industrywide data for more than 500 individual insurers. Earned premiums, incurred losses, loss ratios and market share information for each type of insurance are displayed in separate sections for convenient analysis by line of business. Data is also shown for the two years immediately preceding the reported year to help regulators and other interested parties monitor trends in credit insurers' annual financial results. Updated annually.
  • CRE-ZB

    Credit Life and Credit Accident and Health Insurance Experience Report

    Free Download

Directory of Receivership and Run-off Resources

DAR-ZB

This directory is a comprehensive listing of accountants, actuaries, investment managers, lawyers, reinsurance specialists and general consultants who can help insurance departments administer receiverships. It provides contact names, addresses and a brief company overview for each person/firm listed in the directory. Updated annually.
  • DAR-ZB

    Directory of Receivership and Run-off Resources

    Free Download

Dwelling, Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owner's Insurance

HMR-ZU

Reports on homeowners dwelling, fire and tenant insurance. Contains a summary of market distribution and average cost by policy form and amounts of insurance-specific information for each state regarding number of homeowners policies written, amount of insurance and average premiums. Contains the latest available year of data. Updated annually.

Financial Analysis Handbook

FAH-ZU

First developed and released in 1997 by the NAIC Financial Analysis Handbook (E) Working Group, the purpose of this Handbook is to: 1) provide a uniform risk-focused analysis approach to more accurately identify insurers and/or holding company systems experiencing financial problems; and 2) identify prospective risks that pose the greatest potential for developing financial problems. Includes quantitative and qualitative procedures. The overall goal is to assist regulators in evaluating and better understanding insurers' risks in order to develop appropriate corrective action plans sooner, and, therefore, potentially decreasing the frequency and severity of insurance company insolvencies. Updated annually.

Guide to Compliance with State Audit Requirements (Annual Financial Reporting Model Regulation #205)

GCA-ZU

This guide helps insurers comply with state regulatory requirements regarding annual audited financial reports and related correspondence. It summarizes key provisions of each state's requirements based on the Annual Financial Reporting Model Regulation (MDL-205), commonly known as the Model Audit Rule. A detailed chart includes statutory citations, filing deadlines, workpaper requirements, audit committee requirements and much more. Recently published in 2021.
  • GCA-ZU

    Guide to Compliance with State Audit Requirements (Annual Financial Reporting Model Regulation #205)

    Free Download

Health and Welfare Plans Under the Employee Retirement Income Security Act: Guidelines for State and Federal Regulation

ERS-OM

This handbook provides state insurance regulators with a resource guide to help them through the labyrinth of ERISA preemption analysis. ERISA, a federal statute that establishes a comprehensive regulatory framework for employee pension benefit plans, preempts most state laws. However, ERISA exempts from federal preemption any state law that regulates the business of insurance - but determining whether a state law is preempted by ERISA can be complex and confusing. Copyright 2004.

Insurance Department Directory

INS-OU

This directory contains a complete listing of the 56 insurance departments that are members of the NAIC. The directory provides biographical and contact information for each regulator, as well as important information about key personnel, including titles, telephone numbers, Web sites and e-mail addresses. Updated bi-annually.

Insurance Department Resources Report

STA-BB

The Insurance Department Resources Report provides key statistics on the resources and regulatory activities of the 56 NAIC-member jurisdictions. Comparative reports include a variety of information - including number of departmental staff, annual budgets, revenues collected, premium volume, number of insurers and producers, and number of consumer complaints filed. Data displayed for easy reference and comparison. Updated annually.
  • STA-BB

    Insurance Department Resources Report Volume One

    Free Download
  • STA-BB

    Insurance Department Resources Report Volume Two

    Free Download

Insurance Implications of Home-Sharing: Regulator Insights and Consumer Awareness

IHS-OP

The purpose of the white paper is to provide a central resource for regulators and non-regulators regarding the insurance implications of home-sharing. The white paper describes common exclusions found in homeowners and dwelling policies and outlines the coverage options for home-sharing hosts and guests. The white paper also highlights legal restrictions that may prohibit home-sharing in some areas and describes the type of coverage available by the largest home-sharing companies currently operating in the U.S. Copyright 2016.
  • IHS-OP

    Insurance Implications of Home-Sharing: Regulator Insights and Consumer Awareness

    Free Download

Insurance Regulatory Information Systems (IRIS) Ratios Manual

RRI-ZU , RRI-ZU, UIR-ZB

IRIS Ratios Manual is also part of the Financial Analysis Solvency Tools (FAST). This publication contributes to the goal of providing state insurance departments with an integrated approach to screening and analyzing the financial condition of insurance companies by explaining ratio calculations and providing worksheets and benchmarks that are part of the NAIC's IRIS. Updated annually.

Life Insurance Buyer's Guide

LIG-LP

The Life Insurance Buyer's Guide is a one-stop-shop for information related to life insurance. It provides useful insight into the types of policies available and helps you estimate how much insurance will provide adequate coverage, depending on your individual need. With a focus on finding the right policy at a good value, the publication details important facts to discuss with insurance providers and addresses the implications associated with dropping a policy once it has been purchased.

Listing of Companies Summary

LOC-ZU

Provides domestic company codes and names for more than 5,000 Property, Life and Fraternal, Health, and Title insurers, as well as more than 17,000 offshore alien insurers and reinsurers included in the NAIC database. It also indicates the status of the company and provides all necessary information for completing the reinsurer-related requirements in Schedule F and Schedule S of the annual and quarterly statements. This publication should be used to ensure that all financial filings conform to NAIC requirements. Posted semiannually. Financial Statement Data Purchase the data that is the basis of this report and manipulate it to achieve the best possible results for your research. Contact us today at 816-783-8300 or idp@naic.org for a quote!

Long-Term Care Experience Reports

LTC-LR

Based on the Long-Term Care Insurance Experience Reporting Forms for the annual statement filed with the NAIC, this publication helps regulators monitor and provide data specific to this coverage. Starting in 2009, the NAIC replaced the prior forms (Forms A, B and C) with entirely new forms (Forms 1, 2, 3, 4 and 5). Form 1 focuses on the critical assumptions of morbidity and persistency while still presenting high-level loss ratio data. Form 2 focuses on the developing level of funds from the issue age premium basis and compares this to the active life reserve. Form 4 tracks life insurance and annuity products that have long-term care benefits provided by acceleration of certain benefits within these products. Form 5 requires information at the state level. Updated annually.

Market Regulation Handbook - Examination Standards Summary

MES-HB

Designed to serve as a compilation of the market conduct examination standards found in Chapters 20 - 32 of the Market Regulation Handbook. Arranged and organized by chapter and area of examination, regulated entities might find this summary useful in creating an outline for internal review templates. Please note: This summary does not represent all examination standards, methodologies and areas of review that could be utilized by an insurance department. Updated annually.
  • MES-HB

    Market Regulation Handbook — Examination Standards Summary

    Free Download

Market Share Reports for Groups and Companies

MSR-HB, MSR-LB, MSR-PB

An easy reference for identifying top writers by premium volume. Allows monitoring of increases and decreases in market share and overall level of market concentration. The Property/Casualty reports include the top 10 company groups by state and the top 125 groups countrywide for each P/C annual statement line of business. The Life and Fraternal reports contain the top 125 groups by state and countrywide for life insurance, annuity considerations and total premiums written. The Accident & Health reports contain the top 125 groups by state and countrywide for total A&H premiums written. Contains the latest available year of data. Updated annually.

Medicare Supplement Loss Ratios Report

MED-BB

This report contains the latest available data drawn from Medicare Supplement Insurance Expense Exhibits filed with the NAIC. It identifies direct premiums earned, market share, direct claims incurred and loss ratios on a countrywide basis. A listing of the top 10 companies by state by direct premiums earned is also included in this report. Reports available since 1990. Updated annually.

NAIC U.S. Government Money Market Fund List

MMF-ZS

A listing of mutual funds that meet conditions in the Purposes and Procedures Manual of the NAIC, qualifying them for more favorable reserve treatment. The Bank List meets credit standards specified for a variety of NAIC-approved purposes. The Bank List publication is no longer produced, and was last published in August 2017. See the SVO website for a similar list of what was included in this report.

NCCI Examination Report

NCI-ZU, NCS-ZO

The NCCI Examination Report is a comprehensive examination of the data collection and rate-making activities of the National Council on Compensation Insurance. This publication offers practical considerations about implementing a loss-cost system in workers' compensation. Copyright 1991.

ORSA Guidance Manual

ORSA

The ORSA Guidance Manual provides guidance to an insurer and/or an insurance group of which the insurer is a member regarding the reporting of its Own Risk and Solvency Assessment (ORSA) as required by the domestic state's version of the Risk Management and Own Risk and Solvency Assessment Model Act (#505).

Pet Insurance White Paper

PIN-OP

Proceedings of the NAIC

PRC-ZS

Designed as a premier research tool, the Proceedings of the NAIC is the official, permanent record of all NAIC action, including model laws and regulations, as well as committee and task force minutes and reports. Published following each national meeting.

Product Filing Review Handbook

PFR-HDB

An easy reference guide regarding the review of rate, rule and form filings to be used by insurance companies. Includes references to NAIC product filing tools and instructions. Its use will help insurance regulators provide speed-to-market for insurers, while continuing to maintain a high level of protection for consumers. Recommendations are aimed at adding uniformity and consistency to regulatory processes, while being responsive to state-specific needs.

Profitability by Line by State

PBL-PB

Statistics derived from state page data in the annual statement and the Insurance Expense Exhibit can be used to compare profitability among different states and property/casualty lines. For each line and each state, this publication presents aggregate statistics on premiums, losses, expenses, investment income and estimated profits for the preceding calendar year. Also shows estimated underwriting profits and operating profits, as well as estimated federal taxes. Updated annually.

Quarterly Listing of Alien Insurers

QLS-AS

Includes alien insurers that have fulfilled the criteria in the International Insurers Department Plan of Operation. Currently lists alien companies and Lloyd's syndicates with their city and country of domicile. It also provides information about the trust accounts of all currently listed insurers and includes: location of trust account, minimum required balance or trust account, market value of trust account, whether the account is funded by a letter of credit and the trustee bank contacts with their telephone and fax numbers. Updated quarterly.

Receivers Handbook for Insurance Company Insolvencies

REC-BU

Provides the most current, complete information available on administering insurance company receiverships. Represents more than two years of work compiling information from more than 50 authorities, including actuaries, accountants and consultants who regularly work on receiverships. Fully indexed and cross-referenced to make research easy. Chapters discuss takeover and administration; data processing; accounting and financial analysis; investigation and asset recovery; claims; guaranty funds; reinsurance; special receiverships; and legal considerations.
  • REC-BU

    Receivers Handbook for Insurance Company Insolvencies

    Free Download

Retaliation: A Guide to State Retaliatory Taxes, Fees, Deposits and Other Requirements

RET-ZU

The Retaliation Guide offers a complete listing of each state's retaliatory tax rates resulting from companies selling insurance products across state lines. This publication includes important information about other taxes and assessments, exclusions and deductions, credits, payment due dates, penalties, extensions, fees and deposits. Volume I tracks changes in laws and fees; Volume II includes information on state tax forms. Updated annually.

Risk Retention and Purchasing Group Handbook

RIS-BB

The Risk Retention and Purchasing Group Handbook explores the provisions and requirements of the Liability Risk Retention Act of 1986 (LRRA) and the NAIC Model Risk Retention Act. The question of which aspects of state laws have been preempted by the LRRA and which have not is the overall issue that has given rise to many of the other issues. The handbook attempts to explain the various approaches that the states have taken in dealing with these issues. Copyright 2013. Appendix C of the Risk Retention and Purchasing Group Handbook has been updated. As of August 2019, the contact information is current as provided to the NAIC by the state insurance departments. Since 2009, this list is updated every year to provide the most up-to-date contact information available. Appendix C - RRG State Insurance Department Contacts
  • RIS-BB

    Risk Retention and Purchasing Group Handbook

    Free Download

Shopper's Guide to Long-Term Care Insurance

LTC-LP

This guide presents current and potential users of long-term care insurance with valuable information. For those considering the purchase of long-term care insurance, buyers' guidelines are incorporated in a consumer-friendly, easy-to-read format. The guide includes an overview of long-term care insurance, as well as payment and purchasing options, worksheets, shopping tips and the various policy and benefit plans available. The guide also contains a comprehensive contact list for every state insurance department. Updated annually. Copyright 2013.
  • LTC-LP

    A Shopper's Guide to Long-Term Care Insurance

    Free Download

State Licensing Handbook

STL-HB

Provides guidance and contains suggested best practices for state insurance departments in administering a producer-licensing program. Assists regulators in continued movement toward uniformity in licensing procedures among the states. Also includes information about other types of licensing programs; e.g., adjusters, bail bond agents, etc. This handbook is based on the Producer Licensing Model Act (MDL-218), the Uniform Resident Licensing Standards and other guidelines. Updated biennially. For more information, please access : https://content.naic.org/state_licensing_handbook.htm

States' Prescribed Differences from NAIC Statutory Accounting Principles

SPD-OPS

The Accounting Practices and Procedures Manual presents a comprehensive basis of accounting that should be followed if not in conflict with state statutes and/or regulations. Should the domiciliary state set forth accounting guidance that differs from the AP&P Manual, disclosures of such must be made. This publication provides information regarding each state's prescribed differences from NAIC statutory accounting principles, including a citation to the respective state statute and/or regulation. Updated annually.
  • SPD-OPS

    States' Prescribed Differences from NAIC Statutory Accounting Principles

    Free Download

Statistical Compilation of Annual Statement Information

STA-HB, STA-LS, STA-PS

The Statistical Compilation provides aggregate annual statement data for property/casualty, life/health insurance companies, all HMOs and companies that write accident and health insurance and file annual statements with the NAIC. Divided into three sections - Annual. Statement Financial Data, State and Countrywide Insurance Data, and Selected Data Elements from Company and Combined Statements - the information provided will satisfy a wide range of needs and uses. Updated annually.

Supplemental Health Care Exhibit Report

HCS-ZB

The Supplemental Health Care Exhibit Report is based off the new Supplemental Health Care Exhibit, which was created as a tool to comply with new federal legislation. Aggregated annual statement data, market share data sorted by covered lives and by earned premium, as well the top 10 groups/companies by health premiums earned are included within the report to provide state and federal regulators with aggregated, more granular financial information reported by health plans. This information will assist in identifying and defining elements that make up the medical loss ratio (MLR), evaluating health plan profitability, and tracking and comparing financial results of health care business as reported in the annual financial statements.

Synopsis

SYN-ZS

The Synopsis is a brief, handy overview of the activity at each NAIC national meeting. It also includes summaries of interim meetings, task force updates, progress reports, issue debates and new business discussions. Published following each national meeting.

Uniform Certificate of Authority Application (UCAA) Instructions

UCA-OPA

The UCAA Instructions are designed to assist companies in filing a primary application, an expansion application or corporate amendment to the certificate of authority. Adopted modifications to the instructions will be posted within three weeks following each National Meeting and made available for download in .pdf format with the revision date.

Valuation Manual

VM

The Valuation Manual sets forth the minimum reserve and related requirements for jurisdictions where the Standard Valuation Law, as amended by the National Association of Insurance Commissioners (NAIC) in 2009, or legislation including substantially similar terms and provisions has been enacted by jurisdictions, and this Valuation Manual (VM) is operative. Requirements in the Valuation Manual are applicable to life insurance, accident and health insurance, and deposit-type contracts. Annuity contracts are therefore included within the term life insurance contracts unless specifically indicated otherwise in this Valuation Manual.

White Paper on Cannabis

CAN-WP

This white paper provides information to state insurance regulators, insurers and the broader public about the architecture of the cannabis business supply chain, types of insurance needed by the cannabis industry, the availability of cannabis business insurance in state insurance markets and the extent of insurance gaps, and best practices that state insurance regulators can adopt to encourage insurers to write insurance for the cannabis industry. Copyright 2019.

Workers' Compensation Large Deductible Study

WCD-OP

The 2016 Workers' Compensation Large Deductible Study provides regulators, workers' compensation insurers and employers with valuable information about the appropriate use of large deductibles. It is intended to serve as a resource to insurers, third party administrators, professional employer organizations, guaranty associations and regulators showing how large deductible policies work and special issues that can arise with their use. The paper revisits and reconsiders issues raised in a similar 2006 Workers' Compensation Large Deductible Study.
  • WCD-OP

    Workers' Compensation Large Deductible Study

    Free Download

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