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 2022

This product provides access to every NAIC model law, regulation, and guideline currently published. Included with every model is a state action page that cites each state's enacted model or similar legislation. Many models also include a project history  that explains why the model was adopted and why certain provisions were included. Related Charts: State Laws on Insurance Topics that pertain to one or more NAIC Model Laws are also available in these Model Law products. The Table of Contents for the Model Laws products will include an index of the compatible state law charts for cross referencing..  An updated version of this publication is being released  three times annually following the NAIC's Spring, Summer, and Fall National Meetings.

Individual Model Laws
Model Law Development

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.

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 January 2023, 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

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.