Publications

The data used for this supplement includes written premiums and exposures for calendar years 2017-2021 for the combined voluntary and residual market. Earned and incurred loss data for calendar/accident years 2018-2020 cannot be collected until spring of 2023 and will not be included in this supplement. The earned and incurred loss data will be included in the full 2020/2021 Auto Database report that will be released later this year. The purpose of the supplement is to release written premium data and exposures on a faster timeline than the full Auto Database report allows. The tables in this supplement, Tables 1 through Tables 5, will be included in the full report.

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.

The updated white paper discusses how the cannabis industry has become more sophisticated, with its rapid expansion driving new product development, infrastructure changes, and the need for businesses to provide ancillary services. It also outlines how the state of cannabis regulation, specifically at the state and local levels, has evolved significantly.

Auto insurance is an expensive purchase for most Americans and shopping for it can be confusing. This publication simplifies the purchasing process and offers practical guidelines that can help lower the cost of coverage while increasing the value received. Complete with a listing of state laws governing the industry, the guide is a best bet for those looking to make informed decisions about auto insurance and get the most for their money.

The decision of whether to purchase cancer insurance can be a challenging one. While cancer treatment accounts for 10 percent of all U.S. health expenses, the policy will only provide benefit if one is afflicted with the disease. This guide briefly discuses key questions regarding cancer insurance and advises on the variation in cost and coverage of policies sold. The issues brought forth in this publication may also be useful when considering the purchase of other disease-specific insurance policies.

Designed to educate consumers about the need to consider purchasing earthquake insurance. Helps consumers understand what earthquake policies cover and how they work. Also includes information on smart shopping strategies and steps to take in protecting homes. Illustrates the seismic risk the country faces and facilitates financial preparedness through an understanding of earthquake insurance.

Delivers basic information to guide consumers through the assessment, selection and purchase of home insurance. Publication explains situations in which having homeowners' insurance may be mandatory, details the basic coverage options available to consumers and answers the most common questions associated with this offering. The guide aims to help consumers obtain a policy that provides them with a level of coverage that satisfies all their needs, but does so at the lowest possible cost. Includes a complete listing of state insurance departments.

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.

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. Revised in 2019. 

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.

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.

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.

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. Newest Edition : 2022 Volume 2

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.

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.  

The development of the multistate actuarial (MSA) rate review process as outlined in the MSA Framework document which outlines a consistent national approach for reviewing LTCI rates that results in actuarially appropriate increases being granted by the states in a timely manner and eliminates cross-state rate subsidization. Implement the MSA rate review process once adopted by the NAIC Executive (EX) Committee and Plenary.

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.