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. The 2024 Financial Condition Examiners Handbook is now 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 will be provided via email following verification (next business day) of the purchase.