Skip to main content

Resource Center

Publications

Resources for Insurance Industry Insights and Tools

We offer a vast amount of free and paid publications that include various manuals, statistical reporting from various insurance industries, data industry combines files, forecasting tools and instructions that guide our various clients.

Technical Support

Paid publications come with technical support and 24/7-365 live chat provided by OSS vendor, VitalSource. Additional features include: personal notes, highlighting text, audio playback, search, and print capabilities.

Printing & Shipping

We no longer print or ship publications. All free publications are currently available to download, for immediate access.

Refund Policy

Please be advised that all paid publications are non-refundable.

Auto Insurance Database Average Premium Supplement

ADPS-21, AUT-PB 2022

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.

Auto Insurance Database

AUT-PB 2020-2021

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.

Cannabis Insurance White Paper

CIP-23

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.

Consumer's Guide to Auto Insurance

AUT-PP

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.

Consumer's Guide to Cancer Insurance

CAX-PP

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.

Consumer's Guide to Earthquake Insurance

EQU-PP

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.

Consumer's Guide to Homeowners Insurance

HOI-PP

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.

Consumer's Guide to Life Insurance

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.

Consumer'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. Revised in 2019. 

  • LTC-LP

    A Shopper's Guide to Long-Term Care Insurance

    Free Download

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

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.

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-V2, 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. Newest Edition : 2022 Volume 2

  • STA-BB-V2

    2022 Insurance Department Resources Report Volume Two

    Free Download
  • STA-BB

    2022 Insurance Department Resources Report Volume One

    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

UIR-ZB-23, IRMM, IRIS-FIN-23, UIR-ZB-24

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.  

Long-Term Care Insurance Multistate Rate Review Framework

LTC-LR

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.

 

  • LTC-LR

    Long-Term Care Insurance Multistate Rate Review Framework

    Free Download

Pet Insurance White Paper

PIN-OP

Receivers Handbook for Insurance Company Insolvencies

REC-BU-24

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-24

    Receivers Handbook for Insurance Company Insolvencies

    Free Download

State Insurance Regulation: Key Facts and Market Trends

STA-US, STA-INT

Nothing found...

Auto Insurance Database Average Premium Supplement

ADPS-21, AUT-PB 2022

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.

Auto Insurance Database

AUT-PB 2020-2021

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.

Cannabis Insurance White Paper

CIP-23

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.

Consumer's Guide to Auto Insurance

AUT-PP

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.

Consumer's Guide to Cancer Insurance

CAX-PP

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.

Consumer's Guide to Earthquake Insurance

EQU-PP

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.

Consumer's Guide to Homeowners Insurance

HOI-PP

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.

Consumer's Guide to Life Insurance

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.

Consumer'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. Revised in 2019. 

  • LTC-LP

    A Shopper's Guide to Long-Term Care Insurance

    Free Download

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

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.

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-V2, 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. Newest Edition : 2022 Volume 2

  • STA-BB-V2

    2022 Insurance Department Resources Report Volume Two

    Free Download
  • STA-BB

    2022 Insurance Department Resources Report Volume One

    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

UIR-ZB-23, IRMM, IRIS-FIN-23, UIR-ZB-24

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.  

Long-Term Care Insurance Multistate Rate Review Framework

LTC-LR

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.

 

  • LTC-LR

    Long-Term Care Insurance Multistate Rate Review Framework

    Free Download

Pet Insurance White Paper

PIN-OP

Receivers Handbook for Insurance Company Insolvencies

REC-BU-24

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-24

    Receivers Handbook for Insurance Company Insolvencies

    Free Download

State Insurance Regulation: Key Facts and Market Trends

STA-US, STA-INT

Library & Archives

Can't find what you are looking for? Visit our Library to access archived publications.