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.
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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.
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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.
-
ADPS-21
Auto Insurance Database Average Premium Supplement
Free Download -
AUT-PB 2022
Auto Insurance Database
Free Download
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.
-
AUT-PB 2020-2021
Auto Insurance Database
Free Download
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.
-
CIP-23
Cannabis Insurance White Paper
Free Download
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.
-
AUT-PP
Consumer's Guide to Auto Insurance
Free Download
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.
-
CAX-PP
Consumer's Guide to Cancer Insurance
Free Download
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.
-
EQU-PP
Consumer's Guide to Earthquake Insurance
Free Download
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.
-
HOI-PP
Consumer's Guide to Homeowners Insurance
Free Download
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.
-
LIG-LP
Pending Records Retention Review
Free Download
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.
-
HMR-ZU
Homeowners Report
Free Download
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.
-
INS-OU
Insurance Department Directory
Free Download
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.
-
UIR-ZB-23
2023 Iris Ratio Manual
Free Download -
IRMM
2023 Industry Means and Median
Free Download -
IRIS-FIN-23
2023 NAIC IRIS Ratios
Free Download -
UIR-ZB-24
2024 Iris Manual
Free Download
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
-
PIN-OP
Pet Insurance White Paper
Free Download
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
-
STA-US
Alabama State Report Card
Free Download -
STA-US
Alaska State Report Card
Free Download -
STA-US
Arizona State Report Card
Free Download -
STA-US
Arkansas State Report Card
Free Download -
STA-US
California State Report Card
Free Download -
STA-US
Colorado State Report Card
Free Download -
STA-US
Connecticut State Report Card
Free Download -
STA-US
Delaware State Report Card
Free Download -
STA-US
Florida State Report Card
Free Download -
STA-US
Georgia State Report Card
Free Download -
STA-US
Hawaii State Report Card
Free Download -
STA-US
Idaho Sate Report Card
Free Download -
STA-US
Illinois State Report Card
Free Download -
STA-US
Indiana State Report Card
Free Download -
STA-US
Iowa State Report Card
Free Download -
STA-US
Kansas State Report Card
Free Download -
STA-US
Kentucky State Report Card
Free Download -
STA-US
Louisiana State Report Card
Free Download -
STA-US
Maine State Report Card
Free Download -
STA-US
Maryland State Report Card
Free Download -
STA-US
Massachusetts State Report Card
Free Download -
STA-US
Michigan State Report Card
Free Download -
STA-US
Minnesota State Report Card
Free Download -
STA-US
Mississippi State Report Card
Free Download -
STA-US
Missouri State Report Card
Free Download -
STA-US
Montana State Report Card
Free Download -
STA-US
Nebraska State Report Card
Free Download -
STA-US
Nevada State Report Card
Free Download -
STA-US
New Hampshire State Report Card
Free Download -
STA-US
New Jersey State Report Card
Free Download -
STA-US
New Mexico State Report Card
Free Download -
STA-US
New York State Report Card
Free Download -
STA-US
North Carolina State Report Card
Free Download -
STA-US
North Dakota State Report Card
Free Download -
STA-US
Ohio State Report Card
Free Download -
STA-US
Oklahoma State Report Card
Free Download -
STA-US
Oregon State Report Card
Free Download -
STA-US
Pennsylvania State Report Card
Free Download -
STA-US
Rhode Island State report Card
Free Download -
STA-US
South Carolina State Report Card
Free Download -
STA-US
South Dakota State Report Card
Free Download -
STA-US
Tennessee State Report Card
Free Download -
STA-US
Texas State Report Card
Free Download -
STA-US
Utah State Report Card
Free Download -
STA-US
Vermont State Report Card
Free Download -
STA-US
Virginia State Report Card
Free Download -
STA-US
Washington State Report Card
Free Download -
STA-US
West Virginia State Report Card
Free Download -
STA-US
Wisconsin State Report Card
Free Download -
STA-US
Wyoming State Report Card
Free Download -
STA-INT
National Report Card
Free Download -
STA-US
District of Columbia Report Card
Free Download
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.
-
ADPS-21
Auto Insurance Database Average Premium Supplement
Free Download -
AUT-PB 2022
Auto Insurance Database
Free Download
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.
-
AUT-PB 2020-2021
Auto Insurance Database
Free Download
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.
-
CIP-23
Cannabis Insurance White Paper
Free Download
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.
-
AUT-PP
Consumer's Guide to Auto Insurance
Free Download
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.
-
CAX-PP
Consumer's Guide to Cancer Insurance
Free Download
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.
-
EQU-PP
Consumer's Guide to Earthquake Insurance
Free Download
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.
-
HOI-PP
Consumer's Guide to Homeowners Insurance
Free Download
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.
-
LIG-LP
Pending Records Retention Review
Free Download
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.
-
HMR-ZU
Homeowners Report
Free Download
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.
-
INS-OU
Insurance Department Directory
Free Download
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.
-
UIR-ZB-23
2023 Iris Ratio Manual
Free Download -
IRMM
2023 Industry Means and Median
Free Download -
IRIS-FIN-23
2023 NAIC IRIS Ratios
Free Download -
UIR-ZB-24
2024 Iris Manual
Free Download
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
-
PIN-OP
Pet Insurance White Paper
Free Download
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
-
STA-US
Alabama State Report Card
Free Download -
STA-US
Alaska State Report Card
Free Download -
STA-US
Arizona State Report Card
Free Download -
STA-US
Arkansas State Report Card
Free Download -
STA-US
California State Report Card
Free Download -
STA-US
Colorado State Report Card
Free Download -
STA-US
Connecticut State Report Card
Free Download -
STA-US
Delaware State Report Card
Free Download -
STA-US
Florida State Report Card
Free Download -
STA-US
Georgia State Report Card
Free Download -
STA-US
Hawaii State Report Card
Free Download -
STA-US
Idaho Sate Report Card
Free Download -
STA-US
Illinois State Report Card
Free Download -
STA-US
Indiana State Report Card
Free Download -
STA-US
Iowa State Report Card
Free Download -
STA-US
Kansas State Report Card
Free Download -
STA-US
Kentucky State Report Card
Free Download -
STA-US
Louisiana State Report Card
Free Download -
STA-US
Maine State Report Card
Free Download -
STA-US
Maryland State Report Card
Free Download -
STA-US
Massachusetts State Report Card
Free Download -
STA-US
Michigan State Report Card
Free Download -
STA-US
Minnesota State Report Card
Free Download -
STA-US
Mississippi State Report Card
Free Download -
STA-US
Missouri State Report Card
Free Download -
STA-US
Montana State Report Card
Free Download -
STA-US
Nebraska State Report Card
Free Download -
STA-US
Nevada State Report Card
Free Download -
STA-US
New Hampshire State Report Card
Free Download -
STA-US
New Jersey State Report Card
Free Download -
STA-US
New Mexico State Report Card
Free Download -
STA-US
New York State Report Card
Free Download -
STA-US
North Carolina State Report Card
Free Download -
STA-US
North Dakota State Report Card
Free Download -
STA-US
Ohio State Report Card
Free Download -
STA-US
Oklahoma State Report Card
Free Download -
STA-US
Oregon State Report Card
Free Download -
STA-US
Pennsylvania State Report Card
Free Download -
STA-US
Rhode Island State report Card
Free Download -
STA-US
South Carolina State Report Card
Free Download -
STA-US
South Dakota State Report Card
Free Download -
STA-US
Tennessee State Report Card
Free Download -
STA-US
Texas State Report Card
Free Download -
STA-US
Utah State Report Card
Free Download -
STA-US
Vermont State Report Card
Free Download -
STA-US
Virginia State Report Card
Free Download -
STA-US
Washington State Report Card
Free Download -
STA-US
West Virginia State Report Card
Free Download -
STA-US
Wisconsin State Report Card
Free Download -
STA-US
Wyoming State Report Card
Free Download -
STA-INT
National Report Card
Free Download -
STA-US
District of Columbia Report Card
Free Download
Library & Archives
Can't find what you are looking for? Visit our Library to access archived publications.