Catalog

NAIC AI Model Bulletin

National Association of Insurance Commissioners / state Departments of Insurance · pack 0.1.3 · verified against the official source as of 2026-09-27.

Standard / soft law

Insurers adopting the NAIC model guidance should maintain an AIS Program and AI-use notice

The NAIC AI Model Bulletin recommends that insurers using AI systems that make or support regulated insurance decisions maintain a written AI Systems (AIS) Program covering governance, risk-management controls, internal audit, lifecycle management, third-party systems, and accountable leadership, and provide notice to impacted consumers that AI systems are in use. Detect an insurer AI decision path with no AIS Program artifact or consumer AI-use notice. State adoption and enforcement require separate primary-source evidence.

naic-ai-bulletin.ais-program · NAIC Model Bulletin, AIS Program Guidelines 1.1-1.9 · official source · jurisdictions: US

Standard / soft law

Insurers adopting the NAIC model guidance should validate and bias-test AI and predictive models

The NAIC AI Model Bulletin recommends processes to detect and address errors, performance issues, outliers, and unfair discrimination in predictive models, and to validate, test, and retest AI outputs including data suitability and model drift. Detect an insurance AI or predictive-model decision path with no documented validation or bias and unfair-discrimination testing. State adoption and enforcement require separate primary-source evidence.

naic-ai-bulletin.model-validation-bias-testing · NAIC Model Bulletin, Governance 2.4 + Risk Management 3.4 · official source · jurisdictions: US

Standard / soft law

Insurers adopting the NAIC model guidance should oversee third-party AI systems

The NAIC AI Model Bulletin recommends that insurers relying on third-party data or AI systems conduct due diligence, use appropriate audit-right and regulator-cooperation contract terms, and ensure third-party systems meet the legal standards imposed on the insurer. Detect an insurance AI decision path using third-party models or data with no vendor due-diligence or oversight artifact. State adoption and enforcement require separate primary-source evidence.

naic-ai-bulletin.third-party-ai-oversight · NAIC Model Bulletin, Third-Party AI Systems and Data 4.1-4.3 · official source · jurisdictions: US