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
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.
Bond Mutual Fund List (SVO)
A listing of bond mutuals that meet conditions in the Purposes and Procedures Manual of the NAIC, qualifying them for more favorable reserve treatment. The Bank List meets credit standards specified for a variety of NAIC-approved purposes. The Bank List publication is no longer produced, and was last published in August 2017. See the SVO website for a similar list of what was included in this report.
Cannabis Insurance White Paper
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.
Company Licensing Best Practices Handbook
This handbook's objective is to provide a framework that, while not preempting a state's authority, promotes consistent decisions while reviewing the standardized Uniform Certificate of Authority Application (UCAA) and helps improve the efficiency of the review process. This handbook is not intended to constitute a comprehensive company licensing procedures manual. Published following each National Meeting.
Competition Database Report
The Competition Database Report was created to provide a single source of reference measures that serve as a starting point for examining the competitiveness of state insurance markets.
Consumer's Guide to Annuities
ANB-LP, ANB-LE, ANB-LS
While focusing on deferred annuity contracts, the publication covers the annuity purchasing process from start to finish and includes questions customers should ask their agent or company along the way.
Consumer's Guide to Auto Insurance
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
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
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
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
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
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.
Consumer's Guide to Medigap
Provides advice for consumers faced with the decision of whether to purchase Medicare supplement insurance.
Credit Life and Credit Accident and Health Insurance Experience Report
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.
Directory of Receivership and Run-off Resources
This directory is a comprehensive listing of accountants, actuaries, investment managers, lawyers, reinsurance specialists and general consultants who can help insurance departments administer receiverships. It provides contact names, addresses and a brief company overview for each person/firm listed in the directory. Updated annually.
Dwelling, Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owner's Insurance
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.
Financial Analysis Handbook
First developed and released in 1997 by the NAIC Financial Analysis Handbook (E) Working Group, the purpose of this Handbook is to: 1) provide a uniform risk-focused analysis approach to more accurately identify insurers and/or holding company systems experiencing financial problems; and 2) identify prospective risks that pose the greatest potential for developing financial problems. Includes quantitative and qualitative procedures. The overall goal is to assist regulators in evaluating and better understanding insurers' risks in order to develop appropriate corrective action plans sooner, and, therefore, potentially decreasing the frequency and severity of insurance company insolvencies. Updated annually.
Financial Condition Examiners Handbook
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. 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.
Online SubscriptionGuide to Compliance with State Audit Requirements (Annual Financial Reporting Model Regulation #205)
This guide helps insurers comply with state regulatory requirements regarding annual audited financial reports and related correspondence. It summarizes key provisions of each state's requirements based on the Annual Financial Reporting Model Regulation (MDL-205), commonly known as the Model Audit Rule. A detailed chart includes statutory citations, filing deadlines, workpaper requirements, audit committee requirements and much more. Recently published in 2021.
Health and Welfare Plans Under the Employee Retirement Income Security Act: Guidelines for State and Federal Regulation
This handbook provides state insurance regulators with a resource guide to help them through the labyrinth of ERISA preemption analysis. ERISA, a federal statute that establishes a comprehensive regulatory framework for employee pension benefit plans, preempts most state laws. However, ERISA exempts from federal preemption any state law that regulates the business of insurance - but determining whether a state law is preempted by ERISA can be complex and confusing. Copyright 2022
Insurance Department Directory
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
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
Insurance Implications of Home-Sharing: Regulator Insights and Consumer Awareness
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.
Insurance Regulatory Information Systems (IRIS) Ratios Manual
UIR-ZB-23, IRMM, IRIS-FIN-22, IRIS-FIN-23
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.
Listing of Companies (Detailed)
LOC-JUN-2023, LOC-DEC-2023, LOC-JUN-2024
Provides detailed demographic information on more than 5,000 Property, Life and Fraternal, Health, and Title insurers, as well as more than 17,000 offshore alien insurers and reinsurers included in the NAIC database. The product is a zipped file of individual reports in comma-separated values format and is available in Account Manager upon confirmation of purchase. Each report includes a record layout to assist with downloading the files for use in a spreadsheet or database. Published semiannually.
Online SubscriptionListing of Companies Summary
Provides domestic company codes and names for more than 5,000 Property, Life and Fraternal, Health, and Title insurers, as well as more than 17,000 offshore alien insurers and reinsurers included in the NAIC database. It also indicates the status of the company and provides all necessary information for completing the reinsurer-related requirements in Schedule F and Schedule S of the annual and quarterly statements. This publication should be used to ensure that all financial filings conform to NAIC requirements. Posted semiannually.
Financial Statement Data
Purchase the data that is the basis of this report and manipulate it to achieve the best possible results for your research. Contact us today at idp@naic.org for a quote!
Long-Term Care Experience Reports
Based on the Long-Term Care Insurance Experience Reporting Forms for the annual statement filed with the NAIC, this publication helps regulators monitor and provide data specific to this coverage. Starting in 2009, the NAIC replaced the prior forms (Forms A, B and C) with entirely new forms (Forms 1, 2, 3, 4 and 5). Form 1 focuses on the critical assumptions of morbidity and persistency while still presenting high-level loss ratio data. Form 2 focuses on the developing level of funds from the issue age premium basis and compares this to the active life reserve. Form 4 tracks life insurance and annuity products that have long-term care benefits provided by acceleration of certain benefits within these products. Form 5 requires information at the state level. Updated annually.
Long-Term Care Insurance Multistate Rate Review Framework
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.
Market Regulation Handbook
This publication combines information from the Market Conduct Examiners Handbook and the Market Analysis Handbook into one comprehensive source of reference material from the continuum of regulatory responses to potential market concerns. The goal with this publication is to help market regulators conduct uniform, standardized market analysis and market conduct examinations. Released Annually.
Market Regulation Handbook - Examination Standards Summary
Designed to serve as a compilation of the market conduct examination standards found in Chapters 20 - 32 of the Market Regulation Handbook. Arranged and organized by chapter and area of examination, regulated entities might find this summary useful in creating an outline for internal review templates. Please note: This summary does not represent all examination standards, methodologies and areas of review that could be utilized by an insurance department. Updated annually.
Market Share Reports for Groups and Companies
MSR-AH, MSR-PB, MSR-LB
An easy reference for identifying top writers by premium volume. Allows monitoring of increases and decreases in market share and overall level of market concentration. The Property/Casualty reports include the top 10 company groups by state and the top 125 groups countrywide for each P/C annual statement line of business. The Life and Fraternal reports contain the top 125 groups by state and countrywide for life insurance, annuity considerations and total premiums written. The Accident & Health reports contain the top 125 groups by state and countrywide for total A&H premiums written. Contains the latest available year of data. Updated annually.
Medicare Supplement Loss Ratios Report
This report contains the latest available data drawn from Medicare Supplement Insurance Expense Exhibits filed with the NAIC. It identifies direct premiums earned, market share, direct claims incurred and loss ratios on a countrywide basis. A listing of the top 10 companies by state by direct premiums earned is also included in this report. Reports available since 1990. Updated annually.
Model Laws, Regulations, Guidelines and Other Resources
This product provides access to every NAIC model law, regulation, and guideline currently published. It includes state law charts related to the Model Laws. Included with every model is a state action page that cites each state's enacted model or similar legislation. Many models also include a legislative history (Proceedings Citations) that explains why the model was adopted and why certain provisions were included. Compendium of State Laws that pertain to one or more NAIC Model Laws are made available online through the NAIC's Account Manager with the purchase of the Model Laws product. The Table of Contents for the Model Laws products will include an index of the compatible charts for cross referencing (Related Charts: State Laws on Insurance Topics), and the charts themselves will be available via a link in the NAIC's Account Manager system. Published three times annually following the NAIC's Spring, Summer, and Fall National Meetings.
Online SubscriptionMoney Market Fund List
A listing of mutual funds that meet conditions in the Purposes and Procedures Manual of the NAIC, qualifying them for more favorable reserve treatment. The Bank List meets credit standards specified for a variety of NAIC-approved purposes. The Bank List publication is no longer produced, and was last published in August 2017. See the SVO website for a similar list of what was included in this report.
NCCI Examination Report
The NCCI Examination Report is a comprehensive examination of the data collection and rate-making activities of the National Council on Compensation Insurance. This publication offers practical considerations about implementing a loss-cost system in workers' compensation. Copyright 1991.
ORSA Guidance Manual
The ORSA Guidance Manual provides guidance to an insurer and/or an insurance group of which the insurer is a member regarding the reporting of its Own Risk and Solvency Assessment (ORSA) as required by the domestic state's version of the Risk Management and Own Risk and Solvency Assessment Model Act (#505).
Pet Insurance White Paper
Post-Disaster Claims Guide
After a disaster hits, make sure you and your family are safe.
Proceedings of the NAIC
Designed as a premier research tool, the Proceedings of the NAIC is the official, permanent record of all NAIC action, including model laws and regulations, as well as committee and task force minutes and reports. Published following each national meeting.
Product Filing Review Handbook
This handbook provides basic information about the filing and review of rate, rule, and form filings. It also explains basic ratemaking processes for products that are subject to various forms of rate regulation. It provides guidance through procedures that states can implement uniformly to make the filing process more transparent and make it easier for insurers to achieve compliance.
Profitability by Line by State
Statistics derived from state page data in the annual statement and the Insurance Expense Exhibit can be used to compare profitability among different states and property/casualty lines. For each line and each state, this publication presents aggregate statistics on premiums, losses, expenses, investment income and estimated profits for the preceding calendar year. Also shows estimated underwriting profits and operating profits, as well as estimated federal taxes. Updated annually.
Purposes and Procedures Manual of the NAIC Investment Analysis Office
This publication is the primary source for insurers to comply with the NAIC's reporting requirements. Contains the NAIC's credit assessment methodologies and valuation policies, and takes precedence over other publications covering a number of categories. Subscription includes periodic e-mail alerts directly from the Capital Markets & Investment Analysis Office. Updated annually.
Quarterly Listing of Alien Insurers
Includes non-U.S. insurers and Lloyd's syndicates that have met and continue to comply with the requirements set forth within the International Insurers Department Plan of Operation. The publication provides demographic and insurer/syndicate contact information. This publication is Updated quarterly.
Quarterly Statement Blanks
QSBH-OSS-2024, QSBP-OSS-2024, QSBL-OSS-2024, QSBT-OSS-2024
To be used with its companion products, this publication provides the appropriate format for filing annual statement data with the states and the NAIC. Proper use helps identify system changes that can improve the method in which data is first collected and allows users to ascertain if their annual statement software vendor has complied with NAIC requirements. Updated annually.