Resource Center
Model Laws
Tailoring Regulation & Ensuring Consistency
The National Association of Insurance Commissioners model law development process helps provide uniformity while balancing the needs of insurers operating in multiple jurisdictions with the unique nature of state judicial, legislative and regulatory frameworks.
Consumer Protection
The value of a state-based regulatory system is the ability to tailor state laws and regulations to meet the needs of resident consumers.
Uniformity
There is recognition that there are some areas where uniformity and consistency across state borders is beneficial to all.
State Adoption
It is primarily through the states鈥 adoption of our model laws and regulations that the legal framework for insurance regulation has been largely harmonized throughout all the states.
This comprehensive publication provides quick access to every 不良研究所官方 Model Law, Regulation, and Guideline. Included with every model is a state action page that cites each state's enacted model or similar legislation. Many models also include a Project History that explains why the model was adopted and why certain provisions were included.
Table of Contents, is available to guide you through the charts listed below (Related Charts: State Laws on Insurance Topics) which are included in the purchase of a Model Laws product and are made available for download via the 不良研究所官方's Account Manager. For those that do not have a subscription to the Model Laws product, individual charts are available for purchase by contacting 不良研究所官方 Publications at prodserv@naic.org
Accident and Health Insurance
Model Numbers: 10-36
-
Title Of Model
Model #
Related Charts:
State Laws On Insurance Topics
Accident and Health Insurance Consumer Protection
Model Numbers: 40-42
-
Title Of Model
Model #
Related Charts:
State Laws On Insurance Topics
Accident and Health Insurance Delivery Systems
Model Numbers: 68-98
-
Title Of Model
Model #
Related Charts:
State Laws On Insurance Topics
Accident and Health Insurance Group Regulation
Model Numbers: 100-126
-
Title Of Model
Model #
Related Charts:
State Laws On Insurance Topics -
Group Health Insurance Mandatory Conversion Privilege Model Act
-
Nondiscrimination in Health Insurance Coverage in the Group Market Model Regulation
-
Group Coverage Discontinuance and Replacement Model Regulation
-
Small Group Market Health Insurance Coverage Model Regulation
Accident and Health Insurance Rate and Policy Standards
Model Numbers: 134-190
-
Title Of Model
Model #
Related Charts:
State Laws On Insurance Topics -
Supplementary and Short-Term Health Insurance Minimum Standards Model Act
-
Model Regulation to Implement the Accident and Sickness Insurance Minimum Standards Model Act
-
Regulation for Uniform Definitions and Standardized Methodologies for Calculation of the Medical Loss Ratio for Plan Years 2011, 2010 and 2013 per Section 2718(b) of the Public Health Service Act
Accounting
Model Numbers: 200-205
-
Title Of Model
Model #
Related Charts:
State Laws On Insurance Topics -
Separate Accounts Funding Guaranteed Minimum Benefits Under Group Contracts Model Regulation
Agents/Brokers/Producers
Model Numbers: 218-230
-
Title Of Model
Model #
Related Charts:
State Laws On Insurance Topics -
Prevention of Illegal MEWAs and Other Illegal Health Insurers Model Regulation
Annuities/Variable Contracts
Model Numbers: 235-278
-
Title Of Model
Model #
Related Charts:
State Laws On Insurance Topics -
Model Regulation on the Use of Senior-Specific Certifications and Professional Designations in the Sale of Life Insurance and Annuities
Company Organization, Management, Securities
Model Numbers: 280-356
-
Title Of Model
Model #
Related Charts:
State Laws On Insurance Topics -
Investments of Insurers Model Act (Defined Standards Version)
-
Model Act on Custodial Agreements and the Use of Clearing Corporations
-
Model Regulation on Custodial Agreements and the Use of Clearing Corporations
-
Business Transacted with Producer Controlled Property/Casualty Insurer Act
Credit Insurance
Model Numbers: 360-370
-
Title Of Model
Model #
Related Charts:
State Laws On Insurance Topics
Examinations
Model Numbers: 385-395
-
Title Of Model
Model #
Related Charts:
State Laws On Insurance Topics -
Model Regulation to Define Standards and Commissioner's Authority for Companies Deemed to be in Hazardous Financial Condition
-
Participation in the 不良研究所官方 Insurance Regulatory Information System (IRIS) Model Act
Health Maintenance Organizations
Model Numbers: 430-432
-
Title Of Model
Model #
Related Charts:
State Laws On Insurance Topics -
Model Regulation to Implement Rules Regarding Contracts and Services of Health Maintenance Organizations
Holding Companies
Model Numbers: 440-450
-
Title Of Model
Model #
Related Charts:
State Laws On Insurance Topics -
Insurance Holding Company System Model Regulation with Reporting Forms and Instructions
Insider Trading and Proxies
Model Numbers: 460-500
-
Title Of Model
Model #
Related Charts:
State Laws On Insurance Topics -
An Act Concerning Insider Trading of Domestic Stock Insurance Company Equity Securities
-
Regulations Adopted Pursuant to an Act Concerning the Insider Trading of Domestic Stock Insurance Company Equity Securities
-
Regulation Regarding Proxies, Consents and Authorizations of Domestic Stock Insurers
Insolvency
Model Numbers: 505-558
-
Title Of Model
Model #
Related Charts:
State Laws On Insurance Topics -
Life and Health Insurance Guaranty Association Model Act
-
Property and Casualty Insurance Guaranty Association Model Act
Life Insurance
Model Numbers: 565-620
-
Title Of Model
Model #
Related Charts:
State Laws On Insurance Topics -
Group Life Insurance Definition and Group Life Insurance Standard Provisions Model Act
-
Advertisements of Life Insurance and Annuities Model Regulation
-
Model Policy Loan Interest Rate Bill (An Act to Regulate Interest Rates on Life Insurance Policy Loans)
-
Disclosure for Small Face Amount Life Insurance Policies Model Act
Limited Lines
Model Numbers: 628-633
-
Title Of Model
Model #
Related Charts:
State Laws On Insurance Topics
Long-Term Care Insurance
Model Numbers: 640-643
-
Title Of Model
Model #
Related Charts:
State Laws On Insurance Topics
Medicare Supplement Insurance
Model Numbers: 650-660
-
Title Of Model
Model #
Related Charts:
State Laws On Insurance Topics -
Model Regulation to Implement the 不良研究所官方 Medicare Supplement Insurance Minimum Standards Model Act
-
不良研究所官方 Model Rules Governing Advertisements of Medicare Supplement Insurance with Interpretive Guidelines
Miscellaneous
Model Numbers: 668-698
-
Title Of Model
Model #
Related Charts:
State Laws On Insurance Topics -
Privacy of Consumer Financial and Health Information Regulation
Property and Casualty Insurance
Model Numbers: 700-751
-
Title Of Model
Model #
Related Charts:
State Laws On Insurance Topics -
不良研究所官方 Automobile Insurance Declination, Termination and Disclosure Model Act
-
Model Regulation to Require Reporting of Statistical Data by Property and Casualty Insurance Companies
Property and Casualty Insurance Rating Laws
Model Numbers: 777-777
-
Title Of Model
Model #
Related Charts:
State Laws On Insurance Topics -
Property and Casualty Commercial Rate and Policy Form Model Law (Condensed)
Reinsurance
Model Numbers: 785-803
-
Title Of Model
Model #
Related Charts:
State Laws On Insurance Topics -
Term and Universal Life Insurance Reserve Financing Model Regulation
Standard Nonforfeiture and Valuation
Model Numbers: 805-830
-
Title Of Model
Model #
Related Charts:
State Laws On Insurance Topics -
不良研究所官方 Procedure for Permitting Same Minimum Nonforfeiture Standards for Men and Women Insured Under 1980 CSO and 1980 CET Mortality Tables
-
不良研究所官方 Model Rule Permitting Smoker/Nonsmoker Mortality Tables for Use in Determining Minimum Reserve Liabilities and Nonforfeiture Benefits
-
Recognition of the 2001 CSO Mortality Table for Use in Determining Minimum Reserve Liabilities and Nonforfeiture Benefits Model Regulation
-
Model Regulation Permitting the Recognition of Preferred Mortality Tables for Use in Determining Minimum Reserve Liabilities
-
Preneed Life Insurance Minimum Standards for Determining Reserve Liabilities and Nonforfeiture Values Model Regulation
-
Determining Reserve Liabilities for Credit Life Insurance Model Regulation
-
不良研究所官方 Model Rule for Recognizing a New Annuity Mortality Table for Use in Determining Reserve Liabilities for Annuities
Unauthorized Insurance
Model Numbers: 840-870
-
Title Of Model
Model #
Related Charts:
State Laws On Insurance Topics
Unfair Trade Practices
Model Numbers: 880-920
-
Title Of Model
Model #
Related Charts:
State Laws On Insurance Topics -
Model Regulation for Complaint Records to be Maintained Pursuant to the 不良研究所官方 Unfair Trade Practices Act
-
Model Regulation on Unfair Discrimination in Life and Health Insurance on the Basis of Physical or Mental Impairment
-
Model Regulation on Unfair Discrimination on the Basis of Blindness or Partial Blindness
-
Unfair Discrimination Against Subjects of Abuse in Health Benefit Plans Model Act
-
Unfair Discrimination Against Subjects of Abuse in Life Insurance Model Act
-
Unfair Discrimination Against Subjects of Abuse in Disability Income Insurance Model Act
-
Unfair Discrimination Against Subjects of Abuse in Property and Casualty Insurance
-
Unfair Life, Accident and Health Claims Settlement Practices Model Regulation
-
Market Conduct Record Retention and Production Model Regulation
Health Care Reform
Model Numbers: 929-929
-
Title Of Model
Model #
Related Charts:
State Laws On Insurance Topics
不良研究所官方 Guidelines
Model Numbers: GDL-1077-GDL-1985
-
Title Of Model
Model #
Related Charts:
State Laws On Insurance Topics -
Guideline for Implementation of Medical Professional Liability Closed Claim Reporting
-
Registration and Regulation of Third-Party Administrators
CA-10 - Annual and Quarterly Financial Reporting Requirements -
Notice of Protection Provided by [State] Life and Health Guaranty Association
-
Guideline for Stay on Termination of Netting Agreements and Qualified Financial Contracts
-
Guideline For Payment Of Interest To Receiver On Overdue Reinsurance Recoverables
-
Title Agent Statistical Data Plan Implementation Guideline
-
Guideline for Implementation of State Orderly Liquidation Authority
-
Property and Casualty Model Rating Law (Prior Approval Version)
-
Property and Casualty Model Rate and Policy Form Regulation Guideline
-
Guidelines for Regulation and Legislation on Workers' Compensation Coverage for Professional Employer Organization Arrangements
-
Guidelines for the Filing of Workers' Compensation Large Deductible Policies and Programs (Large Deductible Filing Guidelines)
-
Guideline for Administration of Large Deductible Policies in Receivership
-
Guideline for Definition of Reciprocal State in Receivership Laws
Library & Archives
Can't find what you are looking for? Visit our Library to access archived Model Laws, Regulations, and Guidelines.