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EXPOSURE DOCUMENT INDEX

The following is a list of documents exposed by various work groups of the 不良研究所官方 to the public. For additional information regarding these and other documents, their comment periods and pending actions – please visit the appropriate Committees & Activities page.

There are no exposure drafts at this time.

The below document is exposed for comments until COB January 18, 2024, by the Solvency Workstream of the Climate & Resiliency (EX) Task Force. Please submit comments to Dan Daveline.

The Task Force exposed the following memorandum. Please submit comments to 不良研究所官方, Dan Daveline and Bridgeway Analytics by COB July 24

The Task Force exposed the following memorandum, please submit comments to Dan Daveline before March 12, 2025.

Annuity Suitability (A) Working Group Adopted FAQ Guidance Document  

Adopted FAQ Guidance Document

The following documents are being exposed for a 30-day public comment period ending Tuesday, September 9th

Please send comments to Scott O'Neal by September 9, 2025.

The following documents are being exposed for a 25-day public comment period ending Friday, July 25th:

Please send comments to Scott O'Neal by July 25th, 2025
 

The following document is being exposed for an 80-day public comment period ending Monday, July 14th:

Note: Commenters are also requested to provide examples of different types of revenue sharing arrangements they feel would potentially be adversely affected by APF 2025-05 compared to the existing requirements, detailing their interpretation of the requirements with and without the clarifications to the guidance note. A reminder email will be distributed 30 days prior to the end of the exposure date.

Please send comments to Scott O'Neal by July 14th, 2025

There are no exposure drafts at this time.

There are no Exposure Drafts at this time.

The following document is being exposed for a 60-day public comment period ending, Tuesday, August 19th, 2025:

Please send comments to Amy Fitzpatrick by close of business on August 19th, 2025.

There are no exposure drafts at this time.

The following document is being exposed for a 60-day public comment period ending, Monday, September 15th, 2025, please send comments to Amy Fitzpatrick

The following documents are being exposed for a 30-day public comment period ending Friday, September 12th:

Please send comments to Jane Ren by September 12th, 2025

Extension: The following documents are being exposed for a 30-day public comment period ending Friday, September 19th Wednesday, August 20th:

Please send comments to Jane Ren by September 19th August 20th, 2025

Model #171 Revisions Tracked Redline Version (as adopted by the Committee on Nov. 19)

Model #171 Revisions Clean Version (as adopted by the Committee on Nov. 19)

QTL Template.xlsx Pennsylvania Revised Draft QTL Template Draft May 28, 2020

QTL Template Instructions.docx Revised Draft QTL Template Instructions May 28, 2020

MHPAEA assumptions exposure.docx MHPAEA Draft Assumptions March 10, 2020

The Task Force requests comments on the American Academy of Actuaries draft Knowledge Statements for Appointed Actuary for Health Blank.

Health Knowledge Statements_Draft.pdf

Please provide comments to eking@naic.org by Thursday, Oct. 31.

The Long-Term Care Actuarial (B) Working Group is considering revised cost-sharing factors to accompany implicit cost-sharing contained in the blended / if-knew aspect of the MSA approach adopted by the Working Group and the Long-Term Care Insurance (B) Task Force in late 2024.

Please provide comments to eking@naic.org on the following cost-sharing proposals by May 12, 2025:

Missouri Proposal:

鈥    No haircut for the 铿乺st 100%.

鈥     35% for the portion of cumulative rate increase between 100% and 400%

鈥     70% for the portion of cumulative rate increase between 400% and 800%

鈥     85% for the portion of cumulative rate increase between 800% and 1000%

鈥     95% haircut for the portion of the cumulative rate increase in excess of 1000%

鈥淎lternative鈥 Proposal, discussed on the February 21, 2025 Working Group call:

鈥       5% haircut for the 铿乺st 100%.

鈥     35% for the portion of cumulative rate increase between 100% and 400%

鈥     70% for the portion of cumulative rate increase between 400% and 800%

鈥     85% for the portion of cumulative rate increase in excess of 800%

There will be a Working Group call in mid to late May to choose between the proposals or factors in between those stated in the proposals.

By May 12, 2025, please also provide comments on a proposal previously provided by the Pennsylvania Department. This proposal states that the Multi-State Actuarial Team would not recommend a rate increase for any state higher than 100% of current rates in that state. The idea is to provide a path forward for states with lower past cumulative approvals by avoiding recommendation of extremely high rate increases. In subsequent filings with states (or if arrangements are worked out with a state), companies could file to recoup what was justified.

 

PA white paper 7.18.2025.docx Draft Prior Authorization Framework White Paper (July 18, 2025) 

 

Comments are requested by close of business April 21, 2022

ERISA Handbook case summary - Rutledge 

     Comments received 

PCMA

ATAP

Consumer Reps

NCPA 

AHIP

The Homeowners Market Data Call (C) Task Force is seeking comments on a revised Data Call Template and Data Call Definitions. 

The Template and Definitions documents are being exposed for 37 days. Please submit comments to Aaron Brandenburg at abrandenburg@naic.org by end of day, Sept. 15. 

There are no exposure drafts at this time.

The following documents, AOWG 2025 Regulatory Guidance Draft and 027 Property 2025 Actuarial Opinion Draft, are now exposed for 30 days.  

AOWG 2025 Regulatory Guidance Draft

027 Property 2025 Actuarial Opinion Draft

Comments should be sent to Roberto Perez (rperez1@naic.org) by Friday, Sept. 26.

 

There are no exposure drafts at this time.

There are no exposure drafts at this time. 

There are no exposure drafts at this time. 

The Adjuster Licensing (D) Working Group has been given the task of reviewing the 不良研究所官方 State Licensing Handbook, specifically Chapter 18鈥擜djuster Licensing.

The State Licensing Handbook was last updated and made available in 2021. The Producer Licensing Uniformity (D) Working Group has been given the charge to review the full handbook for any potential updates.  To assist with this, the Adjuster Licensing (D) Working Group will review Chapter 18 and discuss necessary updates which will be presented to the Producer Licensing Uniformity (D) Working Group.  

The Word and PDF version of Chapter 18 Adjuster Licensing can be found below.

The PDF Chapter 18 Adjuster Licensing Draft with track changes can be found below.

The Working Group will hold open monthly Webex conference calls to review comments received and finalize potential revisions. 

2025 Monthly Calls:

 

 

  • Chapter 18 Adjuster Licensing (Current Version) -  WORD / PDF
     
  • Chapter 18 Adjuster Licensing (Draft W/Track Changes) - PDF

 

Comments Received:

In 2022, the Working Group began working on their charge to:

Review existing 不良研究所官方 Models and Guidelines that address the use of lead generators for sales of Health Insurance products and identify models and guidelines that need to be updated or developed to address current marketplace activities. 

The Working Group exposed suggested amendments on the Unfair Trade Practices Act  (Model 880) for comment. Throughout the year the Working Group met via conference calls to discuss the comments received and revised the Draft as necessary.

The Working Group has exposed the 2nd Draft amendments for additional comments. (Draft Version 11.3.22).  

These comments will be discussed at during the Working Group meeting taking place at the Spring National Meeting in Louisville, KY.  

The Working Group will hold conference calls as necessary to finalize the amendments.  The final draft will be distributed prior adoption. 

 

Draft  # 1: 

Model 880 - Amendments Draft #1 8.31.22 

 

Draft #2:

Model 880 - Amendments Draft #2 11.3.22

 

Draft #3:

Model 880 - Amendments Draft #3 6.29.23

 

New Comments Received:

 

State Comments:

 

Industry Comments:

 

 

2025 Exposure Drafts:

Draft New Chapter Conducting the Pet Insurance Examination May 22, 2025 Draft Comments Due Date June 21, 2025

Draft Chapter 21A-Conducting the Property and Casualty Travel Insurance Examination July 17 2025 Draft (Revisions to the February 11, 2025 Draft were made, in consideration of the APCIA and UStiA 03-12-25 Comments) Comments Due Date August 15, 2025

Draft Chapter 21A-Conducting the Property and Casualty Travel Insurance Examination February 11, 2025 Draft (Updated to add Review Procedures and Criteria and Documents to be Reviewed) Comments Due Date March 12, 2025

2024 Exposure Drafts:

Draft Chapter 23-Conducting the Life and Annuity Examination Chapter October 4, 2024 Draft (Updated to correspond to Actuarial Guideline XLIX-A鈥擳he Application of the Life Illustrations Model Regulation to Policies with Index-Based Interest (AG 49-A). NOTE: The Oct. 4, 2024 draft Chapter 23 was adopted by the Working Group at its Nov. 7, 2024 Webex meeting,

2023 and Prior Years' Exposure Drafts:

Draft Chapter 23-Conducting the Life and Annuity Examination October 4, 2023 Draft (The Oct. 4, 2023 draft contains changes from the previous version, dated June 6, 2023. The October 4, 2023 updates in the draft are highlighted in green, they occur on pages 14, 17, 29, 31, 32, 33, 38, 40, 45, 52, 55 and 56.)

NOTE: The Oct. 4, 2023 draft Chapter 23 was adopted by the Working Group at its Nov. 8, 2023 Webex meeting, the chapter underwent additional revisions during that meeting, as part of that adoption.

Draft Chapter 23-Conducting the Life and Annuity Examination June 6, 2023 Draft (The June 6, 2023 draft contains changes from the previous version, dated Aug. 22, 2022. The June 6, 2023 updates in the draft are highlighted in blue, they occur on pages 30 and 34 (in Marketing and Sales Standards 9 and 10.)

Draft Chapter 23-Conducting the Life and Annuity Examination August 22, 2022 Draft (The Aug. 22, 2022 draft contained updates highlighted in yellow, which took into consideration comments received on the April 19, 2022 draft; the Aug. 22 draft was discussed at the Sept. 8 and Oct. 20, 2022 meetings and at the March 28, 2023 meeting.) 

New Draft Chapter 23-Conducting the Life and Annuity Examination April 19, 2022 Draft (Updated to correspond to revisions adopted by the 不良研究所官方 in February 2020 to the Suitability in Annuity Transactions Model Regulation (#275))

New Draft Travel Insurance-Related Standardized Data Requests (Revised October 2023 by the Travel Insurance regulator-only SMEs, taking the comments received from Virginia Oct. 28, 2022, Missouri Sept. 16, 2022 and the CEJ Sept. 16, 2022 into consideration)

NOTE: The Oct. 25, 2023 new draft Travel Insurance In-Force SDR and the Oct. 25, 2023 new Travel Insurance Claims SDR were adopted by this Working Group at its Nov. 8, 2023 Webex Meeting
 

Draft Chapter 4-Collaborative Actions June 6, 2023 Draft (The purpose of the revisions is to incorporate changes into Chapter 4, providing nonregulators with transparency and insight regarding the multistate process that occurs at the Market Actions (D) Working Group (MAWG))

NOTE: The June 6, 2023 draft Chapter 4 was adopted by the Working Group at its July 18, 2023 Webex meeting, the chapter underwent additional revisions during that meeting, as part of that adoption.

Revised Draft Chapter 24B-Conducting the MHPAEA-Related Examination July 11, 2022 Draft (This draft was discussed at the July 14, 2022 Webex. Changes were made to Standard 5 on pages 14-15 and Standard 6 on pages 17-18; they are shown in yellow highlight. These revisions were made to the July 6, 2022 Chapter 24B Draft).

NOTE: The Chapter 24B-Conducting the MHPAEA-Related Examination adopted by this Working Group on July 14, 2022 and by the Market Regulation and Consumer Affairs (D) Committee on August 12, 2022 at the Summer 2022 Hybrid National Meeting is provided at this link Chapter 24B-Conducting the MHPAEA-Related Examination Adopted 8-12-2022. Regulators, this document is also provided on the Market Regulation Handbook Web Page on StateNet.

New Draft Chapter 24B-Conducting the MHPAEA-Related Examination July 6, 2022 Draft (Updated with regard to the Working Group's June 9th discussion on comments received on the April 19, 2022 Chapter 24B Draft)

New Draft Chapter 24B-Conducting the MHPAEA-Related Examination April 19, 2022 Draft (Updated to correspond with updated federal guidance on Mental Health and Substance Use Disorder Parity Compliance)

New Draft Chapter 1-Introduction July 6, 2022 Draft (Revisions relate to the Working Group's discussion re: the Oct. 27, 2021 Chapter 20 draft in its previous meetings on Nov. 4, 2021, March 10, 2022, April 21, 2022 and June 9, 2022)

NOTE: The posted revisions to the July 6, 2022 draft Chapter 1-Introduction were adopted by the Working Group on its July 14, 2022 call.

New Draft Chapter 20-General Examination Standards July 6, 2022 Draft (Revisions relate to the Working Group's discussion re: the Oct. 27, 2021 Chapter 20 draft in its previous meetings on Nov. 4, 2021, March 10, 2022, April 21, 2022 and June 9, 2022)

NOTE: The posted revisions to the July 6, 2022 draft Chapter 20-General Examination Standards were adopted by the Working Group on its July 14, 2022 call.

New Draft Chapter 20-General Examination Standards, Oct. 27, 2021 Draft (Revisions Relating to the Insurance Holding Company System Regulatory Model Act  (#440)

New Draft Chapter 21-Conducting the Property and Casualty Examination, April 19, 2022 Draft Revisions to the 4-19-22 draft are shown in yellow highlight (Revisions Relating to the Real Property Lender-Placed Insurance Model Act (#631)

NOTE: The posted revisions to the April 19, 2022 Conducting the Property and Casualty Examination chapter were adopted by the Working Group on its April 21, 2022 call.

New Draft Chapter 21-Conducting the Property and Casualty Examination, Oct. 27, 2021 Draft (Revisions Relating to the Real Property Lender-Placed Insurance Model Act (#631)

New Draft Chapter 24-Conducting the Health Examination, Sept. 30, 2021 Draft (Revisions Relating to the Health Maintenance Organization Model Act (#430)

NOTE: The draft Chapter 24 was adopted by the Working Group on its November 4, 2021 conference call,

New Draft Chapter 25-Conducting the Medicare Supplement Examination, Sept. 27, 2021 Draft (Revisions Relating to the Model Regulation to Implement the 不良研究所官方 Medicare Supplement Insurance Minimum Standards Model Act (#651)

NOTE: The draft Chapter 25 was adopted by the Working Group on its November 4, 2021 conference call, the chapter underwent an additional revision as part of that adoption.

Updated Draft Title Standardized Data Requests for Inclusion in the Reference Documents of the Market Regulation Handbook

New Draft Title Standardized Data Requests for Inclusion in the Reference Documents of the Market Regulation Handbook

NOTE: The Title SDRs were adopted by the Working Group on its September 2, 2021 conference call, the Title Claims SDR underwent an additional revision as part of that adoption.

New Draft Chapter 24-Conducting the Health Examination for inclusion in the Market Regulation Handbook (Revised Guidance Regarding Supplementary and Short-Term Health Insurance)

NOTE: The posted revisions to the Conducting the Health Examination chapter were adopted by the Working Group on its November 19, 2020 call. 

New Draft Long-Term Care Standardized Data Requests for Inclusion in the Reference Documents of the Market Regulation Handbook

NOTE: The Long-Term Care In Force and Long-Term Care Claims SDRs were adopted by the Working Group on its November 19, 2020 call.

New Inland Marine Standardized Data Requests for Inclusion in the Reference Documents of the Market Regulation Handbook

NOTE: The Inland Marine In Force and Inland Marine Claims SDRs were adopted by the Working Group on its July 23, 2020 call.

New Limited Long-Term Care Exam Standards Chapter 26A December 11, 2019 draft for Inclusion in the Market Regulation Handbook

NOTE: The Limited Long-Term Care Exam Standards, Dec. 11, 2019 draft, were adopted by the Working Group on its July 23, 2020 call. 

New Limited Long-Term Care Exam Standards Chapter 26A October 29, 2019 draft for Inclusion in the Market Regulation Handbook

New Farmowners Standardized Data Requests for Inclusion in the Reference Documents of the Market Regulation Handbook

NOTE: The Farmowners In Force SDR and Farmowners Claims SDR were adopted by the Working Group on its Dec. 18, 2019 call, and adopted by the Market Regulation and Consumer Affairs (D) Committee on its July 27, 2020 call.

Cybersecurity (EX) Task Force Referral to Market Conduct Examination Standards (D) Working Group

The following items have been tabled by the Working Group until further notice.

Proposed Market Regulation Handbook Substantive Revisions Received from the Market Information Systems Research and Development (D) Working Group 7-12-16

Draft New Health Reform Market Conduct Examination Standards for Nondiscrimination for inclusion in the Market Regulation Handbook
Aug. 10, 2015 Draft

Draft New Health Reform Market Conduct Examination Standards for Nondiscrimination for inclusion in the Market Regulation Handbook
Aug. 3, 2015 Draft

Section D. Standards of Chapter 14-Sampling of the Market Regulation Handbook 9/18/14

There are no exposure drafts at this time.

There are no exposure drafts at this time.

MCAS - Pet Insurance Scorecard Ratios Draft

Charge to Assess Currently Available Market Analysis Data

Draft Documents

Other Health

Other Health MCAS Blank - Draft Approved by Working Group - 05/22/25

Other Health MCAS Data Call and Definitions - Draft Approved by Working Group - 05/22/25

Private Passenger Auto

Private Passenger Auto MCAS Blank - Draft Approved by Working Group - 05/01/25

Private Passenger Auto MCAS Data Call and Definitions - Draft Approved by Working Group - 05/01/25

Lender Placed Home and Auto (LPI)

LPI MCAS Blank - Draft Approved by Working Group - 05/22/25

LPI MCAS Data Call and Definitions - Draft Approved by Working Group - 05/22/25

Homeowners

Homeowners MCAS Blank - Draft Approved by Working Group - 05/22/25

Homeowners MCAS Data Call and Definitions - Draft Approved by Working Group - 05/22/25

Pet

Pet MCAS Data Call and Definitions - Draft Approved by Working Group - 05/22/25

Disability Income

Disability Income MCAS Blank - Draft Approved by Working Group - 05/22/25

Disability Income MCAS Data Call and Definitions - Draft Approved by Working Group - 05/22/25

Long-Term Care (LTC)

LTC MCAS Blank - Draft Approved by Working Group - 05/22/25

LTC MCAS Data Call and Definitions - Draft Approved by Working Group - 05/22/25

Short-Term Limited Duration (STLD)

STLD MCAS Blank - Draft Approved by Working Group - 05/22/25

STLD MCAS Data Call and Definitions - Draft Approved by Working Group - 05/22/25

 

MCAS Proposals

Travel

DRAFT Travel MCAS Blank - Exposed to Working Group - 05/22/25

DRAFT Travel MCAS Data Call and Definitions - Exposed to Working Group - 05/22/25

 

 

The Task Force's Improper Marketing of Health Insurance (D) Working Group has been working on its charge to: 

Review existing 不良研究所官方 Models and Guidelines that address the use of lead generators for sales of Health Insurance products and identify models and guidelines that need to be updated or developed to address current marketplace activities. 

The Working Group began reviewing the Unfair Trade Practices Act  (Model 880) in 2022. During the 2023 Summer National Meeting the Working Group adopted amendments to Model 880 (8.14.23). 

The Task Force opened the adopted draft (8.14.23) for comment through Monday, Oct. 16, 2023.  

The Task Force met by conference call on October 20th to review comments received on draft amendments for the Unfair Trade Practices Act (Model #880). 

During the conference call the Task Force agreed to accept additional revisions from the comments received.  The additional revisions have been applied to Draft #6 (10.20.23).

The Draft #6 (10.20.23) was open for comment until Friday, Nov. 10, 2023. 

The Task Force will review the updated draft (10.20.23) for potential adoption.

 

Draft #6 (10.20.23):

Comments Received on Draft #6 (10.20.23):

 

-----------------------------------------------------------------

Draft #5 (8.14.23):

 

Comments Received on Draft #5 (8.14.23):

---------------------------

 

 

Antifraud Plan Repository Workflow

The Antifraud Technology (D) Working Group has been working on their first charge which is to:  Review and provide recommendations for the development of an Antifraud Plan Repository to be used by insurers to create and store an electronic fraud plan for distribution among the states/jurisdictions. To assist with this process the Working Group created a subject matter expert (SME) group to finalize the Antifraud Plan Repository Workflow document. The SME Group exposed the draft to the Antifraud Technology (D) Working Group on May 6, 2022.    

The Working Group adopted the draft on May 19, 2022 and it was presented to the Antifraud (D) Task Force.  The Task Force will hold a meeting on June 30, 2022 to review any comments received and potentially adopt the draft. 

Antifraud Plan Repository Workflow

 

 

 

 

 

There are no exposure drafts at this time.

UNIFORM LICENSING STANDARDS

The Working Group has requested state updates to the Uniform Licensing Standards Compliance Charts.  

The ULS charts were last updated in 2017. To confirm we have the correct information; we are asking each state to review the ULS Checklist and provide their responses. 

For any non-compliance areas please indicate whether it is due to a regulation/rule or a department process. In addition, if there is any legislation pending please update the chart with that information.

We are still working to collect all state responses. Please send your responses back to me at Gwelker@naic.org and Courtney.Khodabakhsh@oid.ok.gov

 

不良研究所官方 STATE LICENSING HANDBOOK REVIEW 

The Producer Licensing Uniformity (D) Working Group has been given the charge to:  Provide oversight and ongoing updates to the State Licensing Handbook, as needed.

The Working Group distributed a  State Licensing Handbook checklist listing out each chapter with an option to select 鈥淵ES or NO鈥 whether the chapter should be opened for review. The checklist results are copied below. 

The Working Group is currently reviewing the State Licensing Handbook.  At this time, the Working Group is soliciting comments/suggestions on Chapter 9 Lines of Insurance, Chapter 10 Surplus Lines and Chapter 11 Appointments

Please review the chapters and provide your suggestions/comments by Friday, July 11, 2025 to Gwelker@naic.org, Courtney.khodabakhsh@oid.ok.gov and Monicka.richmeier@ks.gov

 

State Licensing Handbook - Chapters

 

Chapter 9, 10 and 11 Comments Received (as of 7.11.25):

 

SLH - Checklist Individual Responses:

 

The State Licensing Handbook (individual chapters and appendix) can be found on the 不良研究所官方 website: /state_licensing_handbook.htm

The Working Group will continue to meet monthly in order to review the State Licensing Handbook.

_________________________________________________________________________

 

 

不良研究所官方 State Licensing Handbook

The Producer Licensing Uniformity (D) Working Group has asked the Uniform Education (D) Working Group to review State Licensing Handbook chapters specific to continuing education. The three chapters identified are:

  • Chapter 6 鈥 Prelicensing Education
  • Chapter 8 Testing Programs
  • Chapter 14 Continuing Education.

To efficiently review these chapters the Working Group is asking to review Chapter 6 鈥 Prelicensing Education first. Once comments have been received the Working Group will meet by conference call to review and begin reviewing potential revisions for the State Licensing Handbook. The chapters have been copied below.  

Please submit your suggestions/comments to Gwelker@naic.org.

*The Working Group is currently taking comments on all three chapters. The Working Group will continue to meet monthly to review and finalize. 

 

SLH Chapter Edits:

SLHB Comments Received:

 

---------------------------------

CE Audit Procedures

The Uniform Education (D) Working Group adopted the 不良研究所官方 CE Audit Guidelines on Oct. 29, 2024. The adopted document can be found below. The Producer Licensing (D) Task Force will review the document at the Fall National Meeting as part of the Working Group reports. 

  CE Audit Guidelines (Adopted by UEWG on Oct. 29, 2024)

CE Audit Procedures Checklist

 

 

Continuing Education Reciprocity Agreement

In 2019, the Working Group reviewed the Continuing Education Reciprocity (CER) Agreement. The 不良研究所官方's General Counsel advised the Working Group that a revision of the agreement would not be feasible due to the date of the CER Agreement and inaccurate/dated information it contains. The decision was to create a new CER Agreement. During the Fall National Meeting the Producer Licensing (D) Task Force adopted the 2019 CER Agreement. The agreement will be presented to the Executive (EX) Committee during the Summer National Meeting for final adoption. The adopted draft is attached below.

------------------------------------------------------------

Testing and Examination Pass Rates

 

The draft 2026 charges for the Financial Condition (E) Committee and the working groups that report directly to the E Committee are exposed for a 45-day comment period (until COB Oct. 2). The proposed 2026 charges for the E Committee task forces are excluded and will be added into these revised charges once adopted by the applicable task force. However, the old Valuation of Securities (E) Task Force has now been renamed the Invested Assets Task Force and those charges, along with the three new working group under the Invested Assets (E) Task Force, were adopted by the Committee in July. The combined task force and working group charges will be presented to the Committee for possible adoption in November. Please send any comments on the attached to 不良研究所官方 staff Dan Daveline by COB October 2. 

Exposure Drafts Still Open For Consideration with Comments Received:

Investment Framework

The following document is exposed for a 30-day comment period ending August 15, 2025, please submit comments to Maggie Chang.

There are no exposure drafts at this time.

There are no exposure drafts at this time.

During the December 12th, regulator call, the National Treatment and Coordination (E) Working Group discussed a new Corporate Amendment change type. The new change type is Reinstatement. The Working Group is exposing the new change type for Corporate Amendments and Instructions for a 45-day comment period ending February 17, 2025, please submit comments on the edits or suggestions to Bon Rector.

Comments on exposed items should be addressed to Director Elizabeth Kelleher Dwyer and Commissioner Glen Mulready, Co-Chairs of the Restructuring Mechanisms (E) Working Group, and directed to 不良研究所官方 staff, Robin Marcotte and Dan Daveline.

The following documents have been exposed with a public comment period ending Friday, July 12, 2024

Comment Letters:

There are no exposure drafts at this time.

There are no exposure drafts at this time.

There are no exposure drafts at this time.

Blanks (E) Working Group
Items Received for Comment

Last Updated May 29, 2025

Please address comment letters to Roy Eft, Chair of the Blanks (E) Working Group, and direct to 不良研究所官方 support staff, Mary Caswell and Jill Youtsey.

Ref No. Description Comment Deadline
2025-16BWG Update Health Annual Statement Instructions for the Prescribed Language for Statement of Actuarial Opinion, Section 4 (Identification Section) for consistency in reporting. Also update the Statement of Actuarial Opinion, Section 7 (Opinion Section), Item C, to be consistent with the Life/Fraternal Annual Statement Instructions and VM-30. July 14, 2025

 

 

Exposure Drafts Outstanding
Statutory Accounting Principles (E) Working Group
Last Updated: August 11, 2025

Please address comment letters to Dale Bruggeman, Chair of the Statutory Accounting Principles (E) Working Group, and direct to Julie GannRobin Marcotte, Jake StultzJason Farr and Wil Oden.

For the status of all SAPWG agenda items, please refer to the Maintenance Agenda(updated June 5, 2025)

EXPOSURES with PUBLIC COMMENT PERIOD ending JUNE 6, 2025
2025-12EP Preamble Editorial Revisions Exposed editorial footnote revisions clarify the treatment of issue papers in Level 5 of the statutory hierarchy and update the reference to U.S. Securities and Exchange Commission (SEC) rules and interpretations as authoritative U.S. GAAP for SEC registrants.
EXPOSURES with PUBLIC COMMENT PERIOD ending SEPTEMBER 19, 2025
2025-19 Annual Statement Private Securities Exposed revisions incorporate a new electronic reporting column to identify private placement securities in the investment schedules and incorporate an aggregate disclosure that details key investment information by type of security (public and private placement type). 
EXPOSURES with PUBLIC COMMENT PERIOD ending OCTOBER 17, 2025
2024-21 Annual Statement Investment Subsidiaries Exposed revisions eliminate the investment subsidiary concept from the instructions. The intent to send a referral to the Life Risk-Based Capital (E) Working Group upon adoption of the agenda item, along with suggested RBC instruction changes, is also exposed.  
2025-01 SSAP No. 22 Lease Clarification Exposed expanded revisions clarify that sale-leasebacks with restrictions on access to the cash received from the sale do not qualify for sale-leaseback accounting and must be accounted for by the seller using the financing method. With this exposure, comments are requested on transition guidance for companies that have arrangements that will no longer qualify as sale-leasebacks. 
2025-13 SSAP No. 37 Statutory Trusts Exposed revisions to the draft guidance allow residential mortgage loans in qualifying statutory trusts to reflect several recommended changes per discussions with industry.
2025-18 SSAP No. 101 ASU 2019-12, Simplifying the Accounting for Income 
Taxes
Exposed revisions adopt, with modification, certain revisions from ASU 2019-12, and recommend fully incorporating U.S. GAAP guidance from APB No. 28, which had previously been incorporated by reference.
2025-20 SSAP No. 26
SSAP No. 21
SSAP No. 43
Annual Statement
Debt Disclosures Exposed revisions improve utilization of existing disclosures, clarify guidance, and incorporate consistent locations and frequency for specific debt security disclosures. The revisions also propose disclosures for residuals that identify the company鈥檚 measurement method, whether the company is transitioning from the practical expedient to the allowable earned yield (AEY) method, and for those following the AEY method, information comparable to SSAP No. 43 for impaired securities. 
2025-21 Annual Statement Retirement Plan Assets Held at NAV Exposed revisions clarify that retirement plan assets can be held at net asset value (NAV) and shall be included in the required fair value disclosure.
EXPOSURES DEFERRED for SUBSEQUENT INTERIM or NATIONAL MEETING
2018-07 SSAP No. 41 Surplus Note Accounting 鈥 Referral from the Reinsurance (E) Task Force The Statutory Accounting Principles (E) Working Group deferred discussion of this agenda item for a subsequent interim or national meeting.

2019-12

Comments

SSAP No. 68 ASU 2014-17, Business Combinations, Pushdown Accounting The Statutory Accounting Principles (E) Working Group deferred discussion of this agenda item for a subsequent interim or national meeting.

2019-14

Comments

SSAP No. 68
SSAP No. 97
Attribution of Goodwill The Statutory Accounting Principles (E) Working Group deferred discussion of this agenda item for a subsequent interim or national meeting.

2019-49

Comments

SSAP No. 62 Retroactive Reinsurance Exception The Statutory Accounting Principles (E) Working Group deferred discussion of this agenda item for a subsequent interim or national meeting.
2023-31 SSAP No. 58 Updates from Model 630 Mortgage Guaranty Insurance Exposed intent to review the revisions to the Mortgage Guaranty Insurance Model Act (#630) for incorporation into SSAP No. 58鈥擬ortgage Guaranty Insurance and Appendix A-630 as applicable. The exposure requests input on an effective date.
2024-12 SSAP No. 27 Updates to SSAP No. 27 This agenda item was deferred at the 2024 Summer National Meeting to be discussed at a subsequent meeting.

The Capital Adequacy (E) Task Force is exposing the following for a 45-day public comment period ending August 14, 2025, please submit comments to Eva Yeung.

Extension: The following documents are being exposed for a 30-day public comment period ending Friday, September 19th Wednesday, August 20th:

Please send comments to Jane Ren by September 19th August 20th, 2025

The following document is being exposed for a 45-day public comment period ending Monday, June 23rd:

Please send comments to Jane Ren by June 23rd, 2025.

The following documents are exposed for a 30-day comment period ending June 1, 2025, please submit comments to Eva Yeung.

There are no exposure drafts at this time. 

There are no exposure drafts at this time.

There are no exposure drafts at this time. 

There are no exposure drafts at this time.

There are no exposure drafts at this time. 

The following document is being exposed for a 30-Day public comment period ending Tuesday, September 2nd:

Please send comments to Topher Hughes by September 2nd, 2025

On behalf of the Chair of the Task Force, the 2026 proposed charges for the Task Force and its Working Groups are exposed for public comment. No changes from 2025 charges are proposed.  

Please submit any comments to jkoenigsman@naic.org by close of business July 23, 2025.

There are no Exposure Drafts at this time. 

There are no exposure drafts at this time.

 

There are no exposure drafts at this time.

There are no exposure drafts at this time.

There are no exposure drafts at this time.

There are no exposure drafts at this time.

There are no exposure drafts at this time.

The following document is being exposed for a 60-day public comment period ending, Monday, September 15th, 2025, please send comments to Amy Fitzpatrick

The following documents are being exposed for a 30-day public comment period ending Friday, September 12th:

Please send comments to Jane Ren by September 12th, 2025

Extension: The following documents are being exposed for a 30-day public comment period ending Friday, September 19th Wednesday, August 20th:

Please send comments to Jane Ren by September 19th August 20th, 2025

At the Summer National Meeting, the Committee exposed the following items for a 30-day comment period ending September 12:

  • Revisions to the Review Team Guidelines and Self-Evaluation Guide in Part C: Organizational and Personnel Practices to include new guidelines related to conflicts of interest and confidentiality protections when using contract resources.
  • Revisions to the Self-Evaluation Guide in Part B1: Financial Analysis, Part B3: Department Procedures and Oversight, and Part C: Organizational and Personnel Practices to include new items to be reported by states when submitting interim annual reviews, including additional details pertaining to domestic multi-state insurance companies and staffing fluctuations.

Revisions can be found here. Please send any comments to Bailey Henning (bhenning@naic.org) by close of business on Friday, September 12. 

There are no exposure drafts at this time.

There are no exposure drafts at this time.

There are no exposure drafts at this time.

The Cybersecurity (H) Working Group is exposing the CFRF Referral Response and IDSM Compliance Guide, attached below, to all interested parties for a public comment period of 30 days, ending Saturday, Sept. 13, 2025.

CFRF Referral Response - Draft

IDSM Compliance Guide v5- Tracked Changes

IDSM Compliance Guide v5- Clean Copy

Compliance Guide Visual

Please submit comments in writing to Koty Henry (khenry@naic.org) by Saturday, Sept. 13, 2025. If providing edits to the draft, please use underline/strikeout, if possible. 

If you have any questions, please contact Miguel Romero (maromero@naic.org) or Koty Henry (khenry@naic.org). 

2024 Chief Forum Referral to Cybersecurity

Attachment A - Model 668 to Exhibit C Mapping

There are no exposure drafts at this time.

The Third-Party Data and Models (H) Working Group met May 22, 2025, and requested proposed definitions of third-party data vendor and third-party model vendor for use in a regulatory framework. Please send to Kris DeFrain (kdefrain@naic.org) by Friday, June 20.

The Big Data and Artificial Intelligence (H) Working Group is exposing the AI Systems Evaluation Tool, attached below, to all interested parties for a extended public comment period of 60 days, ending Friday, Sept. 5, 2025.

AI Systems Evaluation Tool

Please submit comments in writing to Scott Sobel (ssobel@naic.org) by Friday, Sept. 5, 2025.  If providing edits to the draft, please use underline/strikeout mode if possible. 

If you have any questions, please contact Miguel Romero (maromero@naic.org) or Scott Sobel (ssobel@naic.org).

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The Big Data and Artificial Intelligence (H) Working Group is exposing a request for information regarding proposing an 不良研究所官方 Model Law on the Use of Artificial Intelligence in the Insurance Industry.  

Any stakeholder wishing to provide comments regarding this request for information should submit them in writing to Miguel Romero (maromero@naic.org) within a 45-day comment period ending Monday, June 30. Comments will be made public upon completion of the comment period. 

Articles Exposed for Comment:

Article V Request for Comments

This is a request for comments on Article V of the Chair Draft Revising the Privacy of Consumer Financial and Health Information Regulation (#672). Comments are due by June 18, 2025.

Articles Exposed Without Comment at This Time:

Article IV Exposure Redline

Article IV Exposure Clean Version

Article III Consumer Requests

Article II Third Party Service Provider Arrangements

Chair Draft #672 Dated 8.5.2024