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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
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Title Of Model
Model #
Related Charts:
State Laws On Insurance Topics -
Individual Market Health Insurance Coverage Model Act
HB-15 - Mandated Benefits - Women's Health, Pregnancy, Fertility, Preventative Care
HB-16 - Mandated Benefits - Women's Health
HB-25 - Mandated Benefits - Mental Health
HB-27 - Mandated Benefits - Substance Abuse and Addiction
HB-50 - Genetic Testing for Insurance Coverage
Accident and Health Insurance Consumer Protection
Model Numbers: 40-42
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Title Of Model
Model #
Related Charts:
State Laws On Insurance Topics
Accident and Health Insurance Delivery Systems
Model Numbers: 68-98
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Title Of Model
Model #
Related Charts:
State Laws On Insurance Topics -
The Single Health Care Voluntary Purchasing Alliance Model Act
HG-30 - Health Insurance Purchasing Alliances
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The Regional Health Care Voluntary Purchasing Alliance Model Act
HG-30 - Health Insurance Purchasing Alliances
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The Private Health Care Voluntary Purchasing Alliance Model Act
HG-30 - Health Insurance Purchasing Alliances
Accident and Health Insurance Group Regulation
Model Numbers: 100-126
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Title Of Model
Model #
Related Charts:
State Laws On Insurance Topics -
Group Health Insurance Standards Model Act
HA-10 - Filing Requirements Health Insurance Forms and Rates
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Group Health Insurance Mandatory Conversion Privilege Model Act
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Small Group Market Health Insurance Coverage Model Act
HB-15 - Mandated Benefits - Women's Health, Pregnancy, Fertility, Preventative Care
HB-16 - Mandated Benefits - Women's Health
HB-25 - Mandated Benefits - Mental Health
HB-27 - Mandated Benefits - Substance Abuse and Addiction
HB-50 - Genetic Testing for Insurance Coverage
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Nondiscrimination in Health Insurance Coverage in the Group Market Model Regulation
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Group Coverage Discontinuance and Replacement Model Regulation
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Coordination of Benefits Model Regulation
HA-40 - Coordination of Benefits Provisions
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Small Group Market Health Insurance Coverage Model Regulation
Accident and Health Insurance Rate and Policy Standards
Model Numbers: 134-190
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Title Of Model
Model #
Related Charts:
State Laws On Insurance Topics -
Guidelines for Filing of Rates for Individual Health Insurance Forms
HA-10 - Filing Requirements Health Insurance Forms and Rates
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Health Policy Rate and Form Filing Model [Act] [Regulation]
HA-10 - Filing Requirements Health Insurance Forms and Rates
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Supplementary and Short-Term Health Insurance Minimum Standards Model Act
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Model Regulation to Implement the Accident and Sickness Insurance Minimum Standards Model Act
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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
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Title Of Model
Model #
Related Charts:
State Laws On Insurance Topics -
Separate Accounts Funding Guaranteed Minimum Benefits Under Group Contracts Model Regulation
LI-20 - Form Filing Requirements Life Insurance Policies
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Annual Financial Reporting Model Regulation
CA-10 - Annual and Quarterly Financial Reporting Requirements
Agents/Brokers/Producers
Model Numbers: 218-230
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Title Of Model
Model #
Related Charts:
State Laws On Insurance Topics -
Producer Licensing Model Act
PR-15 - Compensation Disclosure Requirements for Producers
PR-20 - Producer Education and Examination Requirements
PR-30 - Fingerprint Requirements for Licensing
PR-60 - Producers' Fiduciary Responsibilities鈥擯remiums
PR-70 - Producers' Ability to Charge Fees and Collect Commissions
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Prevention of Illegal MEWAs and Other Illegal Health Insurers Model Regulation
PR-20 - Producer Education and Examination Requirements
HA-95 - MEWAs and METs Provisions -
Authorization for Criminal History Record Check Model Act
PR-30 - Fingerprint Requirements for Licensing
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Public Adjuster Licensing Model Act
PR-20 - Producer Education and Examination Requirements
PR-30 - Fingerprint Requirements for Licensing
PL-40 - Adjuster Licensing Requirements
MC-90 - State Laws on Records Maintenance
Annuities/Variable Contracts
Model Numbers: 235-278
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Title Of Model
Model #
Related Charts:
State Laws On Insurance Topics -
Annuity Disclosure Model Regulation
LI-35 - Annuity Disclosure Provisions
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Modified Guaranteed Annuity Regulation
LI-20 - Form Filing Requirements Life Insurance Policies
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Variable Life Insurance Model Regulation (includes commentary)
LI-20 - Form Filing Requirements Life Insurance Policies
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Suitability in Annuity Transactions Model Regulation
PR-20 - Producer Education and Examination Requirements
LI-35 - Annuity Disclosure Provisions
LI-55 - Suitability of Sales of Life Insurance and Annuities -
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
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Title Of Model
Model #
Related Charts:
State Laws On Insurance Topics -
Investments of Insurers Model Act (Defined Limits Version)
CF-50 - Limitations on Insurers' Investments
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Derivative Instruments Model Regulation
CF-50 - Limitations on Insurers' Investments
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Investments of Insurers Model Act (Defined Standards Version)
CF-50 - Limitations on Insurers' Investments
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Model Act on Custodial Agreements and the Use of Clearing Corporations
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Model Regulation on Custodial Agreements and the Use of Clearing Corporations
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Risk-Based Capital (RBC) Model Act
CF-20 - Capital and Surplus Requirements on Risks
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Risk-Based Capital (RBC) for Health Organizations Model Act
CF-20 - Capital and Surplus Requirements on Risks
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Business Transacted with Producer Controlled Property/Casualty Insurer Act
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Investments in Medium Grade and Lower Grade Obligations Model Regulation
I-CF-50 - Limitations on Insurers' Investments
Credit Insurance
Model Numbers: 360-370
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Title Of Model
Model #
Related Charts:
State Laws On Insurance Topics -
Consumer Credit Insurance Model Regulation
PC-50 - Terrorism and War Risks Exclusion
Examinations
Model Numbers: 385-395
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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
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Model Law on Examinations
CF-40 - Financial Examinations Standards for Insurers
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Participation in the 不良研究所官方 Insurance Regulatory Information System (IRIS) Model Act
Health Maintenance Organizations
Model Numbers: 430-432
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Title Of Model
Model #
Related Charts:
State Laws On Insurance Topics -
Health Maintenance Organization Model Act
HM-10 - Departmental Regulation of HMOs
HM-20 - Open Enrollment Periods for HMOs
HM-30 - HMO Net Worth and Deposit Requirements -
Model Regulation to Implement Rules Regarding Contracts and Services of Health Maintenance Organizations
HM-10 - Departmental Regulation of HMOs
HM-20 - Open Enrollment Periods for HMOs
HM-30 - HMO Net Worth and Deposit Requirements
Holding Companies
Model Numbers: 440-450
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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
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Title Of Model
Model #
Related Charts:
State Laws On Insurance Topics -
An Act Concerning Insider Trading of Domestic Stock Insurance Company Equity Securities
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Regulations Adopted Pursuant to an Act Concerning the Insider Trading of Domestic Stock Insurance Company Equity Securities
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Regulation Regarding Proxies, Consents and Authorizations of Domestic Stock Insurers
Insolvency
Model Numbers: 505-558
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Title Of Model
Model #
Related Charts:
State Laws On Insurance Topics -
Life and Health Insurance Guaranty Association Model Act
IN-10 - Life and Health Guaranty Fund Laws
IN-15 - Life and Health Guaranty Funds Triggering Provisions
IN-50 - Health Maintenance Organization Coverage by Guaranty Associations
TX-60 - Premium Tax Credits for Guaranty Association Assessments -
Property and Casualty Insurance Guaranty Association Model Act
IN-30 - Property and Casualty Guaranty Fund Laws
IN-35 - Property and Casualty Guaranty Triggering Provisions
TX-60 - Premium Tax Credits for Guaranty Association Assessments
Life Insurance
Model Numbers: 565-620
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Title Of Model
Model #
Related Charts:
State Laws On Insurance Topics -
Group Life Insurance Definition and Group Life Insurance Standard Provisions Model Act
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Military Sales Practices Model Regulation
PC-50 - Terrorism and War Risks Exclusion
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Advertisements of Life Insurance and Annuities Model Regulation
LI-30 - Life Insurance Disclosure Provisions
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Life and Health Insurance Policy Language Simplification Model Act
LI-20 - Form Filing Requirements Life Insurance Policies
LI-30 - Life Insurance Disclosure Provisions
MC-25 - Readability Requirements -
Life Insurance Disclosure Model Regulation
LI-30 - Life Insurance Disclosure Provisions
LI-35 - Annuity Disclosure Provisions -
Life Insurance Illustrations Model Regulation
LI-30 - Life Insurance Disclosure Provisions
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Model Policy Loan Interest Rate Bill (An Act to Regulate Interest Rates on Life Insurance Policy Loans)
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Disclosure for Small Face Amount Life Insurance Policies Model Act
Limited Lines
Model Numbers: 628-633
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Title Of Model
Model #
Related Charts:
State Laws On Insurance Topics -
Title Insurers Model Act
CF-90 - Reserve Requirements for Title Insurers
MC-90 - State Laws on Records Maintenance
Long-Term Care Insurance
Model Numbers: 640-643
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Title Of Model
Model #
Related Charts:
State Laws On Insurance Topics -
Long-Term Care Insurance Model Act
HS-10 - Long-Term Care Insurance Act Provisions
HS-15 - Long-Term Care Insurance Regulation Provisions -
Long-Term Care Insurance Model Regulation
HS-10 - Long-Term Care Insurance Act Provisions
HS-15 - Long-Term Care Insurance Regulation Provisions
PC-50 - Terrorism and War Risks Exclusion
Medicare Supplement Insurance
Model Numbers: 650-660
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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
HB-50 - Genetic Testing for Insurance Coverage
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不良研究所官方 Model Rules Governing Advertisements of Medicare Supplement Insurance with Interpretive Guidelines
Miscellaneous
Model Numbers: 668-698
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Title Of Model
Model #
Related Charts:
State Laws On Insurance Topics -
Insurance Data Security Model Law
MC-30 - Insurance Privacy Protection in Response to the Gramm-Leach-Bliley Act
RE-40 - General State Privacy Breach/Consumer Protection Laws -
不良研究所官方 Insurance Information and Privacy Protection Model Act
MC-30 - Insurance Privacy Protection in Response to the Gramm-Leach-Bliley Act
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Privacy of Consumer Financial and Health Information Regulation
MC-30 - Insurance Privacy Protection in Response to the Gramm-Leach-Bliley Act
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Standards for Safeguarding Customer Information Model Regulation
MC-30 - Insurance Privacy Protection in Response to the Gramm-Leach-Bliley Act
RE-40 - General State Privacy Breach/Consumer Protection Laws -
Insurance Fraud Prevention Model Act
CA-90 - Statutes Making the Unauthorized Transaction of Insurance a Criminal Act
MC-10 - Insurance Fraud Prevention Laws -
Service Contracts Model Act
PA-60 - Service Contracts, Motor Clubs and Other Extended Warranties
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Viatical Settlements Model Act
MC-90 - State Laws on Records Maintenance
Property and Casualty Insurance
Model Numbers: 700-751
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Title Of Model
Model #
Related Charts:
State Laws On Insurance Topics -
Model Risk Retention Act
CA-80 - Captive Insurance Company Laws
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Property Insurance Declination Termination and Disclosure Model Act
MC-20 Use of Credit Reports/Scoring in Underwriting
MC-40 Domestic Violence Laws
MC-45 Prohibitions Against Redlining and Other Geographic Discrimination -
不良研究所官方 Automobile Insurance Declination, Termination and Disclosure Model Act
PA-30 - Compulsory Motor Vehicle Insurance
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Model Regulation to Require Reporting of Statistical Data by Property and Casualty Insurance Companies
Property and Casualty Insurance Rating Laws
Model Numbers: 777-777
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Title Of Model
Model #
Related Charts:
State Laws On Insurance Topics -
Property and Casualty Commercial Rate and Policy Form Model Law (Condensed)
PA-10 - Rate Filing Methods for Property/Casualty Insurance, Workers' Compensation, Title
PA-15 - Form Filing Methods for Property/Casualty
Reinsurance
Model Numbers: 785-803
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Title Of Model
Model #
Related Charts:
State Laws On Insurance Topics -
Term and Universal Life Insurance Reserve Financing Model Regulation
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Reinsurance Intermediary Model Act
PR-20 - Producer Education and Examination Requirements
MC-90 - State Laws on Records Maintenance
Standard Nonforfeiture and Valuation
Model Numbers: 805-830
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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
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不良研究所官方 Model Rule Permitting Smoker/Nonsmoker Mortality Tables for Use in Determining Minimum Reserve Liabilities and Nonforfeiture Benefits
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Recognition of the 2001 CSO Mortality Table for Use in Determining Minimum Reserve Liabilities and Nonforfeiture Benefits Model Regulation
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Model Regulation Permitting the Recognition of Preferred Mortality Tables for Use in Determining Minimum Reserve Liabilities
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Preneed Life Insurance Minimum Standards for Determining Reserve Liabilities and Nonforfeiture Values Model Regulation
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Determining Reserve Liabilities for Credit Life Insurance Model Regulation
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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
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Title Of Model
Model #
Related Charts:
State Laws On Insurance Topics -
Nonadmitted Insurance Model Act
TX-55 - Direct Procurement Tax Rates
Unfair Trade Practices
Model Numbers: 880-920
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Title Of Model
Model #
Related Charts:
State Laws On Insurance Topics -
Unfair Trade Practices Act
PA-70 - Producers' Ability to Charge Fees and Collect Commissions
MC-20 - Use of Credit Reports/Scoring in Underwriting
MC-40 - Domestic Violence Laws
MC-45 - Prohibitions Against Redlining and Other Geographic Discrimination
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Model Regulation for Complaint Records to be Maintained Pursuant to the 不良研究所官方 Unfair Trade Practices Act
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Model Regulation on Unfair Discrimination in Life and Health Insurance on the Basis of Physical or Mental Impairment
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Model Regulation on Unfair Discrimination on the Basis of Blindness or Partial Blindness
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Unauthorized Transaction of Criminal Model Act
CA-90 - Statutes Making the Unauthorized Transaction of Insurance a Criminal Act
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Unfair Discrimination Against Subjects of Abuse in Health Benefit Plans Model Act
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Unfair Discrimination Against Subjects of Abuse in Life Insurance Model Act
MC-40 - Domestic Violence Laws
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Unfair Discrimination Against Subjects of Abuse in Disability Income Insurance Model Act
MC-40 - Domestic Violence Laws
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Unfair Discrimination Against Subjects of Abuse in Property and Casualty Insurance
MC-40 - Domestic Violence Laws
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Unfair Claims Settlement Practices Act
MC-50 - Claims Settlement Provisions
MC-55 - Private Rights of Action for Unfair Claims Settlement Practices -
Unfair Property/Casualty Claims Settlement Practices Model Regulation
MC-50 - Claims Settlement Provisions
MC-55 - Private Rights of Action for Unfair Claims Settlement Practices -
Unfair Life, Accident and Health Claims Settlement Practices Model Regulation
MC-50 - Claims Settlement Provisions
MC-55 - Private Rights of Action for Unfair Claims Settlement Practices -
Market Conduct Record Retention and Production Model Regulation
MC-90 - State Laws on Records Maintenance
Health Care Reform
Model Numbers: 929-929
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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
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Title Of Model
Model #
Related Charts:
State Laws On Insurance Topics -
Guideline for Implementation of Medical Professional Liability Closed Claim Reporting
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Registration and Regulation of Third-Party Administrators
CA-10 - Annual and Quarterly Financial Reporting Requirements
PL-20 - Third Party Administrator Licensure and Bond Requirements
MC-90 - State Laws on Records Maintenance -
Independent Adjuster Licensing Guideline
PL-40 - Adjuster Licensing Requirements
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Notice of Protection Provided by [State] Life and Health Guaranty Association
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Guideline for Stay on Termination of Netting Agreements and Qualified Financial Contracts
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Guideline For Payment Of Interest To Receiver On Overdue Reinsurance Recoverables
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Title Agent Statistical Data Plan Implementation Guideline
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Guideline for Implementation of State Orderly Liquidation Authority
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Property and Casualty Model Rating Law (File and Use Version)
PA-10 - Rate Filing Methods for Property/Casualty Insurance, Workers' Compensation, Title
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Property and Casualty Model Rate and Policy Form Law Guideline
PA-10 - Rate Filing Methods for Property/Casualty Insurance, Workers' Compensation, Title
PA-15 - Form Filing Methods for Property/Casualty
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Property and Casualty Model Rating Law (Prior Approval Version)
PA-10 - Rate Filing Methods for Property/Casualty Insurance, Workers' Compensation, Title
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Property and Casualty Model Rate and Policy Form Regulation Guideline
PA-10 - Rate Filing Methods for Property/Casualty Insurance, Workers' Compensation, Title
PA-15 - Form Filing Methods for Property/Casualty
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Guidelines for Regulation and Legislation on Workers' Compensation Coverage for Professional Employer Organization Arrangements
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Guidelines for the Filing of Workers' Compensation Large Deductible Policies and Programs (Large Deductible Filing Guidelines)
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Guideline for Administration of Large Deductible Policies in Receivership
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Guideline for Definition of Reciprocal State in Receivership Laws
Library & Archives
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