State insurance regulators protect consumers and promote competitive markets, ensuring a wide choice of secure insurance products and services to help...
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What is the NAIC and what does it do? • Brings together insurance regulators from the 50 states, the District of Columbia and 5 U.S. territories
• Represents state regulators in dialogues with the federal government and foreign officials
• Provides accreditation of national solvency standards with state-based implementation
• Serves as founding member of the International Association of Insurance Supervisors (IAIS)
• Oversees centralized processes for company licensing, rate and form filing, and producer licensing
• Collects and maintains the world’s largest insurance financial database
• Supports state regulators with market share reports, financial analysis of insurers and model legislation
• Analyzes or models risks of more than 44,300 securities held by insurers
• Manages extensive systems of peer-review, multistate oversight and accreditation programs
What do state insurance regulators do?
State insurance regulators protect consumers and promote competitive markets, ensuring a wide choice of secure insurance products and services to help consumers prepare for the unplanned and unexpected.
Enforce consumer protections, insurance regulation and capital standards
Conduct continuous financial analysis of each insurer
Respond to 2.3 million consumer inquiries
Supervise $1.2 trillion in benefits and claims paid
Monitor $7.7 trillion in insurer assets
Why is state-based insurance regulation right for the U.S.?
State-based insurance regulation can best adapt to meet future economic and financial challenges. Constantly evolving to improve efficiency, coordination and consistency
State regulators maintained the safety and soundness of the U.S. insurance market during the 2008 financial crisis
Insurance market regulation is complex and what works in one state may not work in another.
State-based insurance regulation is responsive to
States tailor a risk-based capital system to the
the diverse and market-specific risks associated
unique risks for life, health and property and
with insurance.
casualty insurance, considering all possible sources of risk.
Each state has unique civil justice, auto insurance
State regulatory authority was reinforced by
and workers’ compensation systems.
the Dodd-Frank Act.
24 States represent 24 of the world’s 50 largest
Legislative and judicial authority over insurance
insurance markets.
matters remains with states.
Visit the new Protecting the Future website to learn how we are working to protect the future forAmerican consumers, employers and the economy as a whole at http://www.naic.org/protectingthefuture.
