AI evaluation tool and third-party oversight
Sources checked September 30, 2026.
Current NAIC work
Section titled “Current NAIC work”The AI Systems Evaluation Tool is in a state pilot. NAIC’s summary places tool use during January–September 2026, across market conduct, financial analysis, and financial exams, with jurisdiction-specific implementation. This updates the old forecast that pilots “were expected” to start. GROUNDED · NAIC Pilot summary.
The working group’s docket also discusses an AI Risk Evaluation Supplement. This work is a regulatory review aid; do not describe a draft, pilot, anticipated adoption, or supplement as a universally enacted law. GROUNDED · NAIC Working-group docket.
Map a specific evidence artifact to a specific question and preserve what it cannot answer. A framework crosswalk is a mapping, not certification or automatic regulatory acceptance. STABLE
Third-party oversight
Section titled “Third-party oversight”NAIC is developing a regulatory framework for third-party data and models used by insurers. The old prediction of vendor licensing does not establish a licensing obligation today. Confirm proposals, enacted state law, and the firm’s activity. GROUNDED · NAIC NAIC AI topic page.
Colorado: replace the old forecast
Section titled “Colorado: replace the old forecast”Colorado enacted SB26-189 in May 2026. It repeals and reenacts the earlier SB24-205 provisions around automated decision-making technology in consequential decisions. The enacted summary includes documentation, notice, human-review and record duties, with developer documentation beginning January 1, 2027, and specified exemptions. Do not teach the original SB24-205 date or a blanket insurer obligation as current. GROUNDED · Colorado Official enacted-bill record.
EU: classify the actual use
Section titled “EU: classify the actual use”The AI Act classifies specified uses rather than every insurance AI system as high risk. Its insurance category concerns life and health risk assessment and pricing for natural persons. Verify classification, exceptions, and applicable dates against current official material. GROUNDED · EU Commission AI Act guidance.
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