NAIC AI Model Bulletin
Sources checked September 30, 2026.
The NAIC Model Bulletin on insurers’ use of AI was adopted in December 2023. It sets governance expectations and reminds insurers that AI-supported decisions remain subject to applicable insurance law. Confirm what the relevant state has adopted and how its regulator applies it. GROUNDED · NAIC NAIC AI topic page.
What to learn
Section titled “What to learn”Study governance, documented use, risk management, validation, and oversight. Connect these to existing consumer-protection and claims-practice duties from ethics and trade practices. A runtime evidence system can support selected questions; it cannot establish the whole governance programme or compliance with every applicable obligation. STABLE
Keep evidence and compliance separate
Section titled “Keep evidence and compliance separate”A signed record may show a named policy decision on a governed event. That does not establish that the policy was appropriate, inputs were valid, an adverse decision was fair, or all systems were captured. Bias testing, human oversight, notice, appeal, and documentation need their own evidence and review. STABLE
The older Law360 article is background, not the current adoption tracker. Do not repeat its state counts or AI-adoption percentages as current. GROUNDED · Law360
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