The VERIFY checklist

This is the consolidated, actionable to-do list of every volatile specific in the wiki — the things you must confirm against an official source before relying on them. Nothing here is asserted as fact; each row points you to where to get the real answer. (The registry of sources is in ../../sources.md.)

Rule: any concrete number — dollars, hours, # of questions, %, passing score, statute citation, deadline, case status — is VERIFY until checked against an official source. When in doubt, downgrade: prefer VERIFY over a confident wrong number.

How to use this

Pick a section below.
For each row, open the official source and record the answer + the date you checked.
Re-verify periodically — these change.

A. Pre-licensing & exam

#	Verify	Official source	Page
A1	Pre-licensing hours for P&C (and L&H) in WA / CA / NY; whether mandatory; any ethics-hour component	WA OIC / CA DOI / NY DFS + vendor handbook	PLE
A2	Which exam vendor each state uses (PSI / Pearson VUE / Prometric)	State regulator → vendor site	Exam
A3	# of questions, time limit, passing score per state/line	Vendor’s current candidate handbook	Exam
A4	Whether general + state portions are scored separately	Vendor handbook	Exam
A5	Exam content-outline % weightings per topic	Vendor’s published content outline	Exam
A6	Whether P&C is one combined exam or two; how L&H bundles	State regulator + vendor handbook	Lines of authority

B. Background check & fees

#	Verify	Official source	Page
B1	Whether fingerprinting is required (WA / CA / NY), vendor, fee	State regulator background-check instructions	Background check
B2	Whether prints/check happen before or after the exam	State regulator	Background check
B3	Application / exam / license / renewal fees per state and line	State fee schedules + NIPR/Sircon at filing	Application
B4	How a prior conviction / bankruptcy / child-support arrearage is evaluated; waiver process	State regulator (+ counsel)	Background check

C. CE, renewal & reciprocity

#	Verify	Official source	Page
C1	CE hours (+ ethics subset) and renewal cycle per state	State regulator CE/renewal pages	Application
C2	Non-resident reciprocity treatment (esp. NY & CA deviations)	State regulator + NAIC PLMA status	Reciprocity
C3	Whether NIPR or Sircon is the accepted portal per transaction/state	nipr.com / sircon.com / state regulator	NIPR & Sircon

D. Entity, DRLP & corporate prerequisites

#	Verify	Official source	Page
D1	Whether the DRLP must be a corporate officer; how many DRLPs required	State entity-licensing rules	DRLP
D2	Whether the state requires affiliation/termination notices for entities	State entity-licensing guidance	Business-entity licensing
D3	Certificate-of-authority / “conducting business” thresholds for a DE entity into WA / CA / NY	Each state’s Secretary of State + DOI	Corporate prerequisites
D4	Whether SecState filing is a hard prerequisite to DOI licensing	State SoS + DOI	Corporate prerequisites
D5	Current CA agency-name pre-approval process, turnaround, restricted-word list	CA DOI name unit + CA SoS bizfile	California
D6	Exact current CA license-type names and bundling	CA DOI license-type definitions	California

E. MGA, surplus lines & appointments

#	Verify	Official source	Page
E1	Whether WA / CA / NY require separate MGA licensing/registration, a bond, premium thresholds, carrier-contract requirements	State DOI + state MGA Act / NAIC Model #225	What is an MGA
E2	Surplus-lines broker license prerequisites, premium-tax rates, stamping-office filings per state	State DOI surplus-lines section + state stamping office (SLA-CA / ELANY)	Surplus lines
E3	Whether the specific Tech-E&O-for-healthcare-AI program must be non-admitted per state	State DOI + licensing counsel	Surplus lines
E4	Appointment requirement/fee/timing; whether appointment must precede solicitation	State DOI + NIPR appointment processing	Appointment
E5	TPA / claims-adjuster licensing requirements per state	State DOI adjuster/TPA pages	TPA

F. Statutes (state portion)

#	Verify	Official source	Page
F1	Statute citations for each state’s Unfair Trade Practices Act	RCW Title 48 (WA) / CA Insurance Code / NY Insurance Law	Ethics & trade practices
F2	Statute citations for each state’s Unfair Claims Settlement Practices Act	Same as F1	Ethics & trade practices
F3	Whether/how rebating is permitted per state	State insurance code	Ethics & trade practices
F4	Adoption/amendment status of Model 218 and MGA Act #225 in WA / CA / NY	NAIC model-law database + state code	NAIC & Model 218

G. Tax & product figures

#	Verify	Official source	Page
G1	Life/annuity tax figures (MEC 7-pay, contribution limits, exclusion ratio rules)	IRS current-year publications (irs.gov)	Annuities
G2	Medicare/Medicaid/ACA/COBRA/HIPAA specifics & dollar amounts	CMS (cms.gov) + current federal guidance	Health coverages
G3	Current ISO/state property form editions (HO/DP/BPP)	Vendor content outline + state filings	Property coverages
G4	FINRA series required for variable products	FINRA.org	Life policy types

H. AI regulation (current source refresh September 30, 2026)

#	Verify	Official source	Page
H1	Current count of states adopting the NAIC AI Model Bulletin; whether WA / CA / NY adopted it	NAIC adoption tracker (naic.org) + state regulators	AI Model Bulletin
H2	Exact title/date of the NAIC AI Model Bulletin	Official NAIC bulletin	AI Model Bulletin
H3	NAIC survey AI-adoption percentages + bias-testing-gap finding	NAIC Big Data & AI (H) WG survey	AI Model Bulletin
H4	Evaluation Tool pilot outcomes, current supplement and adoption status	NAIC Big Data & AI (H) WG	Evaluation tool
H5	Whether a comprehensive AI model law and/or third-party model law (with vendor licensing) was introduced in 2026	NAIC dockets (naic.org)	Evaluation tool
H6	Colorado SB26-189 operative provisions, rules, exemptions and applicability	Colorado General Assembly + Division of Insurance	Evaluation tool
H7	Current docket status of Kelly v. State Farm and Kisting-Leung v. Cigna	Federal court dockets (PACER)	AI claims litigation
H8	EU AI Act treatment of insurance as “high-risk” + transparency timeline	EU AI Act (Reg. (EU) 2024/1689)	Evaluation tool
H9	Current WA / CA / NY state-specific AI insurance bulletins/guidance (e.g., NY DFS ECDIS)	WA OIC / CA DOI / NY DFS	New York

I. Cost & timing

#	Verify	Official source	Page
I1	Westmont cost/timeline estimates (~$40–50k producer; ~$80–90k incl. surplus lines; ~4 months; ~40% fee) — labeled “estimates, subject to change”	Current written Westmont quote (westmontlaw.com) + live state fees via NIPR	On-ramp / critical path
I2	Whether Glacis (as a model/data vendor) will face direct licensing under the forthcoming NAIC third-party model law, and where	NAIC Third-Party Data & Models (H) WG + enacted state law (+ counsel)	On-ramp / critical path

J. Volume 2 — current and proposed status

Current primary-source snapshots are recorded in sources.md. Older draft/KB specifics remain unverified. Before external use, check the current source and carry its date and limits; see the claim taxonomy.

#	Verify	Official source	Page
J1	Cohort schedule and completion; selection verified September 30 via official September 15 release	Official Lloyd’s release/programme page + current correspondence	Claim taxonomy
J2	Design-partner count (a point-in-time standing claim from a draft)	Current pipeline / commercial materials (ask Joe)	Claim taxonomy
J3	ISO 42001 mapping/coverage claims — including qualitative majority claims — require a current assessment and scope	Current mapping-engine assessment output	Composite case study
J4	Self-serve pricing strings and packaging — published tier figures are brand-kit copy, not a live price list	Current commercial/pricing materials (ask Joe)	Pricing conversation
J5	Litigation cites (Sharp HealthCare; Washington v. Sutter Health) — names, status, disposition	Court dockets (PACER / state courts)	Why healthcare first
J6	Patent status — claimed IP is not granted IP; filing status changes	USPTO records + patent counsel	Claim taxonomy
J7	Corgi Insurance funding figure (reported ≈$108M) + the dedicated-AI-MGA entrant landscape it signals	Funding announcements / press at time of use	The unpriced risk

(Resolved and retired from this list: the OVERT acronym expansion. Canonical is the brand kit’s “Observable Verification Evidence for Runtime Trust”; the draft brochure’s “Open Verifiable Evidence at Runtime” is a known erratum — see What OVERT is.)

K. Capability and market acceptance

#	Verify	Evidence required	Page
K1	Deployed control scope and prevention claim	Exact version/configuration, bypass tests and downstream effect observations	Blind spots
K2	Evidence completeness and denominator provenance	Defined eligible population, independent reconciliation and known gaps	Denominator
K3	OVERT version, governance commencement and conformance	Published standard/governance, actual profile and decision evidence	OVERT
K4	Insurer acceptance, pricing benefit, capacity or policy trigger	Authorised written agreement and applicable wording/rating/legal review	Pilot design

Reminder

This wiki is a study aid, not legal or licensing advice. Confirm every item above with the relevant regulator (WA OIC, CA DOI, NY DFS), the exam vendor’s current candidate handbook, NAIC/NIPR, and qualified professional advisors before acting.

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