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Model Laws

Tailoring Regulation & Ensuring Consistency

The 海角论坛 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 海角论坛 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 海角论坛's Account Manager. For those that do not have a subscription to the Model Laws product, individual charts are available for purchase by contacting 海角论坛 Publications at prodserv@naic.org

Accident and Health Insurance

Model Numbers: 10-36

  • Title Of Model

    Model #

    Related Charts:
    State Laws On Insurance Topics

  • Health Insurance Reserves Model Regulation

  • Health Carrier Prescription Drug Benefit Management Model Act

  • Individual Market Health Insurance Coverage Model Regulation

  • Standardized Health Claim Form Model Regulation

  • Health Carrier Claim Audit Guidelines Model Act

  • Individual Market Health Insurance Coverage Model Act

Accident and Health Insurance Consumer Protection

Model Numbers: 40-42

  • Title Of Model

    Model #

    Related Charts:
    State Laws On Insurance Topics

  • Advertisements of Accident and Sickness Insurance Model Regulation

  • Prohibition on the Use of Discretionary Clauses Model Act

Accident and Health Insurance Delivery Systems

Model Numbers: 68-98

  • Title Of Model

    Model #

    Related Charts:
    State Laws On Insurance Topics

  • Prepaid Limited Health Service Organization Model Act

  • Health Care Professional Credentialing Verification Model Act

  • Quality Assessment and Improvement Model Act

  • Health Carrier Grievance Procedure Model Act

  • Utilization Review and Benefit Determination Model Act

  • Health Benefit Plan Network Access and Adequacy Model Act

  • Health Carrier External Review Model Act

  • Uniform Health Carrier External Review Model Act

  • Medical Professional Liability Closed Claim Reporting Model Law

  • The Single Health Care Voluntary Purchasing Alliance Model Act

  • The Regional Health Care Voluntary Purchasing Alliance Model Act

  • The Private Health Care Voluntary Purchasing Alliance Model Act

  • Model Health Plan for Uninsurable Individuals Act

  • Stop-Loss Insurance Model Act

  • Discount Medical Plan Organization Model Act

Accident and Health Insurance Group Regulation

Model Numbers: 100-126

  • Title Of Model

    Model #

    Related Charts:
    State Laws On Insurance Topics

  • Group Health Insurance Standards Model Act

  • Group Health Insurance Mandatory Conversion Privilege Model Act

  • Small Group Market Health Insurance Coverage Model Act


  • Nondiscrimination in Health Insurance Coverage in the Group Market Model Regulation

  • Group Coverage Discontinuance and Replacement Model Regulation

  • Coordination of Benefits Model Regulation

  • Small Group Market Health Insurance Coverage Model Regulation

Accident and Health Insurance Rate and Policy Standards

Model Numbers: 134-190

  • Title Of Model

    Model #

    Related Charts:
    State Laws On Insurance Topics

  • Guidelines for Filing of Rates for Individual Health Insurance Forms

  • Noncancelable and Guaranteed Renewable Terminology Defined

  • Off-Label Drug Use Model Act

  • Newborn and Adopted Children Coverage Model Act

  • Health Policy Rate and Form Filing Model [Act] [Regulation]

  • Supplementary and Short-Term Health Insurance Minimum Standards Model Act

  • Model Regulation to Implement the Accident and Sickness Insurance Minimum Standards Model Act

  • Uniform Individual Accident and Sickness Policy Provision Law (UPPL)

  • Restatement of UPPL in Simplified Language

  • 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

  • Title Of Model

    Model #

    Related Charts:
    State Laws On Insurance Topics

  • Separate Accounts Funding Guaranteed Minimum Benefits Under Group Contracts Model Regulation

  • Annual Financial Reporting Model Regulation


Agents/Brokers/Producers

Model Numbers: 218-230

Annuities/Variable Contracts

Model Numbers: 235-278

  • Title Of Model

    Model #

    Related Charts:
    State Laws On Insurance Topics

  • Interest-Indexed Annuity Contracts Model Regulation

  • Charitable Gift Annuities Model Act

  • Charitable Gift Annuities Exemption Model Act

  • Annuity Disclosure Model Regulation

  • Variable Annuity Model Regulation

  • Modified Guaranteed Annuity Regulation

  • Model Variable Contract Law

  • Variable Life Insurance Model Regulation (includes commentary)

  • Suitability in Annuity Transactions Model Regulation

  • 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

  • Title Of Model

    Model #

    Related Charts:
    State Laws On Insurance Topics

  • Investments of Insurers Model Act (Defined Limits Version)

  • Derivative Instruments Model Regulation

  • Investments of Insurers Model Act (Defined Standards Version)

  • Disclosure of Material Transactions Model Act

  • Protected Cell Company Model Act

  • Model Act on Custodial Agreements and the Use of Clearing Corporations

  • Model Regulation on Custodial Agreements and the Use of Clearing Corporations

  • Corporate Governance Annual Disclosure Model Act

  • Corporate Governance Annual Disclosure Model Regulation

  • Risk-Based Capital (RBC) Model Act

  • Risk-Based Capital (RBC) for Health Organizations Model Act

  • Business Transacted with Producer Controlled Property/Casualty Insurer Act

  • Investments in Medium Grade and Lower Grade Obligations Model Regulation

  • Redomestication Model Bill

  • Model Indemnity Contracts Act

Credit Insurance

Model Numbers: 360-370

  • Title Of Model

    Model #

    Related Charts:
    State Laws On Insurance Topics

  • Consumer Credit Insurance Model Act

  • Credit Personal Property Insurance Model Act

  • Consumer Credit Insurance Model Regulation

Examinations

Model Numbers: 385-395

  • 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

  • Model Law on Examinations

  • Participation in the 海角论坛 Insurance Regulatory Information System (IRIS) Model Act

Health Maintenance Organizations

Model Numbers: 430-432

Holding Companies

Model Numbers: 440-450

  • Title Of Model

    Model #

    Related Charts:
    State Laws On Insurance Topics

  • Insurance Holding Company System Regulatory Act

  • Insurance Holding Company System Model Regulation with Reporting Forms and Instructions

Insider Trading and Proxies

Model Numbers: 460-500

  • Title Of Model

    Model #

    Related Charts:
    State Laws On Insurance Topics

  • An Act Concerning Insider Trading of Domestic Stock Insurance Company Equity Securities

  • Regulations Adopted Pursuant to an Act Concerning the Insider Trading of Domestic Stock Insurance Company Equity Securities

  • Regulation Regarding Proxies, Consents and Authorizations of Domestic Stock Insurers

  • Stockholders Information Supplement Schedule SIS

Insolvency

Model Numbers: 505-558

Life Insurance

Model Numbers: 565-620

  • Title Of Model

    Model #

    Related Charts:
    State Laws On Insurance Topics

  • Group Life Insurance Definition and Group Life Insurance Standard Provisions Model Act

  • Military Sales Practices Model Regulation

  • Advertisements of Life Insurance and Annuities Model Regulation

  • Life and Health Insurance Policy Language Simplification Model Act

  • Life Insurance Disclosure Model Regulation

  • Life Insurance Illustrations Model Regulation

  • Universal Life Insurance Model Regulation

  • Model Policy Loan Interest Rate Bill (An Act to Regulate Interest Rates on Life Insurance Policy Loans)

  • Guidelines on Gifts of Life Insurance to Charitable Institutions

  • Guidelines on Corporate Owned Life Insurance

  • Disclosure for Small Face Amount Life Insurance Policies Model Act

  • Life Insurance and Annuities Replacement Model Regulation

  • Life Insurance Multiple Policy Model Regulation

  • Accelerated Benefits Model Regulation

Limited Lines

Model Numbers: 628-633

  • Title Of Model

    Model #

    Related Charts:
    State Laws On Insurance Topics

  • Title Insurers Model Act

  • Mortgage Guaranty Insurance Model Act

  • Real Property Lender-Placed Insurance Model Act

  • Travel Insurance Model Act

  • Pet Insurance Model Act

Long-Term Care Insurance

Model Numbers: 640-643

  • Title Of Model

    Model #

    Related Charts:
    State Laws On Insurance Topics

  • Long-Term Care Insurance Model Act

  • Long-Term Care Insurance Model Regulation

  • Limited Long-Term Care Insurance Model Act

  • Limited Long-Term Care Insurance Model Regulation

Medicare Supplement Insurance

Model Numbers: 650-660

  • Title Of Model

    Model #

    Related Charts:
    State Laws On Insurance Topics

  • Medicare Supplement Insurance Minimum Standards Model Act

  • Model Regulation to Implement the 海角论坛 Medicare Supplement Insurance Minimum Standards Model Act

  • 海角论坛 Model Rules Governing Advertisements of Medicare Supplement Insurance with Interpretive Guidelines

Miscellaneous

Model Numbers: 668-698

  • Title Of Model

    Model #

    Related Charts:
    State Laws On Insurance Topics

  • Insurance Data Security Model Law

  • 海角论坛 Insurance Information and Privacy Protection Model Act

  • Privacy of Consumer Financial and Health Information Regulation

  • Standards for Safeguarding Customer Information Model Regulation

  • Uniform Fraternal Code

  • Insurance Fraud Prevention Model Act

  • Service Contracts Model Act

  • Interstate Insurance Product Regulation Compact

  • Market Conduct Surveillance Model Law

  • Synthetic Guaranteed Investment Contracts Model Regulation

  • Viatical Settlements Model Act

  • Viatical Settlements Model Regulation

Property and Casualty Insurance

Model Numbers: 700-751

  • Title Of Model

    Model #

    Related Charts:
    State Laws On Insurance Topics

  • Insurance Statute鈥擜tomic Energy Exclusion

  • Nationwide Inland Marine Definition

  • Model Risk Retention Act

  • Mass Marketing of Property and Liability Insurance Model Regulation

  • Property Insurance Declination Termination and Disclosure Model Act

  • 海角论坛 Automobile Insurance Declination, Termination and Disclosure Model Act

  • Property and Casualty Actuarial Opinion Model Law

  • Model Regulation to Require Reporting of Statistical Data by Property and Casualty Insurance Companies

Property and Casualty Insurance Rating Laws

Model Numbers: 777-777

Reinsurance

Model Numbers: 785-803

  • Title Of Model

    Model #

    Related Charts:
    State Laws On Insurance Topics

  • Credit for Reinsurance Model Law

  • Credit for Reinsurance Model Regulation

  • Term and Universal Life Insurance Reserve Financing Model Regulation

  • Special Purpose Reinsurance Vehicle Model Act

  • Reinsurance Intermediary Model Act

  • Life and Health Reinsurance Agreements Model Regulation

  • Assumption Reinsurance Model Act

Standard Nonforfeiture and Valuation

Model Numbers: 805-830

  • Title Of Model

    Model #

    Related Charts:
    State Laws On Insurance Topics

  • Standard Nonforfeiture Law for Individual Deferred Annuities

  • Annuity Nonforfeiture Model Regulation

  • Standard Nonforfeiture Law for Life Insurance

  • 海角论坛 Procedure for Permitting Same Minimum Nonforfeiture Standards for Men and Women Insured Under 1980 CSO and 1980 CET Mortality Tables

  • 海角论坛 Model Rule Permitting Smoker/Nonsmoker Mortality Tables for Use in Determining Minimum Reserve Liabilities and Nonforfeiture Benefits

  • Recognition of the 2001 CSO Mortality Table for Use in Determining Minimum Reserve Liabilities and Nonforfeiture Benefits Model Regulation

  • Model Regulation Permitting the Recognition of Preferred Mortality Tables for Use in Determining Minimum Reserve Liabilities

  • Preneed Life Insurance Minimum Standards for Determining Reserve Liabilities and Nonforfeiture Values Model Regulation

  • Determining Reserve Liabilities for Credit Life Insurance Model Regulation

  • Standard Valuation Law

  • 海角论坛 Model Rule for Recognizing a New Annuity Mortality Table for Use in Determining Reserve Liabilities for Annuities

  • Actuarial Opinion and Memorandum Regulation

  • Valuation of Life Insurance Policies Model Regulation

Unauthorized Insurance

Model Numbers: 840-870

  • Title Of Model

    Model #

    Related Charts:
    State Laws On Insurance Topics

  • Unauthorized Insurers False Advertising Process Act

  • Unauthorized Insurers Process Act

  • Nonadmitted Insurance Model Act

Unfair Trade Practices

Model Numbers: 880-920

  • Title Of Model

    Model #

    Related Charts:
    State Laws On Insurance Topics

  • Unfair Trade Practices Act

  • Model Regulation for Complaint Records to be Maintained Pursuant to the 海角论坛 Unfair Trade Practices Act

  • Model Regulation on Unfair Discrimination in Life and Health Insurance on the Basis of Physical or Mental Impairment

  • Model Regulation on Unfair Discrimination on the Basis of Blindness or Partial Blindness

  • Unauthorized Transaction of Criminal Model Act

  • After Market Parts Model Regulation

  • Unfair Discrimination Against Subjects of Abuse in Health Benefit Plans Model Act

  • Unfair Discrimination Against Subjects of Abuse in Life Insurance Model Act

  • Unfair Discrimination Against Subjects of Abuse in Disability Income Insurance Model Act

  • Unfair Discrimination Against Subjects of Abuse in Property and Casualty Insurance

  • Unfair Claims Settlement Practices Act

  • Unfair Property/Casualty Claims Settlement Practices Model Regulation

  • Unfair Life, Accident and Health Claims Settlement Practices Model Regulation

  • Market Conduct Record Retention and Production Model Regulation

  • Improper Termination Practices Model Act

  • Home Service Disclosure Model Act

Health Care Reform

Model Numbers: 929-929

  • Title Of Model

    Model #

    Related Charts:
    State Laws On Insurance Topics

  • American Health Benefit Exchange Model Act

海角论坛 Guidelines

Model Numbers: GDL-1077-GDL-1985

  • Title Of Model

    Model #

    Related Charts:
    State Laws On Insurance Topics

  • Guideline for Implementation of Medical Professional Liability Closed Claim Reporting

  • Registration and Regulation of Third-Party Administrators

    CA-10 - Annual and Quarterly Financial Reporting Requirements

  • Independent Adjuster Licensing Guideline

  • Notice of Protection Provided by [State] Life and Health Guaranty Association

  • Guideline for Stay on Termination of Netting Agreements and Qualified Financial Contracts

  • Guideline For Payment Of Interest To Receiver On Overdue Reinsurance Recoverables

  • Financial Guaranty Insurance Guideline

  • Title Agent Statistical Data Plan Implementation Guideline

  • Antifraud Plan Guideline

  • Automobile Insurance Fraud Guideline

  • Guideline for Implementation of State Orderly Liquidation Authority

  • Title Insurance Consumer Protection Fund Guideline

  • Property and Casualty Model Rating Law (File and Use Version)

  • Property and Casualty Model Rate and Policy Form Law Guideline

  • Property and Casualty Model Rating Law (Prior Approval Version)

  • Property and Casualty Model Rate and Policy Form Regulation Guideline

  • Guideline on Nonamitted Accident and Health Coverages

  • Guidelines for Regulation and Legislation on Workers' Compensation Coverage for Professional Employer Organization Arrangements

  • Guidelines for the Filing of Workers' Compensation Large Deductible Policies and Programs (Large Deductible Filing Guidelines)

  • Guideline for Administration of Large Deductible Policies in Receivership

  • Guideline for Definition of Reciprocal State in Receivership Laws

漏 All rights reserved 鈥 Reprinting, distributing, or otherwise using this material without written permission from the 海角论坛 is strictly prohibited. This document represents the most current approved version of this 海角论坛 publication. For any questions, clarifications, or legal interpretations, please contact the 海角论坛 Legal Department directly at LegalOperations@naic.org.

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Can't find what you are looking for? Visit our Library to access archived Model Laws, Regulations, and Guidelines.

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