Methodology

The state tracker

The state tracker builds on the NAIC's adoption map and adds the layer it leaves out: the adopting instrument, its date, and a link to each state's own primary source. Status buckets are re-checked weekly against the NAIC map; instrument details are verified row by row against that state's own publication. One review date covers the whole table rather than each row, and the tracker's change log records every review, including the ones that found nothing had changed.

For the states that wrote their own rules, we go further and read the two texts against each other. Every difference on those pages carries the evidence on both sides, with a section reference, so you can see the model bulletin's words and the state's words together rather than take our summary for it. Where one instrument says nothing on a point, we print the reading that established the absence (the term searched, the number of hits, and the tool used), because an absence is a finding and has to be checkable too. A page that has not been read at that depth says so; it never shows a blank that could be mistaken for "no difference".

The vendor directory

The vendor directory lists AI vendors that sell into insurance operations and the governance tools insurers use to oversee AI. Inclusion requires a public product description we can cite and sources for the current brand and any ownership relationship we report. A listing is not a recommendation. Inclusion cannot be bought; payment does not determine inclusion, capability conclusions or evidence labels.

Each entry records the current brand, sourced former names, any confirmed owner and acquisition date, a description drawn from the vendor's materials, working classifications, and the date those basics were checked. Ownership is recorded at the brand level, meaning an acquisition that changes who sells a product and answers for it. A financial sponsor holding the company, such as a private equity owner, is outside the scope of this record even where it is public. Where an entry records no ownership relationship, we have not researched one; that is a gap in the record, not a finding, and it does not establish independent ownership. Two dates appear: each entry carries the date that entry was last checked, and the directory carries the date of the last full re-check of every entry. An entry's date moves only when that entry is re-checked. These dates describe a check of basic information, not verification of product capabilities.

Capability assessments are not yet published. When added, they will refer to a specific product and capability and separate the conclusion from the evidence behind it. An unresearched capability will have no assessment; an absent assessment is not a finding.

Capability conclusions

Supported:

The cited source supports the stated capability within the recorded scope, with a check date. This is not a certification.

Not supported:

A cited source explicitly supports a negative finding, with a check date. Missing public information alone does not justify this conclusion.

Unknown:

The available information does not establish whether the product supports the capability.

Not applicable:

The capability does not apply to the product's recorded scope; the assessment must explain why.

Evidence behind a conclusion

Public material:

A linked document or other publicly inspectable material relevant to the capability, with an explanation of what it shows and what it does not establish.

Vendor statement:

A claim made by the supplier, with its source and statement date. The claim alone is not independent verification.

Searched, not found:

The relevant material was not found within a recorded search scope and date. This does not mean the capability or private documentation does not exist.

These evidence labels distinguish inspectable material from a supplier's statement and from an unsuccessful search. They are not vendor scores. Each assessment must retain its sources, scope and check date; a not-applicable conclusion requires a reason even when no evidence label applies.

The roster is re-checked monthly. Once capability profiles are published, they will be re-checked quarterly; renames, acquisitions and product withdrawals take priority. Changes are logged on the directory and, when available, the relevant profile. Corrections and suggestions go to the contact page.

Every figure is dated

Guides carry a "Last updated" date, and each data product carries the date it was last reviewed in full, so you always know how current a number is, down to the day it was checked.