Methodology
One rule sits under everything here: a claim runs only if it can be traced to a primary NAIC or state document. Rather than assert that, we will show it, on one real sentence.
How one sentence gets made
- 1
A guide needs a number
A guide on the NAIC Model Bulletin has to state how many states have adopted it. That number is a factual claim, so it has to clear the bar before it runs.
- 2
Straight to the primary document
We open the NAIC's own adoption map. Not a law firm alert that repeats the count, not a trade-press summary. The regulator's document, or nothing.
Source NAIC Model Bulletin adoption map (PDF) → - 3
Count it, and record when
We read the current count off the map and write down the date we checked it, because adoption changes through the year and a number without a date is half a fact.
Checked Apr 2026 · 24 + DC
- 4
It runs with a source line
The number publishes with a source line naming the document and its date, so it can never travel without its provenance. On the page, that reads: “As of April 2026, 24 states and DC have adopted the NAIC AI Model Bulletin.”
- 5
When the map moves, the guide moves
Adoption is a moving target. When the NAIC updates the map, we revise the guide and its "Last updated" date moves with it, so the date on the page is the date the fact was true.
- 6
No source, no sentence
A claim that cannot be traced to a primary document this way does not run. It gets cut in editing, not softened into a hedge. That is the whole method.
The same rule, every source
We scan the same pipeline every week, ranked by authority. Only the primary tier can ever be the basis for a factual claim.
NAIC materials
The AI topic page, the official adoption map, and Big Data & AI Working Group records. When we cite what the NAIC has done, it comes from here.
State regulators
Department of insurance bulletins across all 50 states and DC, watched weekly in the most active jurisdictions: Colorado, New York, California, and Texas among them.
Law firm trackers
Read to catch developments early. We go to the primary document before we write anything down.
Trade press and research
Market context around the rules, never the rules themselves.
Staying current
The state tracker
The forthcoming state tracker builds on the NAIC's adoption map and adds the layer it leaves out: how each state differs from the model, and what examiners require. Every difference is checked against that state's own primary guidance first.
Every figure is dated
Guides carry a "Last updated" date, and data-product records carry field-level "last verified" dates, so you always know how current one specific number is, down to the day it was checked.
Question a source or a figure? Write to hello@insureaiwire.com with the article and the document you are reading. Corrections are handled under our editorial policy.
Last reviewed: JUL 9, 2026