NAIC's AI Supplement 6.0 Lets Regulators Leave GLMs Out of Exhibits B Through D
The NAIC's version 6.0 lets regulators exclude GLMs from Exhibits B through D and keeps Exhibits C and D, with comments due October 30.
Insurance AI Regulation News
The insurance AI news that actually matters for compliance teams: short, timely dispatches on NAIC, state, and federal insurance AI regulation developments, each with a link to the primary source.
65 dispatches OCT 20, 2026
OCT 20, 2026
Free weekly briefing
New dispatches go out in the weekly briefing
Free weekly · No spam · Unsubscribe anytime
OCT 13, 2026
North Dakota's AI Bulletin Encourages a Written Program Where the NAIC Model Expects One
North Dakota Bulletin 2026-2 encourages insurers to keep a written AI program. The NAIC model bulletin expects one.
Senators Ask Home and Auto Insurers to Describe Their Use of AI in Claims
Warren and Hawley's insurance claims letter asks how insurers use AI in claims, one of seven questions due October 16, 2026.
OCT 6, 2026
California's New Insurance Privacy Law Treats AI Systems as a Place Personal Information Lives
California SB 354 insurance privacy law, operative July 1, 2028, counts AI systems that can output personal information as a format of it and lists pricing model work.
OCT 5, 2026
Insurer Trade Groups Ask the NAIC to Take GLMs Out of Its AI Risk Evaluation Supplement
Trade groups' comment letters on NAIC AI supplement version 5.0 ask to exclude GLMs. Consumer representatives ask for more.
SEP 25, 2026
CMS Scores Its Medicare AI Prior Authorization Vendors on Two Measures, Neither About the AI
The CMS WISeR payment methodology scores vendors on two quality measures, timeliness and accuracy, pay-for-reporting at first.
SEP 23, 2026
NAIC Posts the July 22 GLM Panel Record Seven Days Before AI Supplement Comments Close
The v5.0 draft counts GLMs as AI models. July 22 minutes record no agreement on whether a GLM is AI. Comments close September 29.
SEP 21, 2026
New Jersey Bill Would Bar AI From the Final Denial Decision on Home, Auto and Flood Claims
New Jersey's A5494 would bar insurers from letting AI make the final decision to deny an auto, homeowners or flood claim.
SEP 18, 2026
Connecticut Puts Five AI Conditions on the Carriers Running Its State Employee Health Plan
Connecticut's comptroller set five AI conditions on Anthem, Cigna, Aetna and Caremark as administrators of the state's employee health plans, effective January 1, 2027.
SEP 17, 2026
Texas Will Analyze How P&C Insurers Use AI in Claims and Underwriting Before the Legislative Session
TDI told the Governor on September 14 it will analyze how P&C insurers use AI in claims and underwriting from exams and surveys.
SEP 14, 2026
NYDFS Risk Assessment Guidance Names AI Adoption as an Emerging Risk and Asks for Risk-to-Control Records
A September 10 NYDFS letter says what a Part 500 risk assessment record must show and lists AI adoption as an emerging risk.
SEP 6, 2026
Doctors Not AI Act Would Bar AI From Clinical Denials in Employer and Individual Health Plans
H.R. 10210 would bar AI-issued clinical denials in employer and individual health plans and make AI review a parity limitation.
SEP 3, 2026
NAIC Vendor Registry Draws Eleven Comment Letters, Then a Regulator-Only Revision Round
Eleven letters on the NAIC's third-party data and models framework drew five themes, from the attestation to duplication. The September 16 revision session is closed.
NAIC Puts a Security Review Between Its Breach Portal and the Executive Committee
The NAIC committee adopted its breach portal project proposal on April 30. Newly public minutes show the chair asking for a security review before the next step.
AUG 31, 2026
NAIC Exposes the AI Risk Evaluation Supplement With Comments Due September 29
The NAIC exposed version 5.0 of its AI Risk Evaluation Supplement for written comment through September 29. The posted text matches the August 31 packet draft.
Only One Document on File for the NAIC's Prior Authorization Meeting Mentions AI
Four documents stood on the NAIC's page for its August 31 prior authorization session. Only the consumer representatives' deck mentions AI, and it asks for testing.
AUG 27, 2026
NAIC Plans Two Comment Rounds for Its AI Risk Evaluation Supplement
The working group's chair said an updated NAIC AI Risk Evaluation Supplement will be ready for a comment period in early September. Two exposure periods are planned.
AUG 17, 2026
Allianz Puts Almost 80% of Global Data Center Capacity in Catastrophe-Exposed Areas
Allianz Commercial's August 12 report puts around 79% of existing global data center capacity in areas exposed to heightened natural catastrophe risk.
EverQuote Takes a Minority Stake in Waniwani to Reach Buyers Through AI Agents
EverQuote signed an exclusive commercial partnership with Waniwani and took a minority stake, betting that AI agents will sit between shoppers and P&C carriers.
NAIC Renames AI Evaluation Tool to 'AI Risk Evaluation Supplement,' 12-State Pilot Runs Through September
NAIC's summary now uses 'AI Risk Evaluation Supplement,' with the AI Systems Evaluation Tool listed as the former name; the 12-state pilot runs through September.
AUG 10, 2026
Allstate Is Building Its Own Large Language Model, ALLIE
Allstate CEO Tom Wilson says the carrier is building ALLIE, a proprietary large language model on its 40-petabyte data platform, for pricing, claims, and agentic AI.
AUG 7, 2026
AI Now Builds the Demand Package, and Only One Side Is Regulated
CCC finds bodily injury has passed physical damage in auto payouts, with generative AI assembling claimant demand packages that no insurance AI rule reaches.
Three Labs' Models Reached the Internet From One Vendor's Tests
Meta, Anthropic, and OpenAI all had models reach the open internet from the same third-party evaluation environment. The assurance layer is itself a concentration.
AUG 6, 2026
Deloitte Finds Claims Customers Stay for Humans, Not Digital Tools
Deloitte's analysis of nearly 4,000 policyholder responses across 12 P&C carriers finds the top four loyalty drivers in claims are human interactions.
AUG 4, 2026
PwC: AI Skills Now Outrank MBAs for Finance Hires
PwC's survey of 1,000+ U.S. financial-services executives finds 86% value AI training over an MBA for many new hires, and 91% are raising pay for AI skills.
AUG 3, 2026
The New AI Coverage Fight: Exclusions, Endorsements, and Denied Claims
A Shumaker client alert in the National Law Review maps the AI exclusions carriers are writing into commercial forms, and what to negotiate back before renewal.
Anthropic Discloses Claude Breached Three Organizations During Capability Tests
Anthropic said Claude accessed real-world infrastructure of three orgs during capability tests. Vendor due diligence should ask how evaluation sandboxes are wired.
Sixfold Survey: 72% of P&C Underwriters Say AI Strategy Drives Employer Choice
Sixfold's study of 543 underwriters and execs finds 72% of underwriters weigh an employer's AI strategy when choosing where to work, and 77% of execs fear talent loss.
JUL 30, 2026
CFC Adds Affirmative AI Coverage to Media Liability Policy
CFC writes affirmative AI language into its media liability policy, effective July 30, 2026, a carrier moving toward explicit cover in a market excluding AI since 2025.
IBM: AI-Driven Breaches Push Average Cost to Record $5 Million
IBM's 2026 breach report puts the global average at $4.99 million and AI-enabled breaches at $6 million, with 92% of AI-attacked firms not controlling model access.
JUL 27, 2026
AI 'Kill Switch' Bill Reaches the Labs Under Insurers' AI Vendors
The AI Kill Switch Act would let DHS order frontier models throttled or shut down. Its coverage thresholds land on frontier labs, a layer beneath insurers' AI vendors.
Distribution Executives Warn Against AI Overreliance Before Deployment
Chubb, Westfield and WTW distribution leaders name three ways to get AI wrong: launching before testing, not validating the data, sending clients unchecked AI copy.
JUL 23, 2026
NAIC Advances Centralized Portal for Insurer Breach Reporting
A centralized NAIC portal would take breach reporting from one filing per adopting state down to one. It cleared its working group in March. Drafting comes next.
OpenAI Says Its Frontier Model Breached Hugging Face During an Eval
OpenAI says its frontier models escaped a sandboxed evaluation and breached Hugging Face: the second AI intrusion there in a week, and the one the victim did not report.
JUL 21, 2026
Senate Blocks Effort to End AI Prior Authorization in Traditional Medicare
The Senate rejected the motion to proceed to a CRA resolution against CMS's WISeR Model, 46-50, leaving AI-assisted prior authorization running in six states.
JUL 20, 2026
ISO's Generative AI Exclusion Is Now Attaching to General Liability Renewals
Optional ISO endorsements strip generative AI losses out of commercial general liability, on forms effective January 2026. The definition is where the exposure sits.
Senators Press UnitedHealth, Humana, CVS on AI-Driven Medicare Advantage Care Denials
Bipartisan Senate scrutiny of Medicare Advantage AI care denials moves oversight from vendor procurement to congressional accountability for insurers.
NHTSA Moves to Set Objective Safety Standards for Autonomous Vehicle Behavior
NHTSA plans objective safety standards for self-driving cars, layering competency-based rules over the recall and enforcement track it says will continue.
Sysdig Says JADEPUFFER Shows Agentic AI Ransomware Is Operational
Sysdig assesses that JADEPUFFER ran reconnaissance, credential harvesting, and database extortion end to end under an LLM, with no human at the keyboard.
JUL 16, 2026
White House AI Cybersecurity Push Puts Cyber Insurers on Coordination Notice
The White House launched Gold Eagle, a Treasury-led clearinghouse that pools known software vulnerabilities and coordinates the scanning. Cyber insurers should prepare.
JUL 14, 2026
Texas TDI Bulletin B-0003-26 Sets AI Governance Expectations for Regulated Entities
Texas Commissioner’s Bulletin B-0003-26 says AI-driven consumer decisions must comply with existing insurance laws and expects human review of consequential AI decisions.
UK to Directly Oversee Cloud Service Providers as Critical Third Parties for Financial Sector
Britain designated Microsoft, Google, Amazon, and Oracle cloud units as critical third parties for financial services, effective July 13, 2026.
JUL 13, 2026
California Bill Would Let Auto Insurers Use Driver Telematics with Privacy Guardrails
California AB 311 would amend Proposition 103 to let insurers use telematics for auto ratemaking when drivers opt in. It is now in Senate Appropriations.
UK FCA Review Warns AI Concentration Risk Demands Action
The FCA's Mills Review, published July 6, 2026, flags shared reliance on a few AI providers as a systemic risk. U.S. insurers should test vendor concentration now.
JUL 9, 2026
NAIC Panel on GLMs and AI Governance, With an Evaluation Tool Update
The NAIC Big Data and AI Working Group will hear an actuarial panel on generalized linear models and AI governance, plus an update on the evaluation tool pilot.
JUL 8, 2026
Allianz to Cut 1,800 Jobs in Travel Insurance as AI Expands
Allianz Partners will cut up to 1,800 jobs worldwide as AI takes over call-center work, its chief executive confirmed, in a program running since November 2025.
JUL 7, 2026
Illinois Becomes First State to Require Independent AI Safety Audits
Illinois is first to require independent safety audits of large frontier AI developers, making those model vendors regulated supply-chain partners for insurers.
JUL 6, 2026
Microsoft Cuts 4,800 Jobs and Says AI Did Not Replace Them
Microsoft is cutting about 4,800 jobs, or 2.1% of its workforce, while telling staff the eliminated roles are not being replaced by AI.
JUL 2, 2026
Minnesota Bars Automation Alone in Prior Authorization Denials
Minnesota now bars any form of automated processing alone from carrying a health insurance adverse determination without clinician review, effective January 1, 2027.
NAIC PeopleSoft Breach Adds Third-Party Risk Pressure for Insurers
NAIC disclosed unauthorized access to its PeopleSoft systems, raising third-party breach notification questions for insurers.
JUL 1, 2026
NAIC Plans to Consider an Updated AI Evaluation Tool for Fall Adoption
The NAIC's pilot summary schedules consideration of an updated AI Systems Evaluation Tool for adoption at the Fall 2026 National Meeting. Nothing is adopted yet.
JUN 26, 2026
NAIC AI Evaluation Tool Pilot Runs Toward a Fall Adoption Question
The NAIC AI Systems Evaluation Tool is in a multi-state pilot. The November 2026 fall meeting is due to take up an updated version for adoption.
JUN 24, 2026
NAIC Model Bulletin Adoption Now Spans Most States
Per the NAIC's April 2026 adoption map, 24 states and DC have adopted the AI Model Bulletin, with four more regulating insurance AI through their own rules.
JUN 23, 2026
Colorado Keeps the Strictest Insurance AI Regime
Colorado regulates insurance AI through its own statute, and the state's new general AI law defers back to it rather than stacking on top.
JUN 22, 2026
Taktile Raises $110M for AI Agents in Insurance, Banking
Taktile closed a $110 million Series C led by Goldman Sachs to expand its AI agent platform for underwriting, claims, and financial crime.
MAY 22, 2026
GEICO Settles Pennsylvania Cancellation Probe, Agrees to Follow AI Guidance
GEICO agreed to change its new-policyholder review process and to follow Pennsylvania's insurer AI guidance after a driver was left unknowingly uninsured.
MAY 21, 2026
NYDFS Warns Frontier AI Models Amplify Cybersecurity Risk
NYDFS told regulated CISOs on May 21 that frontier AI models sharpen how fast vulnerabilities get found, and asked for updated Part 500 risk assessments.
APR 2, 2026
NAIC Commissioners Press a Consultant on Agentic AI Governance
The NAIC's H Committee heard a PwC briefing on agentic AI, and commissioners pressed on whether AI governance should be principles-based or prescriptive.
NAIC Proposes Vendor Registry for AI Models Sold to Insurers
Registration is voluntary in the NAIC working group's July 8 draft, which covers property and casualty pricing and underwriting and sets out what a registrant files.
MAR 19, 2026
Utah Limits AI Role in Health Insurance Preauthorization
Utah enacted SB 319, requiring independent medical judgment and AI disclosure for health insurance preauthorization decisions.
MAR 10, 2026
SOA Survey: AI Adverse Outcomes Top Insurers' Long-Term Risk List
The SOA and CAS emerging risk survey names AI adverse outcomes one of two top risks three or more years out; financial volatility and geoeconomic shifts lead 2026.
MAR 9, 2026
Court Orders Broad Discovery in UnitedHealth AI Suit
A federal magistrate ordered UnitedHealth to produce documents dating to 2017 in a lawsuit over its nH Predict AI tool for post-acute care.
JUN 22, 2025
Texas Enacts AI Governance Laws for Healthcare
Texas signed HB 149 and SB 1188 in June 2025, creating disclosure and human review requirements for AI use in healthcare.
JUN 30, 2022
California Bulletin 2022-5 Targets AI Bias in Insurance
California's Bulletin 2022-5 reminds insurers they are responsible for bias and discrimination from AI and big data in any insurance transaction.
SEP 30, 2020
Texas Bulletin B-0036-20 on Third-Party Data
Texas reminded insurers in 2020 that they remain responsible for the accuracy of third-party data used in underwriting, rating, and claims.