Model Data Documentation for NAIC Exhibit D
A playbook for insurers preparing NAIC Exhibit D responses: document the 25 data elements, show internal and third-party sources, and close the data gap before the exam.
Bias testing
Bias testing and disparate impact: proxy variables, outcome testing, and the analysis a regulator will ask to see.
How AI Governance Works in Insurance →Guides & analysis
How Disparate Impact Shapes AI Pricing in Insurance
How proxy variables and outcome differences appear in insurance AI pricing, what testing can establish, and where state-specific procedures belong.
What Regulators Test in AI Underwriting
How AI in underwriting works across P&C, life, and health lines, what the NAIC evaluation tool expects, and how to prove your models are fair and traceable.
Colorado Replaces Its AI Act with SB 26-189
Most of Colorado's SB 26-189 waits for January 1, 2027, but one section gave the insurance Commissioner AI disclosure rulemaking power on signing. Where the duties land.
NYDFS Circular Letter No. 7 and the AI Underwriting Proxy Test
What NYDFS Circular Letter No. 7 expects for AI and external data in underwriting and pricing: scope, the proxy test, consumer notice, and vendor audits.
UnitedHealth AI Governance and the nH Predict Case
A sourced UnitedHealth AI governance case study on the unresolved nH Predict dispute, prior authorization data, and the limits of the public record.