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SHA-256_INTEGRITY_AUDIT_PASSED
Prudential Standard GPS 310 Audit and Related Matters
"This standard requires Australian general insurers and Level 2 insurance groups to establish and maintain robust internal audit, external audit, and actuarial review functions, as mandated by the Board and its Audit Committee (BAC) under Clause 48. It sets out minimum requirements for the scope, independence, and reporting of these functions to ensure effective risk management and financial oversight."
Technical ID
au-apra-prudential-standard-gps-310-audit-2023
Risk Management Requirements for General Insurers (2023 Update)
"This standard requires all APRA-regulated general insurers and Level 2 insurance groups to establish and maintain a comprehensive Risk Management Framework (RMF) and a Risk Management Strategy (RMS). The Board is ultimately responsible for the RMF and must ensure it is appropriate to the size, business mix, and complexity of the insurer's operations, as stipulated in Paragraph 14."
Technical ID
australia-apra-gps-220-risk-management-general-insurers
Prudential Standard LPS 110 Capital Adequacy
"This standard requires Australian life insurance companies to maintain a capital base that exceeds their Prescribed Capital Amount (PCA) at all times, as mandated by the Life Insurance Act 1995. The core requirement, detailed in paragraph 10, is that the 'capital base' must be greater than the 'Prescribed Capital Amount' to ensure solvency and protect policyholders."
Technical ID
australia-apra-lps-110-capital-adequacy-life
Commercial Insurer Solvency Self-Assessment (CISSA): Framework…
"This framework requires all Bermuda-registered commercial insurers (Classes 3A, 3B, 4, IGB, and Long-Term Classes C, D, and E) to conduct and document an annual Commercial Insurer Solvency Self-Assessment (CISSA). The CISSA is a comprehensive review of the insurer's risk profile, risk management systems, and capital adequacy, culminating in a formal report submitted to the Bermuda Monetary Authority (BMA) as mandated by Section 6C of the Insurance Act 1978."
Technical ID
bermuda-bma-cissa-commercial-insurer-2023
Circular SUSEP Nº 667, de 2 de julho de 2021: Dispõe sobre os critérios…
"This regulation establishes a Solvency II-based framework for Brazilian insurance companies, open private pension entities, capitalization companies, and local reinsurers, defining the methodology for calculating risk-based capital requirements. As per Article 4, supervised entities must maintain sufficient Adjusted Net Worth (Patrimônio Líquido Ajustado - PLA) to cover the Required Capital (Capital Requerido - CR), which is the greater of the Risk-Based Capital (Capital Baseado em Risco - CBR) and the Minimum Capital Requirement (Capital Mínimo Requerido - CMR)."
Technical ID
brazil-susep-solvency-regulation-circular-2021
OSFI Guideline E-19 — Own Risk and Solvency Assessment (ORSA)
"This guideline requires all federally regulated insurers (FRIs) in Canada to establish and maintain a comprehensive Own Risk and Solvency Assessment (ORSA) process. As per Section 1.1, the ORSA must assess the adequacy of the insurer's risk management framework and its current and future solvency position in relation to its risk profile and strategic plan."
Technical ID
canada-osfi-e19-own-risk-solvency-2023
Solvency Regulatory Rules for Insurance Companies (II) — C-ROSS Phase II
"This regulation establishes the China Risk-Oriented Solvency System (C-ROSS) Phase II, a comprehensive three-pillar framework mandating quantitative capital requirements, qualitative risk management supervision, and market discipline through public disclosure for all insurance companies in China. The core requirement, outlined in Rule No. 1, is to maintain a Core Solvency Adequacy Ratio of ≥50% and a Comprehensive Solvency Adequacy Ratio of ≥100%."
Technical ID
china-cbirc-c-ross-ii-solvency-2022
2022 Methodology and Scenarios
"These guidelines mandate that National Competent Authorities (NCAs) ensure participating Institutions for Occupational Retirement Provision (IORPs) conduct a stress test to assess their resilience against adverse market scenarios, specifically focusing on inflation and interest rate shocks as detailed in the 2022 methodology (Guideline 1). The test requires IORPs to calculate the impact on their balance sheets and funding ratios under both a baseline and an adverse scenario."
Technical ID
eiopa-guidelines-pension-stress-testing-2022
Commission Implementing Regulation (EU) 2015/2452 of 2 December 2015…
"This regulation establishes the mandatory procedures, formats, and quantitative reporting templates (QRTs) that insurance and reinsurance undertakings must use for their annual and quarterly Solvency and Financial Condition Report (SFCR) and Regular Supervisory Report (RSR) as required under the Solvency II Directive (2009/138/EC). The core requirements are detailed in Annexes I, II, and III, which specify the exact structure and content for all supervisory reporting."
Technical ID
eu-commission-implementing-regulation-2015-2452-solvency
Commission Delegated Regulation (EU) 2016/2067 of 2 September 2016…
"This regulation amends the Solvency II framework (Delegated Regulation 2015/35) by specifying updated standard parameters for calculating the Solvency Capital Requirement (SCR) for spread risk on bonds and loans, and for market risk concentrations. It primarily impacts insurance and reinsurance undertakings by adjusting the risk factors they must apply to their asset portfolios, particularly for qualifying infrastructure investments and European Long-Term Investment Funds (ELTIFs), as detailed in the amended Annexes."
Technical ID
eu-delegated-regulation-2016-2067-spread-market-risk
Commission Delegated Regulation (EU) 2016/467 of 30 September 2015…
"This regulation amends the Solvency II framework (Delegated Regulation 2015/35) by updating the standard formula for calculating the Solvency Capital Requirement (SCR) for non-life premium and reserve risk. It specifically revises the correlation parameters and standard deviations for various lines of business, as detailed in the amended Annexes II and IV."
Technical ID
eu-delegated-regulation-2016-467-non-life-premium-risk
Directive 2002/92/EC of the European Parliament and of the Council of 9…
"This directive requires insurance intermediaries to provide consumers with specific, clear pre-contractual information and grants a 14-day right of cancellation for insurance contracts concluded at a distance, as mandated by Articles 12 and 13. It aims to ensure a high level of consumer protection and a single market for insurance mediation."
Technical ID
eu-distance-selling-insurance-directive-2002-92
Guidelines on the own risk and solvency assessment
"These guidelines require all insurance and reinsurance undertakings under the Solvency II Directive to implement and maintain an Own Risk and Solvency Assessment (ORSA) process to continuously assess their overall solvency needs and risk profile. As mandated by Guideline 14, the administrative, management, or supervisory body must approve the ORSA policy, process, and the results of each assessment."
Technical ID
eu-eiopa-guidelines-orsa-2015
Proposal for a Directive of the European Parliament and of the Council…
"This Directive requires EU insurance and reinsurance undertakings to create and maintain pre-emptive recovery plans to address scenarios of significant financial distress, and establishes a harmonised framework for resolution authorities to manage failures in an orderly manner. The core requirement for undertakings is the development of a comprehensive recovery plan as mandated by Article 5."
Technical ID
eu-insurance-recovery-resolution-directive-2021
Directive (EU) 2016/2341 of the European Parliament and of the Council…
"This directive establishes harmonized EU rules for Institutions for Occupational Retirement Provision (IORPs), focusing on governance, risk management, investment freedom, and information disclosure to members. It facilitates cross-border pension fund activities by requiring host Member States to accept the prudential rules of the home Member State, as detailed in Article 11."
Technical ID
eu-iorp-ii-cross-border-transfers-2016
Directive (EU) 2021/2118 of the European Parliament and of the Council…
"This directive amends the EU Motor Insurance framework to enhance protection for victims of traffic accidents, particularly in cases of insurer insolvency, by establishing harmonized compensation mechanisms and minimum coverage amounts. It requires Member States to set up or authorise a body to compensate injured parties resident within their territory if an insurance undertaking becomes insolvent (Article 10a)."
Technical ID
eu-motor-insurance-directive-2021-2118-revision
EU Natural Catastrophe Insurance Gap — European Commission Discussion…
"This European Commission framework provides non-binding recommendations for EU Member States and insurers to close the natural catastrophe (NatCat) insurance protection gap by enhancing risk prevention, improving data collection and modeling, and fostering public-private partnerships. It encourages the development of integrated national strategies and innovative insurance products to address increasing climate-related risks, as detailed in Section 3."
Technical ID
eu-natural-catastrophe-insurance-framework-2024
Directive (EU) 2016/2341 (IORP II) Article 18: Investment Rules for…
"Under Article 18 of the IORP II Directive, EU Member States must ensure that Institutions for Occupational Retirement Provision (IORPs) invest their assets according to the 'prudent person' principle, diversifying investments to avoid excessive risk concentration and ensuring assets are appropriate to the nature and duration of their expected future retirement benefit liabilities."
Technical ID
eu-occupational-pensions-iorp-investment-limits-2016
Pillar 2: System of Governance (Articles 40-50)
"EU Solvency II Pillar 2 (Articles 40-50) mandates that all EU insurance and reinsurance undertakings establish and maintain an effective system of governance. This system must ensure sound and prudent management, including a clear organizational structure, fit and proper requirements for key personnel (Article 42), and robust risk management, compliance, internal audit, and actuarial functions (Articles 44, 46, 47, 48)."
Technical ID
eu-solvency-ii-2009-138-pillar-2-governance
Solvency II
"This regulation provides detailed implementing rules for the Solvency II Directive, specifying the standard formula for calculating the Solvency Capital Requirement (SCR), methods for calculating the Minimum Capital Requirement (MCR), and detailed requirements for governance systems, including the 'prudent person principle' for investments (Article 132). It applies to all insurance and reinsurance undertakings operating within the European Union."
Technical ID
eu-solvency-ii-level-2-delegated-regulation-2015-35
Regular Supervisory Report - RSR
"Under Solvency II Pillar 3, EU insurance and reinsurance undertakings must annually disclose a public Solvency and Financial Condition Report (SFCR) detailing their business performance, governance, risk profile, and capital management, as mandated by Article 51 of Directive 2009/138/EC. They must also submit a confidential and more comprehensive Regular Supervisory Report (RSR) to their national supervisory authority, as required by Article 35."
Technical ID
eu-solvency-ii-pillar-3-sfcr-rsf-reporting
Insurance Market Competitiveness, Climate Risks and Affordability Assessment
"This annual report, mandated by the Dodd-Frank Act, assesses the U.S. insurance market, providing key findings and recommendations to Congress and state regulators on climate-related financial risk, insurance affordability, and market competitiveness. It highlights the increasing impact of climate change on property and casualty insurance availability and recommends enhanced data collection and supervisory practices to address these emerging risks (Recommendation 1)."
Technical ID
fio-annual-report-insurance-us-market-2023
Hong Kong Insurance Authority — Prudential Standards for Authorised…
"This framework mandates that all authorized insurers in Hong Kong establish and maintain a comprehensive risk-based capital adequacy and risk management system, encompassing a three-pillar approach to quantitative requirements, governance, and public disclosure. As per Standard G.1, insurers must implement a robust governance framework, including a clear organizational structure, effective risk management, and internal control systems."
Technical ID
hong-kong-ia-prudential-standards-insurers-2023
IAIS Application Paper on the Supervision of Climate-Related Risks in…
"This paper provides guidance for insurance supervisors to encourage and assess how insurers manage climate-related risks, focusing on the use of scenario analysis to evaluate resilience (Section 4) and the enhancement of public disclosures in line with frameworks like the TCFD (Section 5). It applies to insurance supervisors globally and, by extension, the insurance undertakings they regulate."
Technical ID
iais-application-paper-climate-risk-insurance-2021
IAIS ComFrame Prescribed Capital Requirement (PCR) — Group Capital…
"This regulation establishes the Prescribed Capital Requirement (PCR), a consolidated group-level quantitative capital standard for Internationally Active Insurance Groups (IAIGs), ensuring they hold sufficient capital to absorb significant, unforeseen losses. The core methodology, outlined in ComFrame Module 2, Section 2.1, uses a risk-based approach covering insurance, market, credit, and operational risks."
Technical ID
iais-comframe-pcr-quantitative-requirements-2023
Activities-Based and Entity-Based Measures (2022 Update)
"This framework requires insurance supervisors to implement a comprehensive, activities-based approach to monitor and mitigate systemic risk across the entire insurance sector, complemented by an entity-based assessment to identify Globally Systemically Important Insurers (G-SIIs). As outlined in Section 1, the framework integrates supervisory policy measures, a global monitoring exercise, and resolvability assessments to address both microprudential and macroprudential risks."
Technical ID
iais-holistic-framework-systemic-risk-insurance-2022
IAIS Insurance Core Principle 14: Valuation
"This principle requires insurance supervisors to establish requirements for the valuation of assets and liabilities for solvency purposes, ensuring they reflect their economic value. As per ICP 14.1, this valuation must be market-consistent, providing a realistic view of the insurer's financial position and enabling effective risk management."
Technical ID
iais-icp-14-valuation-solvency-2023
IAIS Insurance Core Principle 25: Supervisory Cooperation and Coordination
"This principle requires insurance supervisors to cooperate and coordinate with other domestic and international supervisors, particularly for internationally active insurance groups (IAIGs). As per ICP 25.1, supervisors must have the legal power and practical ability to engage in this cooperation, including establishing and participating in supervisory colleges and sharing confidential information under strict safeguards."
Technical ID
iais-icp-25-supervisory-cooperation-2023
Accumulation Risk, Systemic Exposure and Supervisory Expectations
"This IAIS Issues Paper outlines supervisory expectations for insurers to enhance their governance and risk management frameworks for cyber underwriting, focusing on managing accumulation risk and systemic exposures. It requires insurers to develop robust strategies for risk assessment, stress testing, and ensuring clarity in policy wording to address both affirmative and non-affirmative cyber risks, as detailed in Section 4."
Technical ID
iais-supervisory-material-cyber-risk-insurance-2022
Amendments to IFRS 17 Insurance Contracts: Transition Relief, Risk…
"These amendments to IFRS 17 provide optional reliefs for entities during the initial transition to the standard, primarily concerning the grouping of contracts into annual cohorts and the accounting for risk mitigation. As detailed in Appendix C, entities can choose between a full retrospective, modified retrospective, or fair value approach, with specific exemptions available to reduce implementation complexity."
Technical ID
iasb-ifrs-17-amendments-2020-transition
IFRS 17 Insurance Contracts — Effective Implementation (January 2023):…
"Effective for annual reporting periods beginning on or after January 1, 2023, IFRS 17 mandates that all entities issuing insurance contracts adopt a new accounting model for their recognition, measurement, presentation, and disclosure. This standard, as per Appendix C, replaces IFRS 4 and requires insurers to measure insurance liabilities using current assumptions, explicitly identify profits in the Contractual Service Margin (CSM), and recognize losses from onerous contracts immediately."
Technical ID
iasb-ifrs-17-insurance-effective-date-2023
India IRDAI Insurance Act 1938 (as amended) — Regulatory Framework for…
"This framework, under the Insurance Act 1938 and IRDAI Act 1999, mandates that all insurers in India maintain a minimum solvency ratio of 150% (Section 64VA) and adhere to prescribed investment norms (Sections 27A, 27B, 27D) to ensure financial stability and protect policyholder interests."
Technical ID
india-irdai-insurance-act-1938-regulations-2024
Lloyd's Market Bulletin Y5387 — Cyber Aggregation Management: Policy…
"This bulletin mandates that Lloyd's managing agents ensure all standalone cyber policies explicitly state coverage for cyber-attacks, whether malicious or not, and manage aggregation risk through specific policy wording, sublimits, and reporting, as detailed in the 'Requirements' section."
Technical ID
lloyd-market-bulletin-y5387-cyber-aggregation-2023
Coverage Scope, Exclusions and Notification Requirements
"The London Market Association (LMA) provides standardized model clauses for cyber liability insurance policies to clarify coverage scope, define key exclusions, and establish notification duties for insured parties. These clauses, such as the Cyber Event definition (LMA5521) and the War Exclusion (LMA5522), aim to create market consistency for affirmative and non-affirmative cyber risk coverage."
Technical ID
lma-model-clauses-cyber-liability-2021
Cybersecurity Program, Risk Assessment and Incident Notification for Insurers
"This model law requires insurance licensees to develop, implement, and maintain a comprehensive written information security program based on an ongoing risk assessment, as mandated by Section 4. It also establishes standards for data security, investigation of, and notification to the state insurance commissioner of a cybersecurity event per Section 6."
Technical ID
naic-cybersecurity-model-law-668-insurance
NAIC Market Conduct Annual Statement (MCAS) 2023 — Standardised Market…
"The NAIC Market Conduct Annual Statement (MCAS) requires life, health, and property/casualty insurers exceeding specified premium thresholds to annually submit standardized data on their market conduct activities. As outlined in the MCAS Data Call and Definitions, this data covers areas such as complaints, claims handling, underwriting, and producer licensing to help state regulators identify trends and potential compliance issues."
Technical ID
naic-market-conduct-annual-statement-mcas-2023
NAIC Risk-Based Capital for Health Organizations — Model Regulation (2023)
"This model regulation requires U.S. health organizations, including insurers and HMOs, to calculate and maintain capital above a minimum formula-based threshold, known as the Risk-Based Capital (RBC) level. As specified in Section 4, failure to maintain capital above defined trigger points (e.g., Company Action Level) mandates specific corrective actions by the organization and potential regulatory intervention to ensure solvency."
Technical ID
naic-model-rbc-health-insurance-2023
Model Regulation and Annual RBC Report Requirements (2023)
"This model regulation requires U.S. life insurance companies to calculate and report their Risk-Based Capital (RBC) annually to state regulators, ensuring they hold sufficient capital to support their business operations in relation to their risk profile. As per Section 4, insurers must take specific corrective actions if their Total Adjusted Capital falls below defined thresholds, such as the Company Action Level."
Technical ID
naic-model-rbc-life-insurance-2023
Model Regulation (2023)
"This model regulation requires property and casualty insurers to maintain capital commensurate with their overall risk profile, calculated via a specific formula. It establishes four levels of regulatory action (Company Action, Regulatory Action, Authorized Control, and Mandatory Control) based on the insurer's Total Adjusted Capital (TAC) to Authorized Control Level Risk-Based Capital (RBC) ratio, as defined in Section 4."
Technical ID
naic-model-rbc-property-casualty-2023
NAIC Privacy of Consumer Financial and Health Information Regulation…
"This model regulation requires insurance licensees to provide consumers with a clear privacy notice regarding their information-sharing practices and to offer an 'opt-out' right before sharing nonpublic personal financial information with nonaffiliated third parties, as mandated by Section 4 and Section 10."
Technical ID
naic-privacy-protection-model-regulation-672
Sovereign Risk Transfer, Contingent Credit and Parametric Insurance Instruments
"This OECD framework provides governments with a strategic approach for developing a comprehensive disaster risk financing strategy to enhance financial resilience against natural and man-made catastrophes. It guides the selection and implementation of financial instruments like contingent credit, sovereign insurance, and catastrophe bonds, as detailed in Chapter 2, to ensure timely and sufficient post-disaster funding."
Technical ID
oecd-policy-framework-disaster-risk-financing-2017
Fair Settlement, Transparency and Anti-Fraud Standards
"This OECD recommendation establishes non-binding principles for insurers and intermediaries in member countries to ensure fair, transparent, and timely settlement of insurance claims, and to effectively combat fraud. The core requirements, detailed in the Annex, cover good faith, transparency, communication, promptness, and the establishment of anti-fraud policies."
Technical ID
oecd-recommendation-insurance-good-practices-2004
MAS Notice MAS 124 — Valuation and Capital Framework for Insurers:…
"This notice establishes the Risk-Based Capital (RBC 2) framework for all licensed insurers in Singapore, mandating specific methodologies for the valuation of assets and liabilities and the maintenance of minimum capital adequacy requirements. As per Paragraph 4, insurers must ensure their financial resources are adequate at all times to meet their obligations to policy owners."
Technical ID
singapore-mas-notice-mas-124-insurance-valuation
MAS Technology Risk Management Guidelines for Insurance Licensees (2021)
"These guidelines by the Monetary Authority of Singapore (MAS) mandate that all licensed insurers establish a robust technology risk management framework, holding the Board and Senior Management accountable for oversight of technology risk, cyber resilience, and management of third-party service providers, as outlined in Section 1.3."
Technical ID
singapore-mas-technology-risk-guidelines-insurance-2021
Joint Standard 2 of 2020: Governance and Operational Risk Requirements…
"This Joint Standard mandates that South African insurers and their controlling companies establish and maintain a comprehensive governance framework and an operational risk management framework. It sets specific requirements for the board of directors, risk management functions, and policies covering ICT, business continuity, and outsourcing, as detailed in Part 2, section 4."
Technical ID
south-africa-pa-joint-standard-2-2020-insurance
FINMA Circular 2023/1 — Corporate Governance for Insurers: Board…
"This circular mandates that Swiss insurance companies establish a robust corporate governance framework, defining the ultimate responsibility of the Board of Directors for the overall business strategy and risk management (MN 10), and requires the establishment of a dedicated Risk Committee for insurers in supervisory categories 1 to 3 (MN 27)."
Technical ID
swiss-finma-circular-2023-insurance-corporate-governance
UNEP FI Principles for Sustainable Insurance (PSI) — A Global Framework…
"The Principles for Sustainable Insurance (PSI) provide a voluntary global framework for insurers to manage Environmental, Social, and Governance (ESG) issues as risk managers, insurers, and investors. Signatories commit to embedding the four core Principles into their business strategy and operations, covering risk management, product development, client engagement, and public disclosure."
Technical ID
un-principles-sustainable-insurance-unepfi-2012
Patient Protection and Affordable Care Act; Health Insurance Market…
"This regulation requires health insurance issuers in the individual and small group markets to provide guaranteed availability of coverage to all applicants (45 CFR §147.104), use modified community rating to set premiums based only on age, tobacco use, family size, and geography (45 CFR §147.102), and cover a comprehensive package of Essential Health Benefits (EHB) (45 CFR Part 156)."
Technical ID
us-aca-insurance-market-reforms-2010
Dodd-Frank Act Section 502: Federal Insurance Office Authorities and…
"Section 502 of the Dodd-Frank Act establishes the Federal Insurance Office (FIO) within the U.S. Department of the Treasury, granting it authority to monitor all aspects of the insurance industry, identify systemically risky insurers, and compel the submission of data from any insurer or affiliate to inform its analysis and reports to Congress (31 U.S.C. § 313)."
Technical ID
us-dodd-frank-federal-insurance-office-section-502
Federal Crop Insurance Act (7 U.S.C. §§ 1501-1524)
"This Act authorizes the Federal Crop Insurance Corporation (FCIC) to provide federally subsidized crop insurance to agricultural producers through approved private insurance providers (AIPs). It mandates specific risk-sharing agreements, premium subsidy levels, and compliance requirements for both producers and insurers to protect against crop losses due to natural causes, as outlined in 7 U.S.C. § 1508."
Technical ID
us-federal-crop-insurance-act-1938-7-usc-1501
Rate Stability Standards, Contingent Nonforfeiture and Benefit Triggers
"This model regulation establishes standards for long-term care insurance rate stability, requiring insurers to submit an actuarial certification with initial filings and justify any subsequent rate increases based on specific loss ratio experience (Section 6). It also mandates offering contingent nonforfeiture benefits to policyholders facing substantial premium increases and standardizes benefit triggers (Sections 8 & 9)."
Technical ID
us-long-term-care-insurance-rate-stability-model-641
State Primacy in Insurance Regulation and Antitrust Exemption Framework
"The McCarran-Ferguson Act establishes that the regulation of the business of insurance is primarily the responsibility of individual states, not the federal government. Under 15 U.S.C. § 1012(b), it grants a limited exemption from federal antitrust laws for activities that constitute the 'business of insurance,' are regulated by state law, and do not involve boycott, coercion, or intimidation."
Technical ID
us-mccarran-ferguson-act-1945-insurance-regulation
NAIC Life Insurance Illustrations Model Regulation 582
"This model regulation establishes standards for life insurance policy illustrations to protect consumers from misleading projections of policy performance. It requires insurers, per Section 11, to have an illustration actuary certify annually that the illustrations used are compliant with this regulation and that the underlying assumptions are supportable."
Technical ID
us-naic-life-insurance-illustrations-model-582
Biggert-Waters Flood Insurance Reform Act of 2012 (BW-12)
"The Biggert-Waters Flood Insurance Reform Act of 2012 (BW-12) requires the National Flood Insurance Program (NFIP) to raise insurance rates to reflect true flood risk and phase out most subsidized premium rates to ensure the program's financial solvency. This applies to FEMA, NFIP-participating communities, and property owners in special flood hazard areas, as mandated by sections like Sec. 100205 (Rate Increases) and Sec. 100207 (Elimination of Subsidized Rates)."
Technical ID
us-nfip-biggert-waters-2012-flood-insurance
Nonadmitted and Reinsurance Reform Act of 2010 (NRRA) — Home State…
"The Nonadmitted and Reinsurance Reform Act of 2010 (NRRA), enacted as part of the Dodd-Frank Act, establishes the insured's "home state" as the sole jurisdiction for regulating and taxing nonadmitted (surplus lines) insurance transactions. This simplifies compliance by making the home state's laws exclusively applicable to the placement and taxation of a multi-state surplus lines policy, as mandated by 15 U.S.C. § 8201 (Sec. 521)."
Technical ID
us-surplus-lines-reform-nonadmitted-reinsurance-act
Viatical Settlements Model Act
"This model act establishes a comprehensive regulatory framework for viatical and life settlement transactions, requiring the licensing of providers and brokers (Section 3), mandating specific disclosures to consumers before and at the time of contract (Section 8), and establishing standards to prevent fraudulent acts and protect consumer privacy (Sections 11 & 12). It applies to all parties involved in viatical settlement contracts, including providers, brokers, and viators."
Technical ID
us-viatical-life-settlements-model-naic-697
Technical Registry Export
Context: Insurance & Risk / Total Filtered: 56 Nodes
This utility allows developers and AI architects to instantly extract technical identifiers for the current filtered view. Use these IDs to programmatically call the Bidda Sovereign Forest API. All exports respect the global Triple-Verification Pipeline.