What NAIC Accelerated Underwriting Model Bulletin 2022 - AI/ML in Insurance Underwriting: Fair Treatment Principles, External Data Source Governance, Model Validation, Disparate Impact Testing, Consumer Transparency Disclosure and Regulatory File Review Standards requires
This guidance establishes a regulatory framework for insurers using accelerated underwriting (AU) techniques involving external data, predictive models, and AI/ML, requiring adherence to sound actuarial principles, transparency, and non-discrimination. Key oversight provisions are derived from NAIC’s 2024 regulatory guidance adopted by the Life Insurance and Annuities (A) Committee.
Pillar: Insurance & Risk · Authority: National Association of Insurance Commissioners (NAIC) · Version: 1.0.1 · Last updated:
Primary source: https://content.naic.org/cipr-topics/accelerated-underwriting
SHA-256 integrity: de06c2c318fd633f77cedc428459fabbbe9bd2d500b20a5715587c5758db8484
Primary Citations — 5 traced to source
- NAIC Accelerated Underwriting Guidance, https://content.naic.org/cipr-topics/accelerated-underwriting, Regulatory guidance adopted by Life Insurance and Annuities (A) Committee, 2024
- NAIC Model Bulletin on the Use of Artificial Intelligence Systems by Insurers, https://content.naic.org/cipr-topics/accelerated-underwriting, December 2023 adoption, 2023
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