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Studies and Special Reports

Government Relations CIPR Statistics Capital Markets Special Report NAIC Store: Journal of Insurance Regulation

The CIPR conducts in-depth research on insurance issues to provide useful information to state regulators, policyholders, consumer advocates, industry members and other state, federal and international policymakers. This page provides access to studies, special reports, and articles on a wide range of insurance regulatory topics and concerns. Occasionally, this page will include documents from non-NAIC sources posted with the author's permission. These are provided for informational use only and their inclusion does not represent NAIC endorsement of the positions and/or facts presented by them.

Click here for an Index of available White Papers from the NAIC Store.

Current Studies

Flood Risk and Insurance
NAIC, Center for Insurance Policy and Research
April 2017

Private-Label Mortgage Securitization Market Challenges and the Implications for Insurers and Insurance Regulation
NAIC, Center for Insurance Policy and Research
December 2016

The State of Long-Term Care Insurance: The Market, Challenges and Future Innovations
NAIC, Center for Insurance Policy and Research
May 2016


Upcoming Studies


Cyber Risk Insurance: Market Advances, Challenges and Regulatory Concerns
NAIC, Center for Insurance Policy and Research

Cyber-risk insurance is a small but rapidly growing market. The rising frequency and severity of data breaches has made cyber risk one of the highest priorities for most businesses. However, despite the recent advances in defining, identifying and underwriting cyber risk, there are still numerous challenges from both the demand and supply side. This study examines the current state of the market, attempts to identify barriers to market growth and presents innovative solutions towards a stable, effective, growing and well-regulated cyber-risk insurance market. This study is expected to be completed and released ahead of the Summer National Meeting.

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Past Studies

Usage-Based Insurance and Vehicle Telematics: Insurance Market and Regulatory Implications
NAIC, Center for Insurance Policy and Research
March 2015

CIPR Study on the State of the Life Insurance Industry: Implications of Industry Trends
NAIC, Center for Insurance Policy and Research
August 2013

Financing Home Ownership: Origins and Evolution of Mortgage Securitization, Public Policy,
Financial Innovations and Crises

NAIC, Center for Insurance Policy and Research
August 2012

Distinguished Scholar Study: Solvency II Calibration
Thomas Herzog, Ph.D., Distinguished Scholar
NAIC, Center for Insurance Policy and Research

Systemic Risk and the U.S. Insurance Sector
Mary A. Weiss, Ph.D., Distinguished Scholar
NAIC, Center for Insurance Policy and Research

The Economic Crisis and Lessons from (and for) U.S. Insurance Regulation
Therese M. Vaughan, Ph.D.
JIR Articles do not necessarily reflect the opinion of the NAIC or its Members.

Preservation of State-Based Insurance Regulation: An Ongoing Challenge in the U.S. and the European Union
Robert W. Cooper., Ph.D.
JIR Articles do not necessarily reflect the opinion of the NAIC or its Members.

The Implications of Solvency II for U.S. Insurance Regulation
Therese M. Vaughan, Ph.D.

The Financial Crisis, Systemic Risk, and the Future of Insurance Regulation
Scott E. Harrington, Ph.D.
(Posted with permission from the National Association of Mutual Insurance Companies)

Future of Business Disciplines, Regulation and Oversight of the U.S. Insurance Marketplace
Mark Boozell
(Posted with permission from the Professional Insurance Agents Insurance Foundation)

History of State Insurance Regulation
NAIC