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Special Section: Long-Term Care Insurance
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Consumer Information Source (CIS)
File and/or search complaints for individual insurance companies.

Online Fraud Reporting System (OFRS)
Report suspected insurance fraud.

Insurance Issues for
Military Personnel

Consumer insurance information for military personnel and families

CONSUMER ALERTS:

Major illness or a stay in the hospital following an accident can be stressful. It's not a time you want to be worried about your insurance coverage. However, for some insurance consumers, this is when they are hit with a denial - notification their insurance company won't pay all or part of a claim. The NAIC suggests you follow these steps when your claim is denied.
Read Alert>

Floods threaten homes from coast to coast - and they can happen anytime, anywhere and without warning. The damage from a flood is not covered under a standard homeowners policy. Before snowmelt and spring rains bring the potential for flooding, the NAIC suggests all homeowners and renters review their flood insurance needs.
Read Alert>

Filling out an individual health insurance application can be confusing and difficult. Insurance companies scrutinize these applications, closely reviewing the information you provide. That's why it's critically important that you educate yourself about individual health insurance and your rights as a consumer.
Read Alert>

Important, but sometimes difficult, filing a claim can be one of the most frustrating processes during a crisis or following a major disaster. Delays in the claims process was the No. 1 complaint of insurance consumers in 2007, according to the NAIC. It is critical that at these times, you are prepared with the information your insurance company needs.
Read Alert>

More Consumer Alerts . . .

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NAIC URGES STRONGER MEDICARE REGULATION


Sandy Praeger
NAIC President and Kansas Insurance Commissioner

NAIC President and Kansas Insurance Commissioner Sandy Praeger today issued the following statement in response to the proposed regulation on Medicare marketing released by the U.S. Centers for Medicare & Medicaid Services (CMS).

Full Story >

STATE INSURANCE REGULATORS FINE CONSECO
Multi-State Examination Finds Serious Long-Term Care Violations

State insurance regulators, working together through the NAIC, today announced the details of a regulatory settlement agreement between 40 jurisdictions and Conseco, Inc., due to a pattern of consumer harm in the company's long-term care insurance business. This multi-state investigation has resulted in a $2.3 million fine and $30 million in claims-handling improvements and restitution.

“Consumers need to have confidence in the insurance products they’re buying and in the companies they’re doing business with,” said Montana State Auditor John Morrison, who chairs the NAIC Market Regulation and Consumer Affairs Committee, which oversees multi-state examinations. “As state insurance regulators, our No. 1 job is to protect consumers by making sure companies pay claims in a prompt and appropriate manner — and to take regulatory action when they fail to do so.”

Full Story >


Joel Ario
Pennsylvania Acting Insurance Commissioner


John Morrison
Montana State Auditor

SEBELIUS TO SPEAK AT NAIC SUMMER MEETING


Kathleen Sebelius
Kansas Governor

Kansas Governor Kathleen Sebelius will be a keynote speaker at the Summer National Meeting in San Francisco. Gov. Sebelius, a former NAIC president and two-term Kansas insurance commissioner, will speak during Opening Session on Saturday, May 31.

E-Reg Conference 2008

More than 650 participants attended the the ninth annual
E-Regulation Conference and Information Technology Exchange, sponsored by the NAIC and National Insurance Producer Registry (NIPR). The E-Reg Conference was held April 27-30 at the Hyatt Regency Crown Center in Kansas City.

Latest News Releases

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Go to Industry page

QUICKLINKS:
For more click the "Industry" header above

Go to NIPR - Licenseregistry.com

System for Electronic Rate and Form Filing — SERFF

State Based System

Military Sales Online Reporting System (MSORS)
Report disciplinary actions regarding military sales to state insurance departments.

Annual & Quarterly Financial Filing:
- Step Through Guide
- Paying Filing Fees
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Participation Packet
- Internet Filing Site
- State Filing Instructions &   Checklists

Model Audit Rule Compliance Guidance
(New Requirements effective 2010)

Annual/Quarterly Blanks Revisions

Annual/Quarterly Statement Instructions Revisions

Life RBC Requirements for C-3 Phase II, Market Risk

Market Conduct Annual Statement Information

UCAA
Uniform Certificate of Authority Application

Product Requirements Locator: Reports regulatory requirements for product filings

Online Fraud Reporting System (OFRS)