NAIC Insurance Regulatory Information System (IRIS)

IRIS Ratio Results are generated automatically upon data submission if all IRIS data elements are present in the submission. If IRIS data elements are submitted with data validation failures or material accounting errors, these failures/errors will be reflected in the IRIS ratio results.

As soon as the NAIC calculates an insurer's IRIS ratios, the IRIS Financial Ratio Results Report will be made available to the states and will be sent electronically to the Company’s Current Financial Statement Contact person via e-mail. For those companies that do not have a valid annual statement e-mail address, printed reports will be mailed.

If a company submits amended data that affects the current processing year IRIS ratios, the NAIC will recalculate IRIS. As with the original IRIS ratios report, the I RIS Financial Ratio Results Report will be made available to the states and will be sent electronically to the Company’s Current Financial Statement Contact person via e-mail. For those companies that do not have a valid annual statement e-mail address, printed reports will be mailed. The insurer Internet reports, or reports viewed through Internet Filing, will have the most current IRIS Ratio Results Report available for an insurer.

Currently, the NAIC only generates IRIS ratio results for Property & Casualty, Life and Fraternal statement filers. Data for Title, Combined Property & Casualty and Health companies are captured and made available to Database users.

A company that has an Internet Filing User ID and password can retrieve the latest IRIS Ratio Report (whether it be an original or revised report) from the Internet Filing Web site by following the instructions below.

If you already have an Internet Filing User ID and Password:

1. Go to www.naic.org/industry_home.htm.
2. Find the Financial Statement Filing section.
3. Click the "Internet Filing" link under the Participation column.
4. Sign into Internet Filing using the User ID and password assigned to your company. The site is case-sensitive. Please use lower-case lettering only.
5. Click the "IRIS Results" button on the left side of the page.
6. The most recent IRIS results will be displayed. You can also, in most instances, retrieve current IRIS results plus the past four prior years provided that your company had results for these data years.
7. Follow the instructions on the screen to print the IRIS with or without the Internet Filing banner.

A company receives only its own IRIS Ratio Results. You can purchase the Insurance Regulatory Information System (IRIS) Ratio Results through the NAIC Insurance Products & Services Division by calling (816) 783-8300 or e-mail prodserv@naic.org.