Members & Regulators

Legal Division

The Legal Division provides quality, comprehensive legal assistance to NAIC members. The Legal Division represents the interests of the NAIC, protects the organization from liability and safeguards its assets. This Division is an integral partner with members and NAIC internal clients in support of NAIC regulatory initiatives, special projects and corporate business development and assists with determining states' compliance with laws and regulations needed for NAIC accreditation.

About Us

Legal Education and Training Seminars

The Legal Division provides Continuing Legal Education (CLE) opportunities, educational seminars and professional presentations to NAIC members, state insurance department staff, international regulators and industry representatives.

Core Legal (pdf flyer)
This course is designed to acquaint attorneys new to state regulation with the various laws that govern the insurance industry. The course begins with a historical presentation of milestones and court cases that have shaped our current understanding of insurance and the business of insurance. Attorneys who want a broader understanding of their role within the state regulatory framework should not miss the opportunity to participate in this course. This course is designed primarily for attorneys with less than five years of experience in insurance regulation. However, veteran attorneys may also benefit from information provided within this course by NAIC legal staff.

Education opportunities will be posted to this page as they become available.

Legal Contacts
Kay Noonan
General Counsel
Gail Sciacchetano
Deputy General Counsel
John Bauer
Chief Counsel Regulatory Affairs
Beth Hargarten
Managing Counsel
Dan Schelp
Managing Counsel
Kara Binderup
Senior Counsel I
Sarah Heidenreich
Legal Counsel III
Jennifer McAdam
Legal Counsel II
Matthew Todd
Legal Counsel II
 
 
Legal Support Duties
Business Activities
  • Contract review
  • Copyright permissions
  • Employment/Employee Benefits matters
  • Litigation support- subpoena responses, requests for affidavits
  • Intellectual Property matters
  • Support for NAIC Business Initiatives
    • SERFF
    • SBS
    • All Strategic Initiatives
  • NIPR Support
  • CLE/Education & Training
  • Document security and retention
Regulatory Activities
  • Direct committee staff support for several groups related to the implementation of the Interstate Insurance Product Regulation Commission
  • Legal support as needed for
    • Reinsurance Collateralization
    • Principles Based Reserving
    • Regulatory Modernization
    • NARAB Working Group
  • Information sharing and confidentiality
  • Class Action Settlements and Summaries
  • Amicus Guidelines
  • Amicus Curiae (friend-of-the-court) Briefs
  • Publications
    • Model Laws, Regulations and Guidelines
    • Compendium of State Laws on Insurance Topics
    • Retaliation Tax Guide
    • Journal of Insurance Regulation
  • Accreditation Reviews
  • Federal Legislation analysis and support
 
Legal Publications
Regulators can download the legal publications in PDF from I-Site.  
NAIC Model Laws, Regulations and Guidelines
This comprehensive six-volume set provides quick access to every NAIC model law, regulation and guideline ever published. Included with many models is a legislative history that explains why the model was adopted and why certain provisions were included. In addition, a state action page cites each state's enacted model or similar/related legislation. Case law annotations present court interpretations on major subjects covered by the NAIC model laws. Updated quarterly
 
White Papers
White papers serve as a vehicle to describe NAIC policy discussions and recommendations on a number of insurance issues. The papers are developed through discussion at NAIC committees and task forces, with input from interested parties. Ample opportunity is provided for input during the drafting process.
 

NAIC Compendium of State Laws on Insurance Topics
This publication contains numerous charts of state laws on specific issues. Some are similar to NAIC model laws and some cover topics that are not included in model laws. These charts were created to answer questions posed by states or NAIC committees as to the different approaches utilized in state law. The loose-leaf publication is updated on a quarterly basis.

 

Retaliation Tax Guide
The Retaliation Guide Volume I contains a summary of state laws on tax rates, assessments, credits, and other aspects of insurance company taxation, as well as other subjects of retaliation such as insurer and producer fees and deposits. Contacts in each insurance department are listed. At the back of the book are a number of charts summarizing rates and other aspects of premium tax regulation. This publication is updated each fall.

The Retaliation Tax Guide Volume II contains a web address for each state’s insurance forms or, where forms are not posted on the web, the actual forms are provided in the publication. This publication is updated yearly.