NAIC Model Bulletin on the Use of AI by Insurers · vNAIC Model Bulletin on the…

NAIC Model Bulletin on the Use of AI by Insurers

NAIC Model Bulletin on the Use of AI by Insurers — 75% covered.

4 requirements · 3 enforced · 0 designed · 0 advisory · 0 deferred.

Source: The NAIC Model Bulletin on the Use of Artificial Intelligence Systems by Insurers (adopted by the National Association of Insurance Commissioners in December 2023, and adopted by numerous US states) sets the regulatory expectation that an insurer deploying AI systems maintains a written AI Systems (AIS) Program with named accountability, governance, documentation, and testing for unfair discrimination across the insurance lifecycle (marketing, underwriting, rating, claims). KYE Protocol™ governs whether an AI-assisted underwriting or claims decision may PROCEED to a consequential adverse action — under a named underwriter's / adjuster's authority, with a recorded adverse-action reason-code, with proxy-discrimination / fairness-evidence captured, with a signed Evidence Pack, and an appeal / contestability record. KYE does not price risk, set the risk appetite, validate the actuarial model, or judge whether the decision is correct. · License: The NAIC Model Bulletin is a public regulatory model document; KYE registry paraphrases each requirement's intent and cites the bulletin section for mapping purposes only.

By category

CategoryReqsEnforcedDesignedAdvisoryDeferredCoverage
Named accountability & governance of the AI decision 1 1 0 0 0 100%
Adverse-action explainability & documentation 1 1 0 0 0 100%
Unfair-discrimination testing evidence 1 1 0 0 0 100%
Actuarial pricing, risk appetite & model design on the merits 1 0 0 0 0 0%

Every requirement → the KYE™ artefact that enforces it

IDTitleStatusKYE™ enforcement
naic-model-bulletin-ai.governance-named-accountability An AI-assisted underwriting / claims decision proceeds only under a recorded named-authority decision enforced audit_events: kye.purpose.request.v1, kye.purpose.admissibility.v1, kye.evidence.decision_map.v1
engines: internal, internal
rule_packs: kye:rule-pack:insurance-underwriting-claims
dictionaries: internal
constitution_refs: constitution/12-PURPOSE-PERMISSION.md
naic-model-bulletin-ai.adverse-action-documentation A consequential adverse action proceeds only with a recorded reason-code and supporting evidence enforced audit_events: kye.evidence.decision_map.v1, kye.evidence.pack.v1
engines: internal
rule_packs: kye:rule-pack:insurance-underwriting-claims
constitution_refs: constitution/13-RESILIENCE-LOOP.md
naic-model-bulletin-ai.unfair-discrimination-testing Fairness-evidence (proxy-discrimination testing) is captured before a consequential decision proceeds enforced audit_events: kye.evidence.pack.v1, kye.replay.context_seal.v1, kye.replay.proof.v1
engines: internal, internal
rule_packs: kye:rule-pack:insurance-underwriting-claims
constitution_refs: constitution/13-RESILIENCE-LOOP.md, constitution/21-DELEGATED-AUDITABILITY.md
naic-model-bulletin-ai.actuarial-pricing-model-design Actuarial pricing, risk-appetite setting, and model design on the merits out-of-scope (no enforcement cited)