Chapters discuss takeover and administration; data processing; accounting and financial analysis; investigation and asset recovery; claims; guaranty funds; reinsurance; special receiverships; and legal considerations. If this column contains Company, the company, or its representative (e.g., its CPA firm), is expected to provide the form based upon the appropriate state instructions or the NAIC Annual Statement Instructions. New York, NY 10004 The National Association of Insurance Commissioners serves to protect public interest, promote competitive markets, and improve state regulation of insurance. It also serves several other regulatory information needs, such as mandated: experience analysis for particular lines or sublines for individual companies and groups; general market structure and performance analysis; and statistics by company, groups or the industry as a whole. Appendix C of the Risk Retention and Purchasing Group Handbook has been updated. This handbook is based on the Producer Licensing Model Act (MDL-218), the Uniform Resident Licensing Standards and other guidelines. The Annual Statement Electronic Filing includes the annual statement data and all supplements due March 1, per the Annual Statement Instructions. New York, NY 10004 2021 ANNUAL STATEMENT and NEW YORK SUPPLEMENT Life Insurer - General Filing Instructions IMPORTANT FILING REMINDER: Schedule G is to be submitted in its own PDF This handbook's objective is to provide a framework that, while not preempting a state's authority, promotes consistent decisions while reviewing the standardized Uniform Certificate of Authority Application (UCAA) and helps improve the efficiency of the review process. Financial Statement DataPurchase the data that is the basis of this report and manipulate it to achieve the best possible results for your research. For more information, please refer to Regulation 203 (11 NYCRR 82) on the NYCRR. Updated biennially. Access forms, tools, and resources for individuals and organizations to file forms, improve efficiency, and remain compliant. It makes information that impacts the price of auto insurance in each state readily available to insurance regulators monitoring the market and to the public. With a focus on finding the right policy at a good value, the publication details important facts to discuss with insurance providers and addresses the implications associated with dropping a policy once it has been purchased. WebSearch our Database of over 19 million US Business Listings. See the SVO website for a similar list of what was included in this report. The Life and Fraternal reports contain the top 125 groups by state and countrywide for life insurance, annuity considerations and total premiums written. It also indicates the status of the company and provides all necessary information for completing the reinsurer-related requirements in Schedule F and Schedule S of the annual and quarterly statements. ANNUAL STATEMENT FOR THE YEAR 2020 OF THE SEPARATE ACCOUNTS OF THE 19942020 National Association of Insurance Commissioners SA3 The publication provides demographic and insurer/syndicate contact information. Please note: This summary does not represent all examination standards, methodologies and areas of review that could be utilized by an insurance department. A listing of mutual funds that meet conditions in the Purposes and Procedures Manual of the NAIC, qualifying them for more favorable reserve treatment. Find contact information for insurance departments and local insurance agents, or file a complaint. Also includes information on smart shopping strategies and steps to take in protecting homes. A listing of bond mutuals that meet conditions in the Purposes and Procedures Manual of the NAIC, qualifying them for more favorable reserve treatment. The development of the multistate actuarial (MSA) rate review process as outlined in the MSA Framework document which outlines a consistent national approach for reviewing LTCI rates that results in actuarially appropriate increases being granted by the states in a timely manner and eliminates cross-state rate subsidization. (212) 480-4217. Form 4 tracks life insurance and annuity products that have long-term care benefits provided by acceleration of certain benefits within these products. Discover tools and resources to help you understand different types of insurance, claims processes, and practical tips to help support you through every stage of your life. The Supplemental Electronic Filing includes all supplements due April 1, per the Annual Statement Instructions. PLEASE DO NOT FILE ITEMS NOT SPECIFICALLY REQUIRED. Buyers Guide to Fixed Deferred Annuities, Understanding Life Settlements: Selling Your Life Insurance Policy. Published following each National Meeting. This report contains the latest available data drawn from Medicare Supplement Insurance Expense Exhibits filed with the NAIC. We provide tools and resources to help regulators set standards and best practices, provide regulatory support functions, and educate on U.S. state-based insurance regulation. The Synopsis is a brief, handy overview of the activity at each NAIC national meeting. Key 2021 MCAS Dates; December 15, 2021: Call letters to companies: January 21, 2022: Last day to submit 2020 corrections (See FAQ Document) February - March, 2022: MCAS training Answers regarding health care law and insurance. If there is nothing to report, you may complete the NAIC Annual Statement page entitled "Supplemental Exhibits and Schedules Interrogatories" INSTEAD OF filing reports marked "None". We're here to help. Copyright 2019. We provide tools and resources to help regulators set standards and best practices, provide regulatory support functions, and educate on U.S. state-based insurance regulation. Property Bureau 4th Floor Subscriptions are specific to an individual user and access to the platform requires a redemption code, which will be provided via email following verification of the purchase. Browse our timeline to learn how we support insurance regulators in their mission to protect consumers and ensure fair and healthy insurance markets. New York State Department of Financial Services Department of Financial Services), Signed Notarized Jurat (Annual NAIC Blank), Signed Notarized Jurat (New York Supplement), Foreign Companies - See NOTE K; RRGs See NOTE P, Applicable to Article 63 licensee See NOTE T, Form B-Holding Company Registration Statement, Corporate Governance Annual Disclosure***, Independent CPA Assessment of Internal Controls Relative to The Annual Statement Electronic Filing includes the annual statement data and all supplements due March 1, per the Annual Statement Instructions. Purposes and Procedures Manual of the NAIC Investment Analysis Office. Puerto Rico will begin collecting MCAS filings beginning with the 2022 data to be reported on the filing due dates in 2023. Each report includes a record layout to assist with downloading the files for use in a spreadsheet or database. Also shows estimated underwriting profits and operating profits, as well as estimated federal taxes. The annual/quarterly statement filings will need to be uploaded via the Company Document Submission Portal. Foreign property and casualty insurance companies are required to file the New York Supplement electronically with the NAIC and file an electronic copy of the signed notarized New York Supplement jurat page through the Departments Insurance Company and Fraternal Benefit Society Filings Portal. Updated annually. New York State Department of Financial Services This includes all detail investment Having a problem with an insurance company or agent? Provide updated information (name, address, telephone number and e-mail address) within 60 days of any change in CPA. Column (7) Applicable Notes This column contains references to the Notes to the Instructions that apply to each item listed on the checklist. Learn more about the Robert Dineen award. Helps consumers understand what earthquake policies cover and how they work. Posted semiannually. The 2016 Workers' Compensation Large Deductible Study provides regulators, workers' compensation insurers and employers with valuable information about the appropriate use of large deductibles. The March .PDF Filing is the .pdf file for annual statement data, detail for investment schedules and supplements due March 1. The Combined Annual Statement.PDF Filing is the .pdf file for the Combined annual statement data and the combined Insurance Expense Exhibit. Publication explains situations in which having homeowners' insurance may be mandatory, details the basic coverage options available to consumers and answers the most common questions associated with this offering. WebThe NAIC Life Policy Locator can assist you as consumers in locating life insurance policies and annuity contracts of a deceased family member or close relationship. WebThe Largest Network of Diverse-Owned Private Equity Firms and Hedge Funds. Insurance Company and Fraternal Benefit Society Filings Portal. All Department of Financial Services filings must be physically received at the appropriate address as indicated in NOTE B no later than the indicated due date. 2023 Quarterly Statement Blanks Property/Casualty, 2023 Quarterly Statement Blanks Life/Fraternal, QSIT-OSS-2023, QSIP-OSS-2023, QSIL-OSS-2023, QSIH-OSS-2023, 2023 Quarterly Statement Instructions Title, 2023 Quarterly Statement Instructions Property/Casualty, 2023 Quarterly Statement Instructions Life/Fraternal, 2023 Quarterly Statement Instructions Health, Receivers Handbook for Insurance Company Insolvencies. Form 1 focuses on the critical assumptions of morbidity and persistency while still presenting high-level loss ratio data. 4 (2001) and Supplement 1 to Circular Letter No. Appendices contain excerpts of applicable NAIC model laws, interpretations of the Emerging Accounting Issues (E) Working Group and Statutory Accounting Issues (E) Working Have a question or request? Access forms and tools to file expense reports, review Grant and Zone Scholarship balances, and access NAIC travel guidelines. The MCAS application displays an indicator for each state in which, according to your 2020 financial annual statement (FAS), you reported premium meeting the threshold requirements. Recommendations are aimed at adding uniformity and consistency to regulatory processes, while being responsive to state-specific needs. WebREQUIRED FILINGS IN THE STATE OF: Pennsylvania Filings Made During the Year 2021 FOREIGN/ALIEN COMPANIES SHOULD ONLY FILE THOSE SPECIFIC ITEMS NOTED AS REQUIRED IN THE FOREIGN COLUMN. Long-Term Care Insurance Multistate Rate Review Framework. For more information, please refer to, Insurance Co and Fraternal Benefit Society, Rate and Form Filing Requirements and Checklists. Explore future meetings and access past event documents. No new MCAS lines of business are being introduced for the 2021 data year. One Commerce Plaza Updated bi-annually. Stop.Call.Confirm is a registered service markof the National Association of Insurance Commissioners. Proper use helps identify system changes that can improve the method in which data is first collected and allows users to ascertain if their annual statement software vendor has complied with NAIC requirements. The NCCI Examination Report is a comprehensive examination of the data collection and rate-making activities of the National Council on Compensation Insurance. When answering by e-mail, please include telephone number. The paper revisits and reconsiders issues raised in a similar 2006 Workers' Compensation Large Deductible Study. NAIC - Supporting Insurance, Regulators, & Public Interest Copyright 1991. Required to be furnished, in writing, to the Superintendent, within five business days of any determination by the CPA that the Company has materially misstated its financial condition as reported to the superintendent as of the balance sheet currently under audit or that the Company does not meet the minimum capital or surplus requirement of the insurance law as of that date. Summary of 2021 Changes2021 MCAS User GuideScorecard Ratio Formulas, MCAS Revision Process Document See Regulation 118, Section 89.4(c) for additional reporting requirements if the CPA is dismissed or resigns. PO Box 15181 Fall Release 2022- The publication is now available as a PDF via an online subscription service (OSS) through Account Manager. ****A Form F filing is required to be filed annually by a New York domestic insurer that is not part of a group and meets a specified premium threshold. Answers regarding health care law and insurance. New York State Department of Financial Services The Statistical Compilation provides aggregate annual statement data for property/casualty, life/health insurance companies, all HMOs and companies that write accident and health insurance and file annual statements with the NAIC. This product provides access to every NAIC model law, regulation, and guideline currently published. The Quarterly Statement .PDF Filing is the .pdf file for quarterly statement data. Derived from the NAIC Accident and Health Policy Experience Exhibit, the report includes aggregated data from the exhibit in the P&C, health, life and fraternal blanks; extensive breakouts of market share data; company index; and important statistics - such as loss ratios, number of policies and certificates, and number of covered lives. The overall goal is to assist regulators in evaluating and better understanding insurers' risks in order to develop appropriate corrective action plans sooner, and, therefore, potentially decreasing the frequency and severity of insurance company insolvencies. This includes all detail investment schedules and other supplements for which the Annual Statement Instructions exempt printed detail. Albany, NY 12257. MCAS - The Market Conduct Annual Statement, MCAS 2021 - Market Conduct Annual Statement | NAIC, System for Electronic Rates and Forms Filings, Market Regulation and Consumer Affairs (D), Financial Regulation Standards and Accreditation (F), Innovation, Cybersecurity, and Technology (H), Market Conduct Annual Statement Blanks (D), Risk-Based Capital Investment Risk and Evaluation (E), Last day to submit 2020 corrections (See FAQ Document), 2021 filings may be submitted via the online MCAS filing tool, MCAS submissions due for all lines of business, MCAS industry scorecards posted to MCAS Web page for all lines of business, MCAS industry scorecards posted to MCAS Web page for Health, Participation Requirements Detailed information to assist in determining if your company is required to submit MCAS data, Data Collection Worksheets (Blanks) Table layout representation of the required data elements, Data Call and Definitions (Instructions) Listing of MCAS data elements and definitions to follow when preparing data for submission, MCAS User Guide Information about how to use the MCAS application and a listing of data validations used within the application, CSV Data Upload Instructions Layout guidelines for preparing a CSV file for uploading to the MCAS application (The use of a CSV file is not required. IDOI no longer RRGs do not have to file hard copy filings with the Department. E-mail: [emailprotected] IRIS Ratios Manual is also part of the Financial Analysis Solvency Tools (FAST). Developments and trends in financial markets and insurer investments. Representatives from diverse groups who provide varied perspectives on insurance regulatory issues. Instructions concerning internet filing alternative to filing a CD with New York for the New York Supplement are set forth in Circular Letter No. Access public conference call documents and information. The National Association of Insurance Commissioners (NAIC) is a US organization that sets standards and regulations for the insurance industry. Currently, the 2022 Financial Condition Examiners Handbook is available as a PDF via an online subscription service (OSS). For groups, it must be filed by the ultimate holding company for an Article 15 group and by the parent domestic insurer in an Article 16 group. For questions regarding cocodes please call us at: 816-783-8600. Copyright 2016. Corporation Franchise Tax to Dept. (2) File electronically through the Departments Insurance Company and Fraternal Benefit Society Filings Portal. We're here to help. This directory contains a complete listing of the 56 insurance departments that are members of the NAIC. The Accounting Practices and Procedures Manual presents a comprehensive basis of accounting that should be followed if not in conflict with state statutes and/or regulations. The goal with this publication is to help market regulators conduct uniform, standardized market analysis and market conduct examinations. Professional development for state insurance regulators and industry professionals. Annuity contracts are therefore included within the term life insurance contracts unless specifically indicated otherwise in this Valuation Manual. Reports on homeowners dwelling, fire and tenant insurance. Form 5 requires information at the state level. The handbook attempts to explain the various approaches that the states have taken in dealing with these issues. Statistics derived from state page data in the annual statement and the Insurance Expense Exhibit can be used to compare profitability among different states and property/casualty lines. Designed as a premier research tool, the Proceedings of the NAIC is the official, permanent record of all NAIC action, including model laws and regulations, as well as committee and task force minutes and reports. 2023|2022|2021(Current Data Year)|2020|2019|Contacts and Scorecards. Participation in the Database provides essential data for the Insurance Regulatory Information System (IRIS) Financial Ratio Reports, risk-based capital analysis, and other solvency-related reviews of individual companies, including reporting compliance and financial analysis. Companies that file with the NAIC via the Internet are not required to submit diskettes to the NAIC. Published semiannually. Electronic filing is intended to include filing via the Internet or filing via diskette with the NAIC. Updated annually. The Risk Retention and Purchasing Group Handbook explores the provisions and requirements of the Liability Risk Retention Act of 1986 (LRRA) and the NAIC Model Risk Retention Act. One State Street You still MUST file an MCAS regarding your hybrid-LTC business regardless of whether you have a RTF indicator on your filing matrix. National Insurance Producer Registry. For more information, please refer to Regulation 215 (11 NYCRR 90). Updated annually. If the domestic or foreign nonlife insurance company files Form 1120-PC electronically, do not attach the annual statement or pro forma annual statement to the electronically filed return. Requirements in the Valuation Manual are applicable to life insurance, accident and health insurance, and deposit-type contracts. Uniform Certificate of Authority Application (UCAA) Instructions. DEC 2020. (816) 783-8600or[emailprotected], For questions about filing fees or accounts receivable: ClickHEREto access the following resources maintained by the Blanks (E) Working Group: Additional NAIC Accounting and Reporting Resources: File Annual & Quarterly financial statements online PAGE 41: NOTES TO FINANCIAL STATEMENTS. Updated annually. Each insurance company in the United States has an NAIC numb er. Companies may use the checklist to submit to a state, if the state requests it. All companies are strongly encouraged to file national form filings (as identified in items 61, 62, 63, 64, 65, 66, 67, 68, 69, 70, and 71 in the checklist) with the NAIC via the Internet. Company and Fraternal Benefit Society Filings Portal. Complete with a listing of state laws governing the industry, theguideis a best bet for those looking to make informed decisions aboutautoinsurance and get the most for their money. Internet Filing will be available starting February 6, 2023 for submission of the 2022 Annual Financial Statement Filings and conclude on January 31, 2024. Accident and Health Policy Experience Report 2021, Accounting Practices and Procedures Manual. Note: For Amended New York Supplement filings, the entire electronic filing is required. We're here to help. WebThe NAIC provides expertise, data, and analysis for insurance commissioners to effectively regulate the insurance industry and protect consumers. 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