AI in insurance, checked dailyWednesday 28 October 2026
News and findings on AI in insurance. Every item with its source, its evidence and what it means for a book of business.For agencies, MGAs and carriers
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Source documents and working tools.

Contains
Primary sources read in full, plus checklists in a usable form
Access
Open. Nothing here sits behind a signup form.
Reviewed
16 September 2026

Schedule of forms

Documents we have read in full and cite by section, each linked to the issuer's own copy. The last column of the first table is the one that matters to an agency and the one most coverage leaves out.

Regulatory instruments — Finding 001
FormIssuerEditionReaches producers
Bulletin B-0003-26Texas Department of Insurance12 Jun 2026Yes, expressly
Bulletin 2022-5California Department of Insurance30 Jun 2022Yes, via "licensees"
Company Bulletin 2024-08Illinois Department of Insurance13 Mar 2024Unclear
Circular Letter No. 7NY Dept of Financial Services11 Jul 2024No, insurers only
AI BulletinWisconsin OCI18 Mar 2025No, insurers only
Reg. 10-1-1, amendedColorado Division of Insurance20 Aug 2025No, insurers only
AI 600-1NISTJul 2024Voluntary framework
ASOP No. 56Actuarial Standards BoardOct 2020Actuarial work
Policy forms — Finding 002
FormIssuerEditionRead in full
PC 51380 00, AI Exclusion (Absolute)Berkley Insurance Company06-24Yes, specimen
CG 40 47, CG 40 48, CG 35 08ISO / VeriskJan 2026No. Big "I" summary only
Court orders — Finding 003
MatterCourt and documentDatedStatus when read
Estate of Lokken v. UnitedHealth GroupD. Minn. No. 23-cv-3514, Doc. 9113 Feb 2025Allegations; motion to dismiss granted in part
Kisting-Leung v. CignaE.D. Cal. No. 2:23-cv-01477, Doc. 5530 Mar 2025Allegations; tested at motion stage

AI instruments by jurisdiction

Every state insurance department, swept for an AI bulletin, circular letter, regulation or guidance. Six were read in full for Finding 001 and are marked. The rest were retrieved and not yet read: the instrument name, date and verb are as the department's own page states them, and nothing here is cited as a finding until it has been read.

AI instruments by jurisdiction — retrieved 2026-10-01; read in full only where marked
JurisdictionInstrumentTypeDatedReaches producersVerb usedStatus
AlabamaNone foundUnclear—
AlaskaBulletin B24-01bulletinNoexpectsRetrieved
ArizonaNone foundUnclear—
ArkansasNone foundUnclear—
CaliforniaNone foundUnclearRead in full
ColoradoNone foundUnclearRead in full
ConnecticutNone foundUnclear—
DelawareNone foundUnclear—
District of ColumbiaNone foundUnclear—
FloridaNone foundUnclear—
GeorgiaNone foundUnclear—
HawaiiNone foundUnclear—
IdahoNone foundUnclear—
IllinoisNone foundUnclearRead in full
IndianaNone foundUnclear—
IowaCommissioners Bulletin 24-04bulletin2024-11-07NoexpectsRetrieved
KansasNone foundUnclear—
KentuckyNone foundUnclear—
LouisianaNone foundUnclear—
MaineNone foundUnclear—
MarylandBulletin 24-11bulletin2024-04-22NoshouldRetrieved
MassachusettsBulletin 2024-10bulletin2024-12-09NoexpectsRetrieved
MichiganBulletin 2024-20-INSbulletin2024-08-07NoexpectsRetrieved
MinnesotaNone foundUnclear—
MississippiNone foundUnclear—
MissouriNone foundUnclear—
MontanaNone foundUnclear—
NebraskaNone foundUnclear—
NevadaNone foundUnclear—
New HampshireNone foundUnclear—
New JerseyBulletin 25-03bulletinNoexpectsRetrieved
New MexicoNone foundUnclear—
New YorkInsurance Circular Letter No. 7 (2024)circular letter2024-07-11NoexpectsRead in full
North CarolinaNone foundUnclear—
North DakotaNone foundUnclear—
OhioNone foundUnclear—
OklahomaNone foundUnclear—
OregonNone foundUnclear—
PennsylvaniaNone foundUnclear—
Rhode IslandNone foundUnclear—
South CarolinaNone foundUnclear—
South DakotaNone foundUnclear—
TennesseeNone foundUnclear—
TexasNone foundUnclearRead in full
UtahNone foundUnclear—
VermontNone foundUnclear—
VirginiaNone foundUnclear—
WashingtonNone foundUnclear—
West VirginiaNone foundUnclear—
WisconsinNone foundUnclearRead in full
WyomingNone foundUnclear—

Tier: retrieved, not read in full, except the six marked. "Reaches producers" is "Yes" only where agents, producers, licensees or representatives are expressly addressed. Re-swept monthly; a row that changes gets a corrections entry if it was ever cited.

All links retrieved 16 September 2026; the ISO forms link to the Big "I" summary because the form text is not public. Six states reviewed. Other obligations may arise under privacy and security law, carrier appointments, or delegated authority agreements. Absence from this schedule is not a finding that nothing applies.

Working tools

Pre-send verification checklist

Eight tests to run on an AI-assisted proposal before it leaves the agency. Every threshold is ours, labeled as ours, and is not a regulatory requirement.

  1. Source-document reconciliation.Every premium, limit, deductible and named insured in the output traced to a page in the carrier quote packet. Any untraceable dollar figure: stop.
  2. Coverage and exclusion comparison.Statements checked against actual policy and endorsement wording, with form number and edition recorded. Wording unavailable: request it and label the point unverified. Silence is not coverage.
  3. Version comparison.Renewal proposal diffed against the expiring program; every changed limit, deductible or exclusion flagged. An unflagged change: stop.
  4. Missing-data check.Required fields absent from the packet are listed as "not provided." Any inferred value presented as quoted: stop.
  5. Repeatability.Same packet run again, compared field by field. A material numeric difference: escalate. A repeat run detects instability, not correctness.
  6. Silent-omission check.The reverse direction: walk the packet and confirm each coverage part appears in the proposal or is deliberately excluded. This is the failure the first test cannot catch.
  7. Citation check.Every quoted policy language, statute or carrier statement verified against the document. Unverifiable: remove the assertion or stop.
  8. Named sign-off and log.A licensed producer signs; tool, model version, template, reviewer, timestamp and defects are logged. Without a named reviewer the proposal does not go out.

Structure adapted from ASOP 56 §3.6 (reconciliation, repeatability, alternative-model comparison) and NIST AI 600-1 actions MP-2.3-001, MS-2.5-003, MG-2.2-001, GV-1.3-002 and MG-4.3-002. If you want a number that means anything: defects per 100 proposals, per 1,000 traced fields, share of proposals with at least one stop, each with its numerator, denominator, period and compiler.

Agency AI policy clause outline

Eight clauses, each with its published basis and its tier. An editorial outline, not a ready-to-sign policy; your counsel and E&O adviser set scope, retention and responsibilities.

Clause, basis and tier
ClausePublished basisTier
Approved tools and use casesDefense counsel, Independent Agent magazine, 9 Sep 2026Recommendation
Data permitted and prohibitedSame, alongside any separately applicable privacy and security dutiesRecommendation
Licensed review before adviceSame; Texas B-0003-26 separately expects review of consequential decisionsRecommendation; regulator expectation in TX
Authority boundariesSame — no independent binding, no modifying limits, no coverage advice without human reviewRecommendation
Source verificationSame — proposals, summaries and comparisons checked against forms and source documentsRecommendation
Testing before and after adoptionNIST AI 600-1 pp. 24, 31, 45 — ground-truth comparison, source verification, ongoing monitoringVoluntary method, adapted here
Errors and incident escalationNIST MG-4.3-002 — track errors, near-misses and negative impactsVoluntary guidance
Documentation and reviewDefense counsel — retain request, output, verification, communicationsRecommendation; no universal retention term stated

Editable versions of these tools, and three more, are in the working resources: blank worksheets you can fill in, not forms that submit anything.

Questions that end a demo early

What does the accuracy figure count, and what is the denominator? Are human corrections included in it? Who is live on this, and for how long? What broke?

A real deployment has a broken story. A pilot doesn't.