Insurance AI governance, tracked every week: the free dispatch for compliance officers, CROs, and GCs.

Plain-language definitions of the NAIC and insurance AI governance terms we use across the site.

Accelerated Underwriting

A life insurance underwriting process that uses data and algorithms to approve applicants without traditional medical exams or fluid tests.

Algorithmic Discrimination

Unfairly different treatment of individuals or groups by an automated decision system, often through proxy variables or biased training data.

Colorado SB 26-189

A 2026 Colorado law that replaced SB 24-205 with a narrower disclosure-and-recourse framework for automated decision-making in insurance.

Executive Order 14365

A December 2025 Trump administration order directing federal agencies to challenge state AI laws that conflict with a minimally burdensome national framework.

Generative AI

AI that creates new content such as text, images, or code. In insurance it aids drafting, summarization, and service, but raises accuracy and privacy concerns.

McCarran-Ferguson Act

A 1945 federal law leaving insurance regulation to the states unless a federal statute specifically relates to insurance, limiting federal preemption.

NYDFS

The New York State Department of Financial Services, the regulator behind Insurance Circular Letter No. 7 and a leading state voice on AI underwriting rules.

Rating Variable

A factor used in pricing or underwriting to predict risk, such as age, location, or driving history. Regulators scrutinize these for proxy discrimination.