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National · NAIC Big Data and Artificial Intelligence (H) Working Group

NAIC AI Systems Evaluation Tool (2026 Pilot)

NAIC tool / pilot

This is the moment guidance becomes examination. The NAIC AI Systems Evaluation Tool gives regulators a structured way to gather, in a market-conduct or financial-exam context, how extensively an insurer uses AI, its governance and risk-mitigation practices, detail on high-risk AI models, and the data feeding those systems. A 12-state pilot runs March to September 2026, with adoption targeted at the NAIC Fall National Meeting in 2026. It puts a live calendar date on AI-governance exam risk.

What it covers

The NAIC AI Systems Evaluation Tool is being developed by the Big Data and Artificial Intelligence (H) Working Group as a guide for state regulators to use in market-conduct, financial-analysis, or financial-exam contexts. It gathers information about the extent and use of AI by an insurer, the insurer's governance and risk-mitigation practices, detail on potentially high-risk AI models, and the data used as inputs into AI systems.

A pilot with 12 participating states runs from March 2026 to September 2026, covering property/casualty, life, and health insurers and focusing on domestic insurers, applying proportionality so that high-risk AI systems receive more scrutiny. Based on the pilot, the Tool is anticipated to be adopted at the 2026 Fall National Meeting. The pilot turns principle-based AI guidance into a concrete examination instrument with a defined timeline.

Primary sourceRead the official document

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