insurance - AIPMO

NAIC AI Bulletin Adoption: Q2 2026 State-by-State Status

Twenty-nine jurisdictions now regulate insurer AI use. Here's where every state stands as of Q2 2026, what the NAIC's January-September Evaluation Tool pilot means for market conduct exams, and where multi-state carriers should focus.

By AIPMO

/ 6 May 2026 · 10 min read

AI in Insurance Underwriting: Governance for Pricing and Risk Classification

External consumer data creates proxy discrimination even when protected characteristics are excluded from the model. ZIP codes encode segregation. Credit scores encode wealth gaps. The FCA found UK insurers using datasets correlating with race. Testing is required.

By AIPMO

/ 6 Apr 2026 · 10 min read

GenAI in Insurance: Governance for the Next Generation

Traditional insurance AI governance doesn't transfer to large language models. GenAI outputs are probabilistic, not deterministic. Inputs can't be audited like gradient-boosted features. EIOPA identified three specific governance gaps. Here's how to close them.

By AIPMO

/ 6 Apr 2026 · 11 min read

AI in Insurance Claims: Governance for Automation and Denial

Lokken v. UnitedHealth granted full discovery into insurer AI use. California SB 1120 banned solely algorithmic coverage denial. Courts are treating AI denial without genuine human review as bad faith. The governance implications apply to every line of business.

By AIPMO

/ 6 Apr 2026 · 11 min read

Algorithmic Bias in Insurance AI: The Discrimination Problem

A 2025 NAIC survey found one in three health insurers still don't regularly test their AI for bias. The EU AI Act makes bias testing a legal requirement. Colorado makes discriminatory outcomes a prohibitable offense regardless of intent. Time is short.

By AIPMO

/ 6 Apr 2026 · 10 min read

AI Governance in Insurance: What Project Managers Need to Know

The NAIC Model Bulletin is now law in ~25 states. EU AI Act Annex III designates life and health pricing AI as high-risk with an August 2026 deadline. Lokken opened AI governance to litigation discovery. The window for proactive compliance is now.

By AIPMO

/ 6 Apr 2026 · 13 min read