Also known as NAIC
The National Association of Insurance Commissioners supports state insurance regulators with standards, data, analysis, education and coordination of multistate insurance oversight.
NAIC is the organization of state insurance regulators, not a federal insurance regulator or an insurer. Model laws and regulations require the relevant jurisdictional adoption or implementation.
National Association of Insurance Commissioners official website ↗
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A property-and-casualty insurer’s combined ratio measures underwriting, while reserve revisions and investment results explain why reported profit can tell a different story.
Reinsurance changes which institution bears covered losses. Attachments, limits, exclusions, reinstatements and counterparty performance determine how much risk actually leaves the original insurer.
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