Comply · United States
NAIC AI Model Bulletin (insurance)
US insurance-regulator expectations for AI governance.
The NAIC Model Bulletin on the Use of AI Systems by Insurers, adopted by many US states, expects insurers to maintain an AI governance and risk-management program covering fairness, testing for unfair discrimination, documentation, and oversight of third-party AI and data vendors.
Who it applies to
Insurers and related entities operating in states that have adopted the bulletin.
Key obligations
- Maintain a written AI governance program
- Manage risk across the AI lifecycle
- Test for unfair discrimination and proxy bias
- Oversee third-party AI systems and data
- Keep documentation available for regulators
How Maetra maps agents to NAIC AI
Maetra centralizes the AI inventory, control evidence, and audit trail an insurer needs to demonstrate its AI governance program — including oversight of vendor and third-party models.
In practice, Maetra:
- Scans and fingerprints each agent. Discover reads the agent’s code — its tools, data access and sensitivity, actions, model, and environment — into an evidence-backed profile tied to the exact file and commit.
- Decides what applies. That profile determines whether NAIC AI is in scope for the agent and which of its requirements apply.
- Auto-detects controls and surfaces gaps. Controls your code already satisfies are detected automatically from the scan; the rest become a clear list of gaps, each tied to the requirement and the evidence it still needs.
- Proves it and keeps it current. Close gaps with linked evidence or generated documents — reused across every framework the same control supports — and Maetra re-checks on each rescan and flags evidence that has gone stale.
Related frameworks
Prove NAIC AI compliance with Maetra
Classify your AI agents once and Maetra maps them to NAIC AI and every other framework it supports — generating the evidence and documentation, tracking gaps and deadlines, and sealing every decision in an immutable audit trail.