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⃆A ȏ4 '?&yI첻 "18 ڡjiaXƖV `+t ~}oa$L@̹yw9wijOh㱗6ߐOzbݎo֮zc$1;qmFSQczEbg /]ɔ:R=#7w ;%tOݡpn25'SKe θncɶvxtyK}A9G- |) ju*3W }>XȋbMr)Ρ$ KžcLčJ{h!O@7s&QԢEz<:2x;D3nH}p,"{ӟrqs84jRTnsuu8&sLBlз"H]b+neuc7V"qc`#M3d,:ecgʜi7RtcW794`MTcc&kw7mǜ)Kz}i=>#.?u,-lѪkN7(IcvuJ{ų8;5Џyz1dL]F>)slN v4-a;Qx}s[FSbv ~&FI?s)56j;#f`,JX$Ar[.>GqhçDY>[`#l|i'c8CGwDJކS4P\{~IZ}QǞԭg1{p~9>Fæxv)g Tq6>Sw;#7va jS6rqKa^%)+b[ܣXqSms;}3b!fgcϹq)r!] g1z=+b IϢB*#ث\{5jg.*{}Q'Ab "qywMQ {ۂ)&9Bx&b1y}gK tn Y 0q>VGw^1^zv l;kgU;KN^<~q^i;NBz̖s#}H=^yN~\񚤟=B_:/`>90T-=}4,r P 3A;V^p;TAi"ƻK!|T/Hqȣ%bKh9x rXc!k^J`++Cld0 S`;֫yJz:v Y\p` {d{?Eֿznz۟)(qd^K7:xrqˠ\S\yDQOr%|ǐ'^Qi2J1#Bn䯴>c圸1Ϗh-+׻~4婥1!rr֪c翴9ku997&0OtB@{p^B Ryގi_ȳ҉Mhz0Z/'Q1הuϰw9F݆ K |g^»dQ/x<^jt1ח>Va|O/k>EĀ]XO :a<`xRBmrOAOȐZ^ClT 7Tf(z b1qS]v{.OeNNBc7, y*OV]rlۘpqlp!$,H8ܱ4Ջԩ+1<f*i48t$,ؽr$6j`2*~wW tG~R!ru/">ޑ;㬓]n @qWx)ߺ>|rɷoإ UVUZU B1o1}f8XlV4B?16Vֆ@̐Ug5*BϏ}PSӽ"2PA55xloE][ Gw#sɬނ!6=!+v Vc&Rk,&kXU%UY XH54ZuM[A$ᯔRJ$رNO!@itdIёpכp }Nn^S+R\ԊV{= NWM;PC}DѮ+fhO-0+e`AىnHDt'0{F6YN1$b옱7# $f@q48-7hZl$G$fش (;" l `bܜkcotvgBM`d='7rغI9nC<38cQ5ɶ7EL6y>ݶ(Vݫݪ]ߑMZ1щ喙Q<'pᜎYI.qA"R)4 GH7E<>1E %KmI~3i3\u|R9%6R ꫢHBވF[de.jGG=he ڸnk!-sΣTG2 =Jo)?Z&$ 6C6fyR̉2^-Ў#:U 16{lfl'2ZP9/-6V膸/jP*W-<¯LM»SeYhUEB=VODhj[-S:e,#K3pFW >!T`!BhzZ ^a!<8-X+ ?fBeKgBsZTnMps:t&{0?Bur Sz5 \Upeƒ*7 |=.X ?Ax f?i55zjdt ёk\E&Z0?91~"N][?yyxn}L 2^rYXxXʑ`}G^>Zr~r~qq!UՇPz18&  K ,mZ^x=]}Ŷ j_X~][ 5\\Y7}T(D|1 KM>stream 2025-12-05T00:02:00-06:00 2025-12-05T00:01:55-06:00 2025-12-05T00:02:00-06:00 Acrobat PDFMaker 25 for Word uuid:9b26f63b-649f-4349-ac77-7c5025843920 uuid:9ca5ddfa-5728-4542-9120-95e6618b22cb 1 application/pdf Adobe PDF Library 25.1.201 D:20251205060134 endstream endobj 88 0 obj [ 89 0 R ] endobj 89 0 obj <>/C[ 1 1 0]/CA .30000299/Contents(Recommendation: There is a lack of clarity around when a determination for further information is warranted., A regulator handbook structure/instruction would be beneficial to outline how information obtained through this tool should be used/assessed. This guidance to regulators could eliminate variation across states in terms of decisions/assessment of risk are made and any further actions taken.)/F 4/Open false/PDFIUM_HasGeneratedAP true/Rect[ 473 773 493 793]/Subtype/Text/T(Author)/Type/Annot>> endobj 90 0 obj [ 91 0 R ] endobj 91 0 obj <>/C[ 1 1 0]/CA .30000299/Contents(Recommendation: This no longer aligns with Exhibits A and B and should be changed.)/F 4/Open false/PDFIUM_HasGeneratedAP true/Rect[ 69.300003 773 89.300003 793]/Subtype/Text/T(Author)/Type/Annot>> endobj 92 0 obj <> endobj 93 0 obj [ 1796 0 R 94 0 R 95 0 R 96 0 R ] endobj 94 0 obj <>/C[ 1 1 0]/CA .30000299/Contents(Consideration: Whether to clarify this term in a way that ensures more consistency among the states.)/F 4/Open false/PDFIUM_HasGeneratedAP true/Rect[ 365 593 385 613]/Subtype/Text/T(Author)/Type/Annot>> endobj 95 0 obj <>/C[ 1 1 0]/CA .30000299/Contents(Recommendation: Revise to Number of AI System Model\(s\) with Material Consumer Impact  to ensure alignment with a risk-based reporting framework and consistency with the corresponding financial impact column.\r\rRationale: As drafted, the reference to consumer impact  is overly broad and could capture virtually any AI-enabled functionality, including routine or low-risk automation that has no meaningful effect on consumers. This level of granularity would significantly expand the reporting universe, potentially to the point of including systems analogous to basic computer-assisted processes, resulting in unwieldy inventories that obscure areas of genuine regulatory concern. Adding the term material  narrows the focus to consumer impacts that are significant enough to warrant regulatory attention, better aligns with NAIC s risk-based intentions and maintains alignment with the existing category for Material Financial Impact. )/F 4/Open false/PDFIUM_HasGeneratedAP true/Rect[ 253.89999 593 273.89999 613]/Subtype/Text/T(Author)/Type/Annot>> endobj 96 0 obj <>/C[ 1 1 0]/CA .30000299/Contents(Support this change.\r\rRationale: \rFuture implementation plans are inherently fluid and subject to change based on business priorities, market conditions, vendor readiness, or evolving regulation. Collecting speculative forward-looking information is unlikely to provide regulators with reliable or actionable insight into actual risk exposure and may create reporting inconsistencies across states.)/F 4/Open false/PDFIUM_HasGeneratedAP true/Rect[ 617.34998 593 637.34998 613]/Subtype/Text/T(Author)/Type/Annot>> endobj 97 0 obj [ 98 0 R 99 0 R 100 0 R 101 0 R 102 0 R ] endobj 98 0 obj <>/C[ 1 1 0]/CA .30000299/Contents(Recommendation: Clarify how to count AI systems across program areas and add disclosure language acknowledging overlap.\r\rRationale: \rThe current table structure requires companies to report data points by Use of AI System in Operations or Program Area.  In practice, not all AI systems align neatly with a single category. Many models are multi-purpose or embedded in enterprise-wide functions \(e.g., fraud detection tools that span underwriting and claims\). Without additional clarification, companies may face uncertainty in categorization and regulators may misinterpret the results, particularly where double counting occurs because a single AI system spans multiple program areas. To address this, we recommend NAIC include explicit disclosure language stating that: AI systems may be listed under more than one program area if they are used across functions; and totals across program areas should not be assumed to represent unique AI systems but rather functional instances of use. This clarification will help ensure regulators interpret the data consistently, avoid misleading aggregation, and better understand the scope and distribution of AI usage within an organization.)/F 4/Open false/PDFIUM_HasGeneratedAP true/Rect[ 25.65 593 45.650002 613]/Subtype/Text/T(Author)/Type/Annot>> endobj 99 0 obj <>/C[ 1 1 0]/CA .30000299/Contents(Recommendation: Narrow the AI System Use Case\(s\)  reporting requirement to include only those use cases with either consumer impact or material financial impact.\r\rRationale: \rThe current definition of use case  is broad and encompass virtually all forms of AI-enabled automation within an insurer s operations, from routine administrative functions to core decision-making processes. Requiring disclosure of every possible use case risks diluting focus, producing unmanageable inventories and diverting both company and regulator attention away from the use cases that matter most. By narrowing reporting to consumer-impacting or financially material use cases, Exhibit A will generate more actionable, decision-useful information that aligns with the stated purpose of facilitating risk assessment.)/F 4/Open false/PDFIUM_HasGeneratedAP true/Rect[ 670.20001 593 690.20001 613]/Subtype/Text/T(Author)/Type/Annot>> endobj 100 0 obj <>/C[ 1 1 0]/CA .30000299/Contents(Recommendation:\rRevise the Customer Service  to Customer-Facing AI Tools  to more accurately reflect the types of AI systems that warrant regulatory reporting under a risk-based framework.\r\rRationale:\rAs currently drafted, the broad Customer Service  label risks sweeping in a wide range of low-risk, routine, or purely informational tools \(e.g., simple chatbots that retrieve pre-approved FAQs\) that pose minimal or no consumer impact. Without clear scoping, Exhibit A may unintentionally require insurers to report internal, non-decisioning tools that function more like basic website utilities than AI systems with regulatory relevance.)/F 4/Open false/PDFIUM_HasGeneratedAP true/Rect[ 19.15 593 39.150002 613]/Subtype/Text/T(Author)/Type/Annot>> endobj 101 0 obj <>/C[ 1 1 0]/CA .30000299/Contents(Support this change.\r\rRationale: An other  category helps capture AIS models that can not be clearly classified in the table.)/F 4/Open false/PDFIUM_HasGeneratedAP true/Rect[ 19.15 593 39.150002 613]/Subtype/Text/T(Author)/Type/Annot>> endobj 102 0 obj <>/C[ 1 1 0]/CA .30000299/Contents(Recommendation: Remove or refine definitions to better clarify scope.\rRationale: We believe legal compliance , producer services  and reserves/valuations  to be overly broad and not specifically tied to potential adverse consumer outcomes or material adverse financial impact. )/F 4/Open false/PDFIUM_HasGeneratedAP true/Rect[ 19.15 593 39.150002 613]/Subtype/Text/T(Author)/Type/Annot>> endobj 103 0 obj [ 104 0 R ] endobj 104 0 obj <>/C[ 1 1 0]/CA .30000299/Contents(Support this change.\r\rRationale: \rThe proposed consumer complaints section of Exhibit A is not practicable or decision-useful in its current form. In many cases, complaint tracking systems are organized by issue type \(e.g., denial, access, benefits\) rather than by the underlying technology involved. Requiring companies to determine whether a process relied on AI  would necessitate new infrastructure, complaint triage processes and metadata capture across all intake channels. This would impose significant administrative burden while generating information of questionable accuracy, given the broad and ambiguous scope of relied on AI system,  which could include minor consumer interactions \(e.g., chatbots\) rather than substantive decision-making. Additionally, health insurers are already subject to extensive consumer protection rules that provide formal complaint, grievance, review and appeal pathways regardless of whether AI or traditional systems were involved. )/F 4/Open false/PDFIUM_HasGeneratedAP true/Rect[ 19.15 593 39.150002 613]/Subtype/Text/T(Author)/Type/Annot>> endobj 105 0 obj <> endobj 106 0 obj [ 1794 0 R 107 0 R ] endobj 107 0 obj <>/C[ 1 1 0]/CA .30000299/Contents(Recommendation: Remove the suggested question, How does the insurance company assess autonomy, reversibility, and reporting impact risk of AI systems?  from the Governance Framework section of Exhibit B.\r\rRationale: This question introduces concepts that are not reflected elsewhere in the AIS Tool and would expand Exhibit B beyond its intended purpose of capturing established governance practices. autonomy,  reversibility  and reporting impact risk  are not standard elements, making the question difficult to answer consistently or meaningfully across insurers. Removing the question keeps Exhibit B focused on well-defined governance expectations and avoids capturing data that would create more confusion than actionable information.)/F 4/Open false/PDFIUM_HasGeneratedAP true/Rect[ 95 593 115 613]/Subtype/Text/T(Author)/Type/Annot>> endobj 108 0 obj [ 109 0 R 110 0 R ] endobj 109 0 obj <>/C[ 1 1 0]/CA .30000299/Contents(Recommendation: Revise Question 2 to focus only on AI systems that have either a direct consumer impact or material financial impact.\r\rRationale: \rAs drafted, Question 2 appears to require companies to catalog every single instance where AI generates a financial transaction, consumer impact, financial statement entry, or control assessment. If taken literally, this would be highly burdensome to compile and challenging to maintain accuracy, given the growing number of AI applications across insurance operations. Limiting the request to use cases with consumer impact or material financial impact would align with the risk-based focus of Exhibit A and avoid diluting regulator attention with immaterial details.)/F 4/Open false/PDFIUM_HasGeneratedAP true/Rect[ 59 593 79 613]/Subtype/Text/T(Author)/Type/Annot>> endobj 110 0 obj <>/C[ 1 1 0]/CA .30000299/Contents(Recommendation: Clarify that testing and transparency requirements for third-party AI systems can be satisfied by either the vendor or the insurer.\r\rRationale: \rMany AI systems are supplied by third-party vendors who retain proprietary rights over their models. Insurers may not have access to the technical detail necessary to independently test every element. It should be acceptable for companies to rely on vendor testing and assurance reports, rather than duplicating work that cannot reasonably be performed by the insurer)/F 4/Open false/PDFIUM_HasGeneratedAP true/Rect[ 496.70001 593 516.70001 613]/Subtype/Text/T(Author)/Type/Annot>> endobj 111 0 obj <> endobj 112 0 obj <> endobj 113 0 obj <> endobj 114 0 obj [ 113 0 R ] endobj 115 0 obj [ 1792 0 R ] endobj 116 0 obj [ 117 0 R 118 0 R ] endobj 117 0 obj <>/C[ 1 1 0]/CA .30000299/Contents(Support this change.\r\rRationale: \rWithout a clear definition of ethical,  insurers face ambiguity in designing and documenting governance processes. Ethical considerations can vary significantly across cultural, operational and legal contexts, and without common standards, regulated entities may either under- or over-engineer compliance processes. Removing this question would avoid the inherent ambiguity of this question. Alternatively, NAIC must provide guidance to establish baseline expectations, reduce subjectivity and support insurers and regulators in expectation-setting and evaluation of AI practices. )/F 4/Open false/PDFIUM_HasGeneratedAP true/Rect[ 50.549999 593 70.550003 613]/Subtype/Text/T(Author)/Type/Annot>> endobj 118 0 obj <>/C[ 1 1 0]/CA .30000299/Contents(Recommendation: Revise to read: Ensures AI systems are compliant with applicable state and federal laws and regulations. \r\rRationale: Adding the word applicable  provides necessary clarity and prevents misinterpretation that insurers must demonstrate compliance with every state or federal requirement, regardless of whether it relates to a given AI system or line of business. As written, the provision could be read to imply a universal compliance obligation that is neither practical nor aligned with risk-based regulatory expectations. )/F 4/Open false/PDFIUM_HasGeneratedAP true/Rect[ 251.60001 593 271.60001 613]/Subtype/Text/T(Author)/Type/Annot>> endobj 119 0 obj [ 1790 0 R 120 0 R ] endobj 120 0 obj <>/C[ 1 1 0]/CA .30000299/Contents(Recommendation:\rAmended to align with the language in Exhibit A of material financial impact .)/F 4/Open false/PDFIUM_HasGeneratedAP true/Rect[ 81.550003 593 101.550003 613]/Subtype/Text/T(Author)/Type/Annot>> endobj 121 0 obj [ 122 0 R 123 0 R ] endobj 122 0 obj <>/C[ 1 1 0]/CA .30000299/Contents(Recommendation: Revise to read: Discuss how the model is reviewed for compliance with applicable state and federal laws, the unfair trade practices act, and unfair claims settlement laws. \r\rRationale: Expanding the phrasing to applicable state and federal laws  ensures Exhibit C captures a complete and accurate compliance review without imposing an expectation that companies address laws unrelated to the model s function. This revision better aligns the exhibit with a comprehensive, risk-based compliance process.)/F 4/Open false/PDFIUM_HasGeneratedAP true/Rect[ 28.700001 593 48.700001 613]/Subtype/Text/T(Author)/Type/Annot>> endobj 123 0 obj <>/C[ 1 1 0]/CA .30000299/Contents(Recommendation: Revise the instruction to incorporate the in-text edits.\r\rRationale: The current language requires disclosure of an extremely broad range of actions, some of which may be confidential, privileged, or restricted from disclosure under state or federal law. Without acknowledging these legal constraints, the exhibit could inadvertently place companies in a position of having to choose between complying with Exhibit C and complying with statutory confidentiality requirements.)/F 4/Open false/PDFIUM_HasGeneratedAP true/Rect[ 28.700001 593 48.700001 613]/Subtype/Text/T(Author)/Type/Annot>> endobj 124 0 obj [ 1788 0 R 125 0 R 126 0 R 127 0 R ] endobj 125 0 obj <>/C[ 1 1 0]/CA .30000299/Contents(Recommendation:\rChange to material financial impact  to align with Exhibit A.)/F 4/Open false/PDFIUM_HasGeneratedAP true/Rect[ 57.849998 593 77.849998 613]/Subtype/Text/T(Author)/Type/Annot>> endobj 126 0 obj <>/C[ 1 1 0]/CA .30000299/Contents(Recommendation: Revise to state Describe the Line of Business for Which This Response Applies \r\rRationale: To align with the edits made to this question in the other Exhibits. This also better allows regulators to customize the tool as needed for targeted inquiries.)/F 4/Open false/PDFIUM_HasGeneratedAP true/Rect[ 19.15 593 39.150002 613]/Subtype/Text/T(Author)/Type/Annot>> endobj 127 0 obj <>/C[ 1 1 0]/CA .30000299/Contents(Recommendation: Make disclosure of specific third-party data sources and vendor names optional rather than required.\r\rRationale:\rRequiring companies to disclose the identity of third-party data sources and vendor names may create conflicts with existing confidentiality agreements and nondisclosure obligations. Many vendor contracts explicitly restrict disclosure of their identity or solutions in regulatory filings outside of privileged examination contexts. Making vendor identification a mandatory field could therefore place insurers at risk of breaching contractual obligations.)/F 4/Open false/PDFIUM_HasGeneratedAP true/Rect[ 649.90002 593 669.90002 613]/Subtype/Text/T(Author)/Type/Annot>> endobj 128 0 obj [ 129 0 R ] endobj 129 0 obj <>/C[ 1 1 0]/CA .30000299/Contents(IA suggested edit.)/F 4/Open false/PDFIUM_HasGeneratedAP true/Rect[ 37.150002 593 57.150002 613]/Subtype/Text/T(Author)/Type/Annot>> endobj 130 0 obj [ 1786 0 R ] endobj 131 0 obj <> endobj 132 0 obj <> endobj 133 0 obj <> endobj 134 0 obj <> endobj 135 0 obj [ 133 0 R ] endobj 136 0 obj <> endobj 137 0 obj <> endobj 138 0 obj <> endobj 139 0 obj <> endobj 140 0 obj <> endobj 141 0 obj <> endobj 142 0 obj <> endobj 143 0 obj <> endobj 144 0 obj <> endobj 145 0 obj <> endobj 146 0 obj <> endobj 147 0 obj <> endobj 148 0 obj <> endobj 149 0 obj <> endobj 150 0 obj <> endobj 151 0 obj <> endobj 152 0 obj <> endobj 153 0 obj <> endobj 154 0 obj [ 183 0 R 184 0 R 185 0 R 186 0 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S~X`aIBɽ)Pz+M/88ה^WDݴ˵{bR_m^q߻8-9 jYjǕxmK]mqB%SRpC_֑aѾ?\w/ 0@_q<jbcqd([BQĉJ}%q&2^ L ;p5d|/P>B%;9о<^R\P>\s xZ dJI/ H)Z8'5 K?JU^{1cMop41C9ñ|@ۓ`{sJ&݇V=nSΡ$N{c=GA<8392B747B06CD365CEFA0B67C3EB589E>]>> startxref 557200 %%EOF 84 0 obj <>stream 2025-12-05T16:39:28-06:00 2025-12-05T00:01:55-06:00 2025-12-05T16:39:28-06:00 Acrobat PDFMaker 25 for Word uuid:9b26f63b-649f-4349-ac77-7c5025843920 uuid:2e7ac15a-59da-4bdd-a824-18f7959cb820 1 application/pdf Adobe PDF Library 25.1.201 D:20251205060134 endstream endobj 88 0 obj [89 0 R 2001 0 R] endobj 89 0 obj <>/C[1 1 0]/CA 0.30000299/Contents(Recommendation: There is a lack of clarity around when a determination for further information is warranted., A regulator han\ dbook structure/instruction would be beneficial to outline how information obtained through this tool should be used/assessed. \ This guidance to regulators could eliminate variation across states in terms of decisions/assessment of risk are made and any f\ urther actions taken.)/F 28/NM(e224cc9f-f6f4-4ccb-a102-2cc96f875991)/P 1 0 R/PDFIUM_HasGeneratedAP true/Popup 2001 0 R/Rect[473 773 493 793]/Subtype/Text/T(Author)/Type/Annot>> endobj 90 0 obj [91 0 R 2000 0 R] endobj 91 0 obj <>/C[1 1 0]/CA 0.30000299/Contents(Recommendation: This no longer aligns with Exhibits A and B and should be changed.)/F 28/NM(7a2cc5c2-1f1a-48f8-82cf-aed7e6285c60)/P 4 0 R/PDFIUM_HasGeneratedAP true/Popup 2000 0 R/Rect[69.300003 773 89.300003 793]/Subtype/Text/T(Author)/Type/Annot>> endobj 93 0 obj [1796 0 R 94 0 R 95 0 R 96 0 R 1997 0 R 1998 0 R 1999 0 R] endobj 94 0 obj <>/C[1 1 0]/CA 0.30000299/Contents(Consideration: Whether to clarify this term in a way that ensures more consistency among the states.)/F 28/NM(8f7960d0-f2f4-4721-ac11-62b3222c5f07)/P 9 0 R/PDFIUM_HasGeneratedAP true/Popup 1997 0 R/Rect[365 593 385 613]/Subtype/Text/T(Author)/Type/Annot>> endobj 95 0 obj <>/C[1 1 0]/CA 0.30000299/Contents(Recommendation: Revise to Number of AI System Model\(s\) with Material Consumer Impact  to ensure alignment with a risk-based \ reporting framework and consistency with the corresponding financial impact column.\r\rRationale: As drafted, the reference to c\ onsumer impact  is overly broad and could capture virtually any AI-enabled functionality, including routine or low-risk automat\ ion that has no meaningful effect on consumers. This level of granularity would significantly expand the reporting universe, pot\ entially to the point of including systems analogous to basic computer-assisted processes, resulting in unwieldy inventories th\ at obscure areas of genuine regulatory concern. Adding the term material  narrows the focus to consumer impacts that are signi\ ficant enough to warrant regulatory attention, better aligns with NAIC s risk-based intentions and maintains alignment with the\ existing category for Material Financial Impact. )/F 28/NM(b42b3f68-6fdb-4a1b-a8aa-974a20b314ea)/P 9 0 R/PDFIUM_HasGeneratedAP true/Popup 1998 0 R/Rect[253.89999 593 273.89999 613]/Subtype/Text/T(Author)/Type/Annot>> endobj 96 0 obj <>/C[1 1 0]/CA 0.30000299/Contents(Support this change.\r\rRationale: \rFuture implementation plans are inherently fluid and subject to change based on business pr\ iorities, market conditions, vendor readiness, or evolving regulation. Collecting speculative forward-looking information is un\ likely to provide regulators with reliable or actionable insight into actual risk exposure and may create reporting inconsistenc\ ies across states.)/F 28/NM(ea2410e5-741a-4a4e-92c4-0c351d18efbb)/P 9 0 R/PDFIUM_HasGeneratedAP true/Popup 1999 0 R/Rect[617.34998 593 637.34998 613]/Subtype/Text/T(Author)/Type/Annot>> endobj 97 0 obj [98 0 R 99 0 R 100 0 R 101 0 R 102 0 R 2017 0 R 2018 0 R 2019 0 R 2020 0 R 2021 0 R] endobj 98 0 obj <>/C[1 1 0]/CA 0.30000299/Contents(Recommendation: Clarify how to count AI systems across program areas and add disclosure language acknowledging overlap.\r\rRati\ onale: \rThe current table structure requires companies to report data points by Use of AI System in Operations or Program Area\ .  In practice, not all AI systems align neatly with a single category. Many models are multi-purpose or embedded in enterprise-\ wide functions \(e.g., fraud detection tools that span underwriting and claims\). Without additional clarification, companies ma\ y face uncertainty in categorization and regulators may misinterpret the results, particularly where double counting occurs beca\ use a single AI system spans multiple program areas. To address this, we recommend NAIC include explicit disclosure language st\ ating that: AI systems may be listed under more than one program area if they are used across functions; and totals across progr\ am areas should not be assumed to represent unique AI systems but rather functional instances of use. This clarification will h\ elp ensure regulators interpret the data consistently, avoid misleading aggregation, and better understand the scope and distrib\ ution of AI usage within an organization.)/F 28/NM(a04dcafb-ffb7-4373-bfa0-4cffe95c6965)/P 12 0 R/PDFIUM_HasGeneratedAP true/Popup 2017 0 R/Rect[25.65 593.0 45.65 613.0]/Subtype/Text/T(Author)/Type/Annot>> endobj 99 0 obj <>/C[1 1 0]/CA 0.30000299/Contents(Recommendation: Narrow the AI System Use Case\(s\)  reporting requirement to include only those use cases with either consumer\ impact or material financial impact.\r\rRationale: \rThe current definition of use case  is broad and encompass virtually all f\ orms of AI-enabled automation within an insurer s operations, from routine administrative functions to core decision-making proc\ esses. Requiring disclosure of every possible use case risks diluting focus, producing unmanageable inventories and diverting b\ oth company and regulator attention away from the use cases that matter most. By narrowing reporting to consumer-impacting or fi\ nancially material use cases, Exhibit A will generate more actionable, decision-useful information that aligns with the stated \ purpose of facilitating risk assessment.)/F 28/NM(55f2204f-1081-4ac3-b447-ce1bff269fc1)/P 12 0 R/PDFIUM_HasGeneratedAP true/Popup 2018 0 R/Rect[670.20001 593 690.20001 613]/Subtype/Text/T(Author)/Type/Annot>> endobj 100 0 obj <>/C[1 1 0]/CA 0.30000299/Contents(Recommendation:\rRevise the Customer Service  to Customer-Facing AI Tools  to more accurately reflect the types of AI systems\ that warrant regulatory reporting under a risk-based framework.\r\rRationale:\rAs currently drafted, the broad Customer Service\  label risks sweeping in a wide range of low-risk, routine, or purely informational tools \(e.g., simple chatbots that retrieve\ pre-approved FAQs\) that pose minimal or no consumer impact. Without clear scoping, Exhibit A may unintentionally require insur\ ers to report internal, non-decisioning tools that function more like basic website utilities than AI systems with regulatory r\ elevance.)/F 28/NM(98307b70-df7d-4868-b1c6-4b0e8e5ffad3)/P 12 0 R/PDFIUM_HasGeneratedAP true/Popup 2019 0 R/Rect[19.15 593.0 39.15 613.0]/Subtype/Text/T(Author)/Type/Annot>> endobj 101 0 obj <>/C[1 1 0]/CA 0.30000299/Contents(Support this change.\r\rRationale: An other  category helps capture AIS models that can not be clearly classified in the table\ .)/F 28/NM(60f8d4f7-bed0-4324-9a35-4f4cebd1134b)/P 12 0 R/PDFIUM_HasGeneratedAP true/Popup 2020 0 R/Rect[19.15 593.0 39.15 613.0]/Subtype/Text/T(Author)/Type/Annot>> endobj 102 0 obj <>/C[1 1 0]/CA 0.30000299/Contents(Recommendation: Remove or refine definitions to better clarify scope.\rRationale: We believe legal compliance , producer se\ rvices  and reserves/valuations  to be overly broad and not specifically tied to potential adverse consumer outcomes or materi\ al adverse financial impact. )/F 28/NM(3ef79dc5-a12c-424e-bb99-5a03a260a208)/P 12 0 R/PDFIUM_HasGeneratedAP true/Popup 2021 0 R/Rect[19.15 593.0 39.15 613.0]/Subtype/Text/T(Author)/Type/Annot>> endobj 103 0 obj [104 0 R 1994 0 R] endobj 104 0 obj <>/C[1 1 0]/CA 0.30000299/Contents(Support this change.\r\rRationale: \rThe proposed consumer complaints section of Exhibit A is not practicable or decision-useful\ in its current form. In many cases, complaint tracking systems are organized by issue type \(e.g., denial, access, benefits\) r\ ather than by the underlying technology involved. Requiring companies to determine whether a process relied on AI  would necess\ itate new infrastructure, complaint triage processes and metadata capture across all intake channels. This would impose signifi\ cant administrative burden while generating information of questionable accuracy, given the broad and ambiguous scope of relied\ on AI system,  which could include minor consumer interactions \(e.g., chatbots\) rather than substantive decision-making. Addi\ tionally, health insurers are already subject to extensive consumer protection rules that provide formal complaint, grievance, r\ eview and appeal pathways regardless of whether AI or traditional systems were involved. )/F 28/NM(7f4f18fe-9a7f-4a5c-bb41-684912cc73ef)/P 15 0 R/PDFIUM_HasGeneratedAP true/Popup 1994 0 R/Rect[19.15 593.0 39.15 613.0]/Subtype/Text/T(Author)/Type/Annot>> endobj 106 0 obj [1794 0 R 107 0 R 1993 0 R] endobj 107 0 obj <>/C[1 1 0]/CA 0.30000299/Contents(Recommendation: Remove the suggested question, How does the insurance company assess autonomy, reversibility, and reporting i\ mpact risk of AI systems?  from the Governance Framework section of Exhibit B.\r\rRationale: This question introduces concepts th\ at are not reflected elsewhere in the AIS Tool and would expand Exhibit B beyond its intended purpose of capturing established \ governance practices. autonomy,  reversibility  and reporting impact risk  are not standard elements, making the question dif\ ficult to answer consistently or meaningfully across insurers. Removing the question keeps Exhibit B focused on well-defined go\ vernance expectations and avoids capturing data that would create more confusion than actionable information.)/F 28/NM(32340d54-0d51-45e7-a078-3b7848ac417c)/P 20 0 R/PDFIUM_HasGeneratedAP true/Popup 1993 0 R/Rect[95 593 115 613]/Subtype/Text/T(Author)/Type/Annot>> endobj 108 0 obj [109 0 R 110 0 R 1991 0 R 1992 0 R] endobj 109 0 obj <>/C[1 1 0]/CA 0.30000299/Contents(Recommendation: Revise Question 2 to focus only on AI systems that have either a direct consumer impact or material financial \ impact.\r\rRationale: \rAs drafted, Question 2 appears to require companies to catalog every single instance where AI generates a\ financial transaction, consumer impact, financial statement entry, or control assessment. If taken literally, this would be hig\ hly burdensome to compile and challenging to maintain accuracy, given the growing number of AI applications across insurance op\ erations. Limiting the request to use cases with consumer impact or material financial impact would align with the risk-based fo\ cus of Exhibit A and avoid diluting regulator attention with immaterial details.)/F 28/NM(499b9f6b-6a15-4940-acbd-36dfdfc6c847)/P 23 0 R/PDFIUM_HasGeneratedAP true/Popup 1991 0 R/Rect[59 593 79 613]/Subtype/Text/T(Author)/Type/Annot>> endobj 110 0 obj <>/C[1 1 0]/CA 0.30000299/Contents(Recommendation: Clarify that testing and transparency requirements for third-party AI systems can be satisfied by either the v\ endor or the insurer.\r\rRationale: \rMany AI systems are supplied by third-party vendors who retain proprietary rights over thei\ r models. Insurers may not have access to the technical detail necessary to independently test every element. It should be accep\ table for companies to rely on vendor testing and assurance reports, rather than duplicating work that cannot reasonably be per\ formed by the insurer)/F 28/NM(018894bc-0009-4454-b3eb-df6166c01ce4)/P 23 0 R/PDFIUM_HasGeneratedAP true/Popup 1992 0 R/Rect[496.70001 593 516.70001 613]/Subtype/Text/T(Author)/Type/Annot>> endobj 116 0 obj [117 0 R 118 0 R 1995 0 R 1996 0 R] endobj 117 0 obj <>/C[1 1 0]/CA 0.30000299/Contents(Support this change.\r\rRationale: \rWithout a clear definition of ethical,  insurers face ambiguity in designing and documenti\ ng governance processes. Ethical considerations can vary significantly across cultural, operational and legal contexts, and wit\ hout common standards, regulated entities may either under- or over-engineer compliance processes. Removing this question would \ avoid the inherent ambiguity of this question. Alternatively, NAIC must provide guidance to establish baseline expectations, re\ duce subjectivity and support insurers and regulators in expectation-setting and evaluation of AI practices. )/F 28/NM(25b545d8-5cdb-48e6-ab14-74c2745fac83)/P 32 0 R/PDFIUM_HasGeneratedAP true/Popup 1995 0 R/Rect[50.55 593.0 70.55 613.0]/Subtype/Text/T(Author)/Type/Annot>> endobj 118 0 obj <>/C[1 1 0]/CA 0.30000299/Contents(Recommendation: Revise to read: Ensures AI systems are compliant with applicable state and federal laws and regulations. \r\rR\ ationale: Adding the word applicable  provides necessary clarity and prevents misinterpretation that insurers must demonstrate \ compliance with every state or federal requirement, regardless of whether it relates to a given AI system or line of business. \ As written, the provision could be read to imply a universal compliance obligation that is neither practical nor aligned with ri\ sk-based regulatory expectations. )/F 28/NM(6cdcd068-153c-405a-be42-f431a7be23cd)/P 32 0 R/PDFIUM_HasGeneratedAP true/Popup 1996 0 R/Rect[251.60001 593 271.60001 613]/Subtype/Text/T(Author)/Type/Annot>> endobj 119 0 obj [1790 0 R 120 0 R 1990 0 R] endobj 120 0 obj <>/C[1 1 0]/CA 0.30000299/Contents(Recommendation:\rAmended to align with the language in Exhibit A of material financial impact .)/F 28/NM(89b0d46b-b7d5-45b5-bf94-99a285e3723f)/P 37 0 R/PDFIUM_HasGeneratedAP true/Popup 1990 0 R/Rect[81.550003 593 101.550003 613]/Subtype/Text/T(Author)/Type/Annot>> endobj 121 0 obj [122 0 R 123 0 R 1988 0 R 1989 0 R] endobj 122 0 obj <>/C[1 1 0]/CA 0.30000299/Contents(Recommendation: Revise to read: Discuss how the model is reviewed for compliance with applicable state and federal laws, the \ unfair trade practices act, and unfair claims settlement laws. \r\rRationale: Expanding the phrasing to applicable state and fed\ eral laws  ensures Exhibit C captures a complete and accurate compliance review without imposing an expectation that companies \ address laws unrelated to the model s function. This revision better aligns the exhibit with a comprehensive, risk-based complia\ nce process.)/F 28/NM(13e53103-ef13-4c9d-900b-ee68e54c73e9)/P 40 0 R/PDFIUM_HasGeneratedAP true/Popup 1988 0 R/Rect[28.700001 593 48.700001 613]/Subtype/Text/T(Author)/Type/Annot>> endobj 123 0 obj <>/C[1 1 0]/CA 0.30000299/Contents(Recommendation: Revise the instruction to incorporate the in-text edits.\r\rRationale: The current language requires disclosure\ of an extremely broad range of actions, some of which may be confidential, privileged, or restricted from disclosure under stat\ e or federal law. Without acknowledging these legal constraints, the exhibit could inadvertently place companies in a position \ of having to choose between complying with Exhibit C and complying with statutory confidentiality requirements.)/F 28/NM(bb9e908f-2eb0-445d-bfa1-744ac3157626)/P 40 0 R/PDFIUM_HasGeneratedAP true/Popup 1989 0 R/Rect[28.700001 593 48.700001 613]/Subtype/Text/T(Author)/Type/Annot>> endobj 124 0 obj [1788 0 R 125 0 R 126 0 R 127 0 R 1985 0 R 1986 0 R 1987 0 R] endobj 125 0 obj <>/C[1 1 0]/CA 0.30000299/Contents(Recommendation:\rChange to material financial impact  to align with Exhibit A.)/F 28/NM(9ca19398-0407-4d5b-8740-67dc3dd9e198)/P 43 0 R/PDFIUM_HasGeneratedAP true/Popup 1985 0 R/Rect[57.849998 593 77.849998 613]/Subtype/Text/T(Author)/Type/Annot>> endobj 126 0 obj <>/C[1 1 0]/CA 0.30000299/Contents(Recommendation: Revise to state Describe the Line of Business for Which This Response Applies \r\rRationale: To align with the\ edits made to this question in the other Exhibits. This also better allows regulators to customize the tool as needed for targe\ ted inquiries.)/F 28/NM(23a11181-5be0-47e0-8125-f7c8f1b526a1)/P 43 0 R/PDFIUM_HasGeneratedAP true/Popup 1986 0 R/Rect[19.15 593.0 39.15 613.0]/Subtype/Text/T(Author)/Type/Annot>> endobj 127 0 obj <>/C[1 1 0]/CA 0.30000299/Contents(Recommendation: Make disclosure of specific third-party data sources and vendor names optional rather than required.\r\rRationa\ le:\rRequiring companies to disclose the identity of third-party data sources and vendor names may create conflicts with existin\ g confidentiality agreements and nondisclosure obligations. Many vendor contracts explicitly restrict disclosure of their identi\ ty or solutions in regulatory filings outside of privileged examination contexts. Making vendor identification a mandatory fiel\ d could therefore place insurers at risk of breaching contractual obligations.)/F 28/NM(5173f2ce-5ae3-468a-8d02-a59625a0adad)/P 43 0 R/PDFIUM_HasGeneratedAP true/Popup 1987 0 R/Rect[649.90002 593 669.90002 613]/Subtype/Text/T(Author)/Type/Annot>> endobj 128 0 obj [129 0 R 1984 0 R] endobj 129 0 obj <>/C[1 1 0]/CA 0.30000299/Contents(IA suggested edit.)/F 28/NM(3788889b-a1a8-4cd5-8029-dccb5edfd11c)/P 46 0 R/PDFIUM_HasGeneratedAP true/Popup 1984 0 R/Rect[37.150002 593 57.150002 613]/Subtype/Text/T(Author)/Type/Annot>> endobj 1803 0 obj <> endobj 1806 0 obj <>/ProcSet[/PDF/Text]>>/Rotate 0/StructParents 0/Tabs/S/Type/Page>> endobj 1981 0 obj <> endobj 1982 0 obj <> endobj 1984 0 obj <> endobj 1985 0 obj <> endobj 1986 0 obj <> endobj 1987 0 obj <> endobj 1988 0 obj <> endobj 1989 0 obj <> endobj 1990 0 obj <> endobj 1991 0 obj <> endobj 1992 0 obj <> endobj 1993 0 obj <> endobj 1994 0 obj <> endobj 1995 0 obj <> endobj 1996 0 obj <> endobj 1997 0 obj <> endobj 1998 0 obj <> endobj 1999 0 obj <> endobj 2000 0 obj <> endobj 2001 0 obj <> endobj 2002 0 obj <>stream HWn}Wq恜@ F1vmvhm٫8TuW_٤/ ^ ɾԩSۇחzws7{ vU (Ao%{nP_חe+䆗/`mfN+ݡJvINSBN6-\-} f޽l^X>n[-ZܯͻGw_=XB g{l>D vA E\8=V5MӚ|e!J 4i1xCĊ@wL˼ CN#0'т.]P,vpߌepvI*LXb#A6qv%{b#x /t#D-Ya^y Lc'I nn͎,$3#OR+,^VeB!C< %(k ¬Ne;֩Ѹu.V0MP&ѶmFB\q^RJ*ryWYQwrXL%wD0 rKpKh'{6#l=*Z0[4c2Z <H Põ=~PΘ>KûlI01< V2!x j$yᑦ:?7T16IEv³oDe>Ԟ ]b pIj.=YbHY z}PGވ&P}V ɢAW,JV=yzLjEw_s"wDCiQT Tm,tj''5)-hM6Tr#biWj* q(dܼaԠݺ>%؊T: ]QBk HP) N& bB=y- U,I σFl՘s=}\Zn{blNLA(1ծru |oR.uc | /Czv=FNZqvkQǥc0,xFʌ[QMTeK:%PP1gADٔ7%n Y fsڵ~a8T?%,*l-Ph22tM兎*;DSc> M.%J .!DW@yǴ[Ѕ 2N5g*/a[ 355jZx=-&лNz猱TD9DqO yE^3;D.BHEH/m$%K%J;S1^DB>>S"/]7Ue[[PPksfl%0#x ͋ ؋[pIƜ)r=Wi\QzDžU;/$%i; Q ]Oa_IfS )4& ]a MB@{nceb8`VHb^FѺXӳbr8|l5>1W\=Rf];Y+CB^R`4Lرq5JYL4X$ވ` -#Z@u*C{jxƚy w1&0(J')Bn9~Cm-/&5qNCkJKu&辗h>RU0/R;TWG ]GC#Bk|q<XdOo.ee*TYgB,mx{\_^޾kt3M;|ٷVOL-\`inF /7n< AJUirUl6I{qĕHNel t7Rm.65F?W[<^hjm8W0t9ؘK7=ۏ]  D׎!f{LC=IH=6 ޲m^pw}R,āF~1P-5=C]$)aԼx6`%B==B QL:5e*ch9yȡf-ie]2V]D4I ]MvQD*Wu#U/u@ NhJ9mOkܛY"7!7D FjXN;1.{r:86- %e<3 qENY WddnCLMI ̲}l~ tkIoghz/&gMkHu@H{ԕ5-,hwDȞ18]= ¾Eůgi^'H(7`%1UjaU b\i5ZV^t4o+ήM*֢JP|{d3/2ej|FiP j3IK I%:E0;,qOak,qp3. 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'|I>Q 1*oʞ.?.< /BN( 3œ0/B¼yN#r\ 9'̭ ucFDL"wLL–\-[QPޏ1˧N0 6 wzG`5YO)+zdkh44Ko1?F6#QFzc$ G_ mAi!Ԙj5 f{V4ČWO ˧᪋U D~sۀ`Y7 endstream endobj xref 0 1 0000000000 65535 f 84 1 0000733253 00000 n 1803 1 0000737232 00000 n 1806 1 0000737493 00000 n 1981 1 0000737786 00000 n 2012 1 0000737931 00000 n 2014 1 0000757360 00000 n 2022 12 0000757646 00000 n 0000757791 00000 n 0000764652 00000 n 0000764681 00000 n 0000764983 00000 n 0000784412 00000 n 0000784483 00000 n 0000784769 00000 n 0000784855 00000 n 0000800951 00000 n 0000801385 00000 n 0000801477 00000 n trailer <<9D913ACC605F5547BAFB1CC3001E232B>]/Prev 731379>> startxref 831096 %%EOF