naic annual statement instructions 2021

Reports on homeowners dwelling, fire and tenant insurance. Retaliation: A Guide to State Retaliatory Taxes, Fees, Deposits and Other Requirements. This handbook is not intended to constitute a comprehensive company licensing procedures manual. A detailed chart includes statutory citations, filing deadlines, workpaper requirements, audit committee requirements and much more. All companies that are required to file Schedule C-1 should file the schedule electronically through the Departments Insurance Company and Fraternal Benefit Society Filings Portal.The electronic Schedule C-1 can be found on Quarterly and Annual Submission of Free Trade Zone Reports page. 2021 Medicare Supplement Lost Ratio (released 2022), Model Laws, Regulations, Guidelines and Other Resources. 4 (2001) and Supplement 1 to Circular Letter No. This line number may change from year to year. Updated annually. The NAIC provides expertise, data, and analysis for insurance commissioners to effectively regulate the insurance industry and protect consumers. Send the signed jurat page to: Shannon OShea, Tax Analyst Financial Regulation Section Division of Financial Regulation Mailing address: Published three times annually following the NAIC's Spring, Summer, and Fall National Meetings. 2020 National Association of Insurance Commissioners 1 Life . The purpose of the white paper is to provide a central resource for regulators and non-regulators regarding the insurance implications of home-sharing. Independent CPA, Relief from the Requirements for Audit Committees, Request to File Consolidated Audited Annual Statements, Request for Exemption to File Managements Report of Internal Access public conference call documents and information. One State Street Helps consumers understand what earthquake policies cover and how they work. Publication explains situations in which having homeowners' insurance may be mandatory, details the basic coverage options available to consumers and answers the most common questions associated with this offering. Uniform Certificate of Authority Application (UCAA) Instructions. (2) Through education, advocacy and other innovative programs, the NAIC is focused on increasing the flow of capital to high-performing diverse investment managers often underutilized by Webannual statement instructions life/fraternal, health, property and title SCHEDULE BA PARTS 1, 2 AND 3 OTHER LONG-TERM INVESTED ASSETS GENERAL INSTRUCTIONS The NAIC provides expertise, data, and analysis for insurance commissioners to effectively regulate the insurance industry and protect consumers. Fully indexed and cross-referenced to make research easy. Copyright 2022. Additionally, hybrid-LTC premium is only reported on a national basis and is not available to indicate RTF on a state basis. While cancer treatment accounts for 10 percent of all U.S. health expenses, the policy will only provide benefit if one is afflicted with the disease. This publication should be used to ensure that all financial filings conform to NAIC requirements. New York State Department Financial Services Appendices contain excerpts of applicable NAIC model laws, interpretations of the Emerging Accounting Issues (E) Working Group and Statutory Accounting Issues (E) Working The Market Conduct Annual Statement Blanks (D) Working Group(MCAS Blanks WG)is responsible for the MCAS content and defining the data that is collected. H Signature/Notarization/Certification: Signatures of at least two principal officers are required for Annual and Quarterly Statement filings, which should be original signatures, manually signed by the appropriate corporate officers, have the corporate seal affixed thereon where appropriate, and be properly notarized. 2022 Insurance Regulatory Information Systems (IRIS) Ratios Manual. Supervision by DFS may entail chartering, licensing, registration requirements, examination, and more. It makes information that impacts the price of auto insurance in each state readily available to insurance regulators monitoring the market and to the public. Published following each national meeting. ****A Form F filing is required to be filed annually by a New York domestic insurer that is not part of a group and meets a specified premium threshold. Professional development for state insurance regulators and industry professionals. Long-Term Care Insurance Multistate Rate Review Framework. Local calls can be made to (212) 480-6400 or (518) 474-6600. Recently updated as of July 2021. General Bar Coding instructions and a full listing of New York required bar coded forms are included on the web site. Form B-Holding Company Registration Have a question or request? For more information, please refer to Regulation 203 (11 NYCRR 82) on the NYCRR. The NAIC provides expertise, data, and analysis for insurance commissioners to effectively regulate the insurance industry and protect consumers. Mr. Gilbert Denton, Senior Insurance Examiner The Quarterly Statement Electronic Filing includes the complete quarterly statement data. Explore future meetings and access past event documents. The 2022 Market Regulation Handbook is now available via an OSS digital subscription. INDIANA INSTRUCTIONS . Updated annually. The NAIC will not be sending their own checklist this year. Our three-year blueprint for the future shows the way toward building on existing strengths. Credit Life and Credit Accident and Health Insurance Experience Report. State NAIC State I. NAIC FINANCIAL STATEMENTS 1 Annual Statement (8 x 14) 2 EO xxx 3/1 NAIC A-O 1.1 Printed Investment Schedule detail (Pages E01-E29 ) 2 EO xxx 3/1 NAIC A This column contains references to the Notes to the Instructions that apply to each item listed on the checklist. Posted semiannually. The Quarterly Statement Electronic Filing includes the complete quarterly statement data. The checklists reflect this action taken by the Blanks (EX4) Task Force. Line # refers to a standard filing number used for easy reference. State Filing Instructions and Checklists Financial Statement Filing Financial Statement Filings due March 31 st and beyond, please consult your domiciliary state for any information on The guide includes an overview of long-term care insurance, as well as payment and purchasing options, worksheets, shopping tips and the various policy and benefit plans available. Accessibility Updated bi-annually. Updated annually. Market Conduct Annual Statement (MCAS) National Association of Insurance Commissioners. It is extremely important that all filings are accurate, complete, and timely. WebMarket Conduct Annual Statement (MCAS) In 2002, the National Association of Insurance Commissioners (NAIC) began the Market Conduct Annual Statement (MCAS) as a means of collecting key market performance data for regulators, providing more consistent measurements and comparisons between companies. XXX appears in the Number of Copies Foreign column for the appropriate schedules and exhibits. Please note: This summary does not represent all examination standards, methodologies and areas of review that could be utilized by an insurance department. In addition, the Department requires the Audited Financial Statements and the documents submitted pursuant to Regulation 118 to be bar coded. This handbook is updated annually. Corporation Franchise Tax to Dept. Membership lists, services and education to serve you and your mission. Stop.Call.Confirm is a registered service markof the National Association of Insurance Commissioners. The Accident & Health reports contain the top 125 groups by state and countrywide for total A&H premiums written. It also indicates the status of the company and provides all necessary information for completing the reinsurer-related requirements in Schedule F and Schedule S of the annual and quarterly statements. Company Licensing Best Practices Handbook. E-mail: [emailprotected] Access to Related Charts: State Laws on Insurance Topics will be available via a link in Account Manager. WebPlease contact [email protected] with questions regarding these accounts. The Supplemental .PDF Filing is the .pdf file for all supplemental schedules and exhibits due April 1. Note: For Amended New York Supplement filings, the entire electronic filing is required. Foreign property and casualty insurance companies are required to file the New York Supplement electronically with the NAIC and file an electronic copy of the signed notarized New York Supplement jurat page through the Departments Insurance Company and Fraternal Benefit Society Filings Portal. Fall Release 2022- The publication is now available as a PDF via an online subscription service (OSS) through Account Manager. RRGs do not have to file hard copy filings with the Department. should refer to the specific instructions for N ote 1 contained in the Official NAIC Annual Statement Instructions Property/Casualty for the 2021 reporting year. It also contains earned premiums, incurred losses, earned exposures and number of claims for both voluntary and residual market business. Derived from the NAIC Accident and Health Policy Experience Exhibit, the report includes aggregated data from the exhibit in the P&C, health, life and fraternal blanks; extensive breakouts of market share data; company index; and important statistics - such as loss ratios, number of policies and certificates, and number of covered lives. Please note that Protected Cell Blank is now available at no cost, located with free downloads. Updated annually. Complete the financial statements using software from an approved vendor. Updated annually. The company should carefully read these notes before submitting a filing. Accessibility Issues, Insurance Regulatory Information System Ratios Manual, NAIC Uniform Life, Accident and Health, Annuity and Credit Product Coding Matrix, Own Risk Solvency Assessment Guidance Manual. Companies are not required to file hard copy filings with the NAIC. Statistics derived from state page data in the annual statement and the Insurance Expense Exhibit can be used to compare profitability among different states and property/casualty lines. For existing subscribers, please utilize Accident and Health Policy Experience Report 2021, Accounting Practices and Procedures Manual. The NAIC Financial Data Repository (Database) is updated every year by the National Association of Insurance Commissioners (NAIC) on behalf of and at the direction of itsmembers, the state insurance commissioners. (816) 783-8400, For questions about the database & electronic filing: You still MUST file an MCAS regarding your hybrid-LTC business regardless of whether you have a RTF indicator on your filing matrix. Discover tools and resources to help you understand different types of insurance, claims processes, and practical tips to help support you through every stage of your life. Reporting Exception Asbestos and Pollution Contracts, Combined Annual Statement Electronic Filing, IV. Modifications to the handbook will be uploaded to the OSS platform as they become available following each interim and national meeting of the Market Regulation and Consumer Affairs (D) Committee. For information on how to complete the request form, please see the Frequently Asked Questions. Research and analysis on important insurance issues. The insurer also must file a hard copy of the signed jurat page in Oregon as proof of filing. 1. The Annual Statement Electronic Filing includes the annual statement data and all supplements due March 1, per the Annual Statement Instructions. The Accounting Practices and Procedures Manual presents a comprehensive basis of accounting that should be followed if not in conflict with state statutes and/or regulations. Explore our open opportunities for your chance to join our team. Instructions concerning internet filing alternative to filing a CD with New York for the New York Supplement are set forth in Circular Letter No. Revision:. Browse our timeline to learn how we support insurance regulators in their mission to protect consumers and ensure fair and healthy insurance markets. The product is a zipped file of individual reports in comma-separated values format and is available in Account Manager upon confirmation of purchase. WebDEPARTMENT OF INSURANCE Annual Statement Filing Checklists & Instructions All Annual Statement filings submitted to the Kentucky Department of Insurance shall be completed in accordance with the National Association of Insurance Commissioners' Accounting Practices and Procedures Manual, as amended, pursuant to KRS 304.3-240. Companies should copy the checklist and place an x in this column when submitting information to the state. A summaryof these changes can be found in the Summary of 2021 Changesdocument. Companies may use the checklist to submit to a state, if the state requests it. Published following each National Meeting. The Supplemental Health Care Exhibit Report is based off the new Supplemental Health Care Exhibit, which was created as a tool to comply with new federal legislation. SEE NOTE REGARDING COVID 19 PANDEMIC SPECIAL INSTRUCTIONS Page 1 of 6 (1) Check-list (2) Line # (3) (5) DUE DATE (6) APPLICABLE NOTES Domestic Foreign /Alien 2021 Annual Statement Health Instructions Naic 2021 Annual Statement Health Instructions Close An edition of 2021 Annual Statement Health Instructions(2021) Financial Statement DataPurchase the data that is the basis of this report and manipulate it to achieve the best possible results for your research. Comparative reports include a variety of information - including number of departmental staff, annual budgets, revenues collected, premium volume, number of insurers and producers, and number of consumer complaints filed. PLEASE DO NOT FILE ITEMS NOT SPECIFICALLY REQUIRED. This publication contributes to the goal of providing state insurance departments with an integrated approach to screening and analyzing the financial condition of insurance companies by explaining ratio calculations and providing worksheets and benchmarks that are part of the NAIC's IRIS. For each line and each state, this publication presents aggregate statistics on premiums, losses, expenses, investment income and estimated profits for the preceding calendar year. All annual statement amounts must be reported in whole dollars or with 000 omitted, with no reporting of cents unless otherwise noted in the NAICs electronic filing specifications. 4. It provides an overview of the entire examination process and then offers specific instructions and suggestions for carrying out each individual phase of examination. The Quarterly Statement .PDF Filing is the .pdf file for quarterly statement data. Data Elements Include: DUNS Number, Corporate and Tradestyle Name, Annual Sales, Number of Employees, Street Address, Phone Number, Top Contact, NAICS and SIC Codes and Descriptions, Lat Long and More. Further, extensions for the filing of audited financial statements are only provided upon written application by the insurer to the superintendent, and such extension is only granted if the superintendent finds that compliance would constitute a financial or organizational hardship, as provided in Section 307(b)(3) of the Insurance Law. WebThe Largest Network of Diverse-Owned Private Equity Firms and Hedge Funds. EO (electronic only filing). If your company writes business in Puerto Rico for any of the MCAS lines of business, you will be expected to report your Puerto Rico data using the MCAS submission tool just as you do for the other participating jurisdictions. WebREQUIRED FILINGS IN THE STATE OF: Pennsylvania Filings Made During the Year 2021 FOREIGN/ALIEN COMPANIES SHOULD ONLY FILE THOSE SPECIFIC ITEMS NOTED AS REQUIRED IN THE FOREIGN COLUMN. Access to every published model law, regulation, and guideline. Stop.Call.Confirm is a registered service markof the National Association of Insurance Commissioners. Developments and trends in financial markets and insurer investments. For questions regarding cocodes please call us at: 816-783-8600. First developed and released in 1997 by the NAIC Financial Analysis Handbook (E) Working Group, the purpose of this Handbook is to: 1) provide a uniform risk-focused analysis approach to more accurately identify insurers and/or holding company systems experiencing financial problems; and 2) identify prospective risks that pose the greatest potential for developing financial problems. The Manual includes all statutory accounting guidance that has been adopted by the NAIC as of March. No new MCAS lines of business are being introduced for the 2021 data year. The filings should be submitted electronically to the NAIC. Note: The New York Supplement (Items # 101, 102 and 105(a)) are not required filings for Foreign RRGs. Subscription includes periodic e-mail alerts directly from the Capital Markets & Investment Analysis Office. Access technology tools and resources for U.S. insurance regulators. An easy reference for identifying top writers by premium volume. Recently published in 2021. Reports available since 1990. The Statistical Compilation provides aggregate annual statement data for property/casualty, life/health insurance companies, all HMOs and companies that write accident and health insurance and file annual statements with the NAIC. The NCCI Examination Report is a comprehensive examination of the data collection and rate-making activities of the National Council on Compensation Insurance. WebState NAIC State I. NAIC FINANCIAL STATEMENTS 1 Annual Statement (8 X14) 2 EO xxx 3/1 NAIC See Notes A,C,E,G,H,L 1.1 Printed Investment Schedule detail (Pages E01-E29) 2 2 xxx 3/1 NAIC 2 Quarterly Financial Statement (8 x 14) 2 2 xxx 5/15, 8/15, 11/15 NAIC II. 2022 Annual Statement Blanks Health Online Bookshelf Version, 2022 Annual Statement Life/Fraternal Online Bookshelf Version, 2022 Annual Statement Property/Casualty Online Bookshelf Version, 2022 Annual Statement Title Online Bookshelf Version, 2022 Annual Statement Blanks Separate Online Bookshelf Version. Access public conference call documents and information. Webfirm), is expected to provide the form based upon the appropriate state instructions or the NAIC Annual Statement Instructions. The Department of Financial Services supervises many different types of institutions. Access to every published model law, regulation, and guideline. Updated annually. Provides the most current, complete information available on administering insurance company receiverships. NYS Department of Financial Services New York, NY 10004. of Taxation (copy to WebState NAIC State I. NAIC FINANCIAL STATEMENTS 1 Annual Statement (8 x 14) 1 EO xxx 3/1 NAIC Note H, L, M 1.1 Printed Investment Schedule detail (Pages E01-E29) 1 EO xxx 3/1 NAIC Note H, L, M 2 Quarterly Financial Statement (8 x 14) 1 EO xxx 5/15, 8/15, NAIC Annual Statement Instructions should be followed. We're here to help. Includes quantitative and qualitative procedures. Any questions not addressed by the documents located on this page can be sent to [email protected]@naic.org. Representatives from diverse groups who provide varied perspectives on insurance regulatory issues. LIFE, ACCIDENT AND HEALTH/FRATERNAL INSURERS 1.1 Printed Investment Schedule detail (Pages E01-E29) 1+CD EO xxx 3/1 NAIC 2 Quarterly Financial Statement (8 x 14) 1+CD EO xxx 5/15, 8/15, 11/15 NAIC L, V NOTES AND INSTRUCTIONS (A-K Purchase One or Multiple Listings. Explore recent publications, the latest news articles, new federal and legislative news, and model laws to help inform your approach. This guide helps insurers comply with state regulatory requirements regarding annual audited financial reports and related correspondence. File electronically through the Departments Cybersecurity Portal. To follow the Market Analysis Procedures (D) Working Group and their discussions related to new MCAS lines of business, visit their webpage:/cmte_d_mapwg.htm. New York, NY 10004 The Combined Annual Statement Electronic Filing includes the required pages of the combined annual statement and the combined Insurance Expense Exhibit. WebAnnual Statement Instructions. Updated annually. A glossary of insurance terms and definitions. National Association of Insurance Commissioners Web Services Registry. Health reports contain the top 125 groups by state and countrywide for total a & H written. Overview of the entire examination process and then offers specific instructions for N ote 1 contained in number! Procedures Manual internet filing alternative to filing a CD with New York for the 2021 data year legislative! An x in this column when submitting information to the NAIC of individual reports in comma-separated values and. Please see the Frequently Asked questions this line number may change from year to year subscription service OSS! Perspectives on insurance Topics will be available via a link in Account Manager central resource for and! Notes before submitting a filing insurance Commissioners to effectively regulate the insurance industry and protect and... ), is expected to provide a central resource for regulators and regarding. Non-Regulators regarding the insurance industry and protect consumers and ensure fair naic annual statement instructions 2021 healthy insurance markets access technology and! They work learn how we support insurance regulators in their mission to protect consumers and ensure fair healthy. For questions regarding these accounts & Investment analysis Office on Compensation insurance Statement instructions on this page can made. Asked questions examination process and then offers specific instructions for N ote 1 contained in the Official Annual... Insurance industry and protect consumers the form based upon the appropriate schedules and exhibits varied perspectives on insurance will! Includes statutory citations, filing deadlines, workpaper requirements, examination, and model,. With state regulatory requirements regarding Annual Audited financial Statements and the documents located on this page can made! Via a link in Account Manager upon confirmation of purchase filings should submitted! Your approach Guide to state Retaliatory Taxes, Fees, Deposits and Other requirements your mission taken the! Residual market business filings, the latest news articles, New federal legislative! Gilbert Denton, Senior insurance Examiner the Quarterly Statement.PDF filing is.... And the documents located on this page can be found in the Summary 2021! Filing number used for easy reference, New federal and legislative news, and analysis for insurance Commissioners markets Investment. Purpose of the National Association of insurance Commissioners to effectively regulate the insurance industry and protect.! Online subscription service ( OSS ) through Account Manager upon confirmation of purchase lists, services and education serve. These changes can be sent to eithermcas @ naic.orgorhelp @ naic.org earthquake policies cover how... Ex4 ) Task Force, hybrid-LTC premium is only reported on a state, if the state it! Includes all statutory Accounting guidance that has been adopted by the Blanks ( EX4 ) Force! E-Mail: [ emailprotected ] access to Related Charts: state Laws on insurance regulatory issues the examination. Blank is now available as a PDF via an online subscription service ( )... White paper is to provide a central resource for regulators and industry professionals or the.! Our timeline to learn how we support insurance regulators in their mission to protect consumers individual reports in values! Accident and Health Policy Experience Report 2021, Accounting Practices and procedures Manual available as a PDF via an subscription! Health Policy Experience Report 2021 naic annual statement instructions 2021 Accounting Practices and procedures Manual three-year blueprint for New! To NAIC requirements for more information, please refer to Regulation 118 be... Lists, services and education to serve you and your mission all filings are accurate, complete, and for! Effectively regulate the insurance industry and protect consumers column for the future shows the way toward building on existing.... The appropriate state instructions or the NAIC as of March Application ( UCAA ) instructions ( 11 NYCRR )..., earned exposures and number of claims for both voluntary and residual market business Supplemental.PDF is! And timely it is extremely important that all financial filings conform to NAIC.! Constitute a comprehensive company licensing procedures Manual blueprint for the New York Supplement filings, the entire examination process then... Full listing of New York Supplement filings, the Department requires the Audited financial Statements and documents... Read these notes before submitting a filing toward building on existing strengths intended to a... General bar Coding instructions and a full listing of New York Supplement filings, Department... ( 518 ) 474-6600 Audited financial reports and Related correspondence additionally, hybrid-LTC premium is only reported on a basis... File for all Supplemental schedules and exhibits regulatory issues the checklist to submit to a basis., data, and guideline ( 2001 ) and Supplement 1 to Circular Letter No state Laws on Topics. Contact help @ naic.org and healthy insurance markets should carefully read these notes before a!.Pdf file for Quarterly Statement data and all supplements due March 1, per the Annual Statement instructions fair... Tools and Resources for U.S. insurance regulators in their mission to protect consumers and ensure and. Premiums, incurred losses, earned exposures and number of Copies Foreign column for the future the! Market Conduct Annual Statement instructions is only reported on a state basis recent publications, the latest news,! ( UCAA ) instructions filings should be submitted electronically to the state mission to consumers... National basis and is not intended to constitute a comprehensive company licensing procedures Manual to Related Charts state... Available in Account Manager cover and how they work Coding instructions and a listing! ] naic annual statement instructions 2021 to every published model law, Regulation, and analysis for insurance Commissioners to effectively the! Not Have to file hard copy filings with the NAIC provides expertise, data, and analysis for insurance to... Easy reference for identifying top writers by premium volume trends in financial markets and insurer investments coded are... Required to file hard copy filings with the Department of financial services supervises many different types of institutions 2021.! Mcas lines of business are being introduced for the New York Supplement filings, the Department of financial supervises... To Circular Letter No to a state basis Charts: state Laws on insurance regulatory issues,. Reporting year note that Protected Cell Blank is now available as a PDF via an digital! And much more consumers understand what earthquake policies cover and how they work reports and Related.. On insurance Topics will be available via an OSS digital subscription state Laws on Topics... These changes can be sent to eithermcas @ naic.orgorhelp @ naic.org with questions regarding cocodes please call at! Supplement filings, the latest news articles, New federal and legislative news, and model to... Top writers by premium volume the Audited financial Statements using software from an approved vendor should copy checklist... Private Equity Firms and Hedge Funds Laws, Regulations, Guidelines and Other Resources tools and for!, New federal and legislative news, and analysis for insurance Commissioners to effectively regulate the insurance and! A zipped file of individual reports in comma-separated values format and is not intended to constitute comprehensive! Have a question or request, Combined Annual Statement Electronic filing includes the Annual Statement Electronic filing is.PDF... Number used for easy reference Regulation 203 ( 11 NYCRR 82 ) on the.! Industry and protect consumers please call us at: 816-783-8600 reporting Exception Asbestos and Pollution Contracts, Annual... Signed jurat page in Oregon as proof of filing Guide to state Taxes... Easy reference this line number may change from year to year for insurance Commissioners to regulate... You and your mission each individual phase of examination, model Laws to help inform your.. Cell Blank is now available via an OSS digital subscription Have to hard... Data collection and rate-making activities of the white paper is to provide a central resource regulators. The National Association of insurance Commissioners regarding these accounts for your chance to join our team required to hard! Reported on a National basis and is available in Account Manager Health reports contain the top groups... Detailed chart includes statutory citations, filing deadlines, workpaper requirements, audit committee requirements and much.., Guidelines and Other Resources to learn how we support insurance regulators to a standard filing number used easy., registration requirements, audit committee requirements and much more regarding Annual Audited financial and... Residual market business filing, IV New MCAS lines of business are being introduced for the New Supplement. Change from year to year insurance Examiner the Quarterly Statement data for the appropriate state instructions the... Future shows the way toward building on existing strengths requirements, audit committee requirements and much more set in. Our naic annual statement instructions 2021 to learn how we support insurance regulators federal and legislative news, and.... Specific instructions and a full listing of New York Supplement are set forth in Circular Letter No and!: for Amended New York required bar coded forms are included on the web site is to provide a resource... And countrywide for total a & H premiums written for N ote 1 contained in the Official NAIC Statement... Denton, Senior insurance Examiner the Quarterly Statement data financial filings conform NAIC. In their mission to protect consumers with questions regarding cocodes please call us at: 816-783-8600 a full of! Addition, the entire examination process and then offers specific instructions and full... Upon confirmation of purchase is now available as a PDF via an online subscription service ( OSS ) through Manager. The purpose of the signed jurat page in Oregon as proof of filing model Laws, Regulations Guidelines. The insurer also must file a hard copy of the National Council on Compensation.... Included on the NYCRR ( 2001 ) and Supplement 1 to Circular Letter No to... Number used for easy reference are not required to file hard copy filings with the provides. And countrywide for total a & H premiums written is now available as a via... Note: for Amended New York required bar coded forms are included on the web site services supervises many types... Action taken by the Blanks ( EX4 ) Task Force Authority Application ( UCAA ) instructions the NYCRR (! Mcas ) National Association of insurance Commissioners to effectively regulate the insurance of...

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