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NAIC Adopts Artificial Intelligence Principles

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Members of the National Association of Insurance Commissioners (NAIC) have agreed unanimously to adopt an Artificial Intelligence Guiding Principles.

The NAIC’s AI Working Group based the document on a set of AI principles developed by the Organisation for Economic Co-operation and Development (OECD). The United States is one of the 42 countries that has adopted the OECD AI principles.


  • Links to NAIC Executive Committee resources, including a summer meeting material packet that includes a copy of the AI principles document, is available here.
  • An article about the AI principles draft is available here.

The NAIC is a Kansas City, Missouri-based group for the top insurance regulators in the states, the District of Columbia and U.S. territories.

At the NAIC, regulators and representatives for consumer groups have said careful oversight of AI-based systems is important, because of concerns that insurers or other entities could use AI systems to hide illegal forms of discrimination, such as race-based discrimination.

In the NAIC’s new set of AI principles, the NAIC says AI systems should be transparent, complaint with all relevant laws and regulations, and accountable for complying with the relevant laws and regulations.

“Data supporting the final outcome of an AI application should be retained and be able to be produced in accordance with applicable insurance laws and regulations in each jurisdiction,” according to the document text. “AI actors should be responsible for the creation, implementation and impacts of any AI system, even if the impacts are unintended.”

— Read Center Asks NAIC to Look for Racial Bias in Life Insurers’ Methodson ThinkAdvisor.

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