Grade your AI governance before an examiner does.

It is a free, 15-question self-assessment that grades your AI governance against the four pillars of the AI Systems Program the NAIC Model Bulletin expects: governance, risk management and controls, third-party oversight, and documentation and exam-readiness. You get a letter grade, a per-pillar readout, and a prioritized gap report. No email is required to see your results.

Each of the four AIS Program pillars is worth 25 points and holds three control questions. A control that is in place and documented earns full credit, one that is in progress earns half, and one that is missing or unknown earns none. Your overall score is the average of the four pillar scores, mapped to a letter grade from A+ to F. The four pillars are weighted equally so the result is transparent and defensible.

The NAIC Model Bulletin on the Use of Artificial Intelligence Systems by Insurers, adopted in December 2023, asks every insurer to maintain a written AI Systems Program, or AIS Program. It is the single artifact a department of insurance looks for first, and its strength is judged against the harm a given model could cause a consumer. The scorecard maps directly to its structure.

It is a standardized questionnaire that gives examiners a consistent way to review an insurer's AI governance during market-conduct examinations. As of 2026 it is being piloted by 12 states, with adoption expected at the 2026 Fall National Meeting. Because it standardizes what examiners ask for, the documentation and evidence the scorecard measures is exactly what the tool will test.

Yes. The bulletin applies to any insurer using AI in decisions that affect consumers, regardless of size or structure. Mutual and regional carriers often hold a governance advantage through policyholder-proximate boards and a strong human-in-the-loop culture, but that advantage is inherent, not automatic. A mutual that deploys AI without the governance tooling to document it forfeits the edge its structure gives it.

Your results render entirely in your browser, and no email is required to see them. We measure anonymous, aggregate funnel activity to understand how carriers use the tool. If you choose to have your gap report emailed to you, we use that email only to send the report and follow up.