Industry Battlecard
Insurance
HIPAA, state DOI rules, and NAIC Model Bulletin 2023-1 all apply. Carriers face both regulatory and class-action exposure.
Shadow AI risk
Underwriters and claims adjusters paste medical records, accident reports, and PHI into AI for faster decisions.
Common use cases
- · Claims triage
- · Underwriting summaries
- · Subrogation research
- · Policy language drafting
Compliance impact
HIPAA
NAIC Model Bulletin 2023-1
State DOI
Conversation starter
"NAIC Model Bulletin requires you to govern AI used in underwriting decisions. How are you tracking what your underwriters actually use day to day?"
Discovery questions
- ·Are you tracking AI usage by line of business?
- ·How do you prove non-discrimination in AI-assisted decisions?
- ·Who owns AI governance - IT, compliance, or the CUO?
Recommended collateral
- Insurance Battlecard
- NAIC Bulletin Response Kit