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Navigating the insurance regulatory landscape

Trends and insights shaping the industry’s future

The insurance regulatory environment is increasingly dynamic, presenting both challenges and opportunities to carriers. How can organizations navigate through ever-evolving regulatory changes while positioning themselves for growth? Explore our perspectives on the latest insurance trends, implications, and potential next steps for firms.

Key insurance trends

In today’s rapidly evolving insurance regulatory environment, organizations will want to do more than respond to changes. To get ahead of the curve, they need to proactively focus on emerging topics and be ready today for tomorrow. In our perspectives, you can explore key insurance regulatory changes, challenges, and opportunities that could potentially affect your business and influence your strategy. Shift your view from reactive to proactive.

Explore our library of insights and highlights of the National Association of Insurance Commissioners (NAIC) meetings.

Download our latest 2026 insurance regulatory outlook exploring key trends that your organization should track and address in 2026.

Insurance

January 2025

2025 insurance regulatory outlook
Insurers will likely encounter no shortage of challenges, heightened risk, and perhaps record-breaking loss events in the year ahead, events beyond the control of the White House or the state houses. Agile management of unexpected events will be required not only by boards but by regulators.

January 2024

2024 Insurance Regulatory Outlook
2024 arrives with solidifying attempts by insurance regulators to create robust frameworks during a time of multidimensional structural change in the industry.

NAIC update: 2024 Fall National Meeting
The National Association of Insurance Commissioners (NAIC) assembled just outside the mile-high city of Denver, Colorado, in November, in a meeting offering a clear and wide-ranging perspective on where state regulation has been—and where it is going.

NAIC update: 2024 Spring National Meeting
The National Association of Insurance Commissioners (NAIC) Spring National Meeting in Phoenix, Arizona, March 15–18 saw gears locking into place for the organization and state regulators on setting out their 2024 agenda and implementing it. Underpinning the forward motion was the mantra stated by NAIC President Andrew N. Mais: “Insurance can do well by doing good."

NAIC update: 2023 Fall National Meeting
The NAIC adopted its AI Model Bulletin at the final session of the meeting, December 4, less than six months after an initial draft was presented at the end of June.

2023 IAIS Global and Annual Meeting Review
The concept of insurance as foundational in addressing global social and economic challenges was brought into high relief during 2023’s meetings of the International Association of Insurance Supervisors (IAIS).

NAIC update: Summer National Meeting 2023
The National Association of Insurance Commissioners (NAIC) hosted its 2023 Summer National Meeting in Seattle, August 12–16, 2023.

NAIC update: International Insurance Forum Meeting in Washington, D.C.
The National Association of Insurance Commissioners (NAIC) International Insurance Forum held May 18–19 in Washington, DC, was the premier spot to both be and be seen in the US insurance regulatory realm this spring for those with a bent toward global supervisory topics of the day.

NAIC update: Spring Meeting 2023 in Louisville
The National Association of Insurance Commissioners (NAIC) gathered in Louisville during a gusty spring week during March madness, which had descended upon the city where no policy stances were settled for long before they were carried away by the winds of another approach or point of view.

2023 insurance regulatory outlook
Regulation of insurance companies has become an increasingly dynamic process, presenting both challenges and opportunities for organizations. While long-standing issues surrounding regulatory oversight of insurers and increasing requirements for compliance will remain, the year will also see the new consideration of development of high-level principles, guidance, and even regulation. Explore key trends that your organization should track and address in 2023.

Federal reserve proposes framework for insurance holding company supervision
On January 28, 2022, the Federal Reserve Board of Governors (FRB) issued draft guidance outlining a bespoke supervisory framework in its latest attempt to tailor the supervision of insurance holding companies and account for distinct business risks at these firms.

2022 insurance regulatory outlook
Throughout 2022, a regulatory challenge facing insurers will be balancing the ever-growing list of high-priority areas for governing agencies. On top of traditional focus areas like insurance group capital, the pandemic has accelerated the use of, and compliance requirements related to, digitization. Data security and consumer protection, climate and environmental impacts, digital assets, and the convergence of sector sales are also significant concerns.

NAIC update: Fall 2021
The National Association of Insurance Commissioners (NAIC) hosted its Fall 2021 National Meeting from the host city of San Diego, California, representing a second return to national in-person meetings, again with a hybrid virtual option. Building off the last National Meeting, climate risk and resiliency continue to be key focus areas, with accelerated underwriting gaining interest.

NAIC update: Summer 2021
The National Association of Insurance Commissioners (NAIC) successfully hosted its 2021 Summer Meeting in Columbus, Ohio, representing a return to in-person meetings, with a hybrid virtual option. During the National Meeting, the Executive (EX) Committee discussed the potential formation of a standing H committee to address issues concerning innovation, technology, and cybersecurity. The creation of a new standing committee would be a significant step in bringing focus to these issues.