NAIC Outlines 2026 Focus Areas: Emphasizing Disaster Preparedness and Responsible Technology Utilization
“At the NAIC, a deep bench of 56 members representing each U.S. state and five territories brings expert skills, backgrounds, and perspectives to today’s challenges and opportunities,” stated NAIC President and Virginia Insurance Commissioner Scott A. White. “For more than 150 years, our state-based system has led amid change. Our 2026 strategic priorities continue that tradition, reinforced, as always, by our fundamental commitment to working together to regulate the insurance industry and protect consumers.”
NAIC’s 2026 Strategic Priorities:
Enhancing Capital and Investment Frameworks: In a rapidly evolving marketplace and investment environment, state insurance regulators are dedicated to ensuring that providers fulfill their commitments to policyholders. The NAIC is moving towards finalizing, adopting, and guiding the implementation of a new investment and capital regime aimed at enhancing regulatory oversight. This initiative will ensure that proposed reforms are thoroughly vetted, balanced, feasible, and harmonized across states.
Enhancing Data Architecture, Predictive Analysis, and Market Analysis: As part of its 2026 agenda, the NAIC aims to strengthen its role as a data aggregator and analytics provider. This will involve developing capabilities for proactive regulatory oversight, risk identification, peer review, and policy insight. By deepening its analytical capabilities, the NAIC will be better positioned to monitor market trends and respond to emerging risks.
Increasing Resilience Through Regulation, Mitigation, and Public Partnership: With policyholders and insurers facing increasing risks from natural disasters, the NAIC is committed to closing protection gaps and enhancing preparedness and recovery efforts. This includes creating further guidance to promote resilience measures, offering regulatory guidance on catastrophe modeling, exposure assessments, stress testing, and climate disclosures. Additionally, the NAIC will coordinate with federal and state officials to bridge the gap between insurance and resilience strategies.
Leading on AI Model Governance, Innovation Oversight, and Cyber Threats: The state-based system is uniquely positioned to safeguard policyholders as emerging technologies introduce new opportunities and risks. The NAIC is focused on advancing frameworks to tackle cybersecurity threats and overseeing insurers’ use of technology and data. This includes piloting an artificial intelligence evaluation tool and expanding capacity and expertise through education and training. By doing so, the NAIC will empower state insurance regulators to foster responsible innovation in the industry.
“At the NAIC, a deep bench of 56 members representing each U.S. state and five territories brings expert skills, backgrounds, and perspectives to today’s challenges and opportunities,” stated NAIC President and Virginia Insurance Commissioner Scott A. White. “For more than 150 years, our state-based system has led amid change. Our 2026 strategic priorities continue that tradition, reinforced, as always, by our fundamental commitment to working together to regulate the insurance industry and protect consumers.”
NAIC’s 2026 Strategic Priorities:
Enhancing Capital and Investment Frameworks: In a rapidly evolving marketplace and investment environment, state insurance regulators are dedicated to ensuring that providers fulfill their commitments to policyholders. The NAIC is moving towards finalizing, adopting, and guiding the implementation of a new investment and capital regime aimed at enhancing regulatory oversight. This initiative will ensure that proposed reforms are thoroughly vetted, balanced, feasible, and harmonized across states.
Enhancing Data Architecture, Predictive Analysis, and Market Analysis: As part of its 2026 agenda, the NAIC aims to strengthen its role as a data aggregator and analytics provider. This will involve developing capabilities for proactive regulatory oversight, risk identification, peer review, and policy insight. By deepening its analytical capabilities, the NAIC will be better positioned to monitor market trends and respond to emerging risks.
Increasing Resilience Through Regulation, Mitigation, and Public Partnership: With policyholders and insurers facing increasing risks from natural disasters, the NAIC is committed to closing protection gaps and enhancing preparedness and recovery efforts. This includes creating further guidance to promote resilience measures, offering regulatory guidance on catastrophe modeling, exposure assessments, stress testing, and climate disclosures. Additionally, the NAIC will coordinate with federal and state officials to bridge the gap between insurance and resilience strategies.
Leading on AI Model Governance, Innovation Oversight, and Cyber Threats: The state-based system is uniquely positioned to safeguard policyholders as emerging technologies introduce new opportunities and risks. The NAIC is focused on advancing frameworks to tackle cybersecurity threats and overseeing insurers’ use of technology and data. This includes piloting an artificial intelligence evaluation tool and expanding capacity and expertise through education and training. By doing so, the NAIC will empower state insurance regulators to foster responsible innovation in the industry.
