US insurance rules, enforced on everything AI says.

Insurance in the US is regulated state by state. Each state's department of insurance licenses carriers and producers and polices how policies are sold and described. The NAIC writes model laws and regulations that most states adopt, which is why the same requirements show up from state to state with local variations. Recent model guidance also covers how insurers use AI.

For communications, the rules come down to a few things. A policy cannot be misrepresented in terms of what it covers, costs, or guarantees. Advertising for life, annuity, accident, and health products has to meet specific content and disclosure standards. Annuity recommendations have to be in the consumer's best interest. Claims communications have to be prompt and fair. And where an insurer uses AI to generate or assist those communications, state bulletins now expect governance, testing, and accountability for the output.

Rulepacks cover the regulations. Upload your own policies in Policy, and Anchor enforces them alongside the rulepack on the same message, with the same verdict.

AI-Draft

Composed {
“You are guaranteed approval, and your premium will never go up.“
}

Anchor Scan

Verdict:

Fix

Rule Cited:

NAIC Unfair Trade Practices Act (Model 880)

Safe output

Rewritten {
Coverage is subject to underwriting approval. For this policy, premiums are guaranteed level for the initial term of [X] years. After that, premiums can change. See your policy for details.
}

-> Activate the US Insurance rulepack in Policy.