2018 Insurance Department Resources Report2018 Insurance Department Resources Report Volume One...

2018 Insurance Department Resources Report

Volume One

2019

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2018 Insurance Department Resources Report

Volume One

Introduction Continued public interest in insurance regulation and

interest by the U.S. Congress has focused attention on the

activities and resources of state insurance departments. In

the past, state insurance departments have experienced

significant changes in available resources and considerable

enhancement of their ability to meet the challenges of

regulating an increasingly complex and competitive

industry.

This report is the 32nd in an annual series published by

the NAIC. It contains key statistics on the resources and

regulatory activities of the members of the NAIC, which

include the 50 states, the District of Columbia, American

Samoa, Guam, Northern Mariana Islands, Puerto Rico, and

the U.S. Virgin Islands. The data presented in this report

were obtained primarily through an extensive survey

completed by each of the departments.

Beginning with the 2010 edition, in order to provide the

NAIC membership with important information as soon as

possible, the report is released in two volumes. The second

volume primarily encompasses the premium data (such as

premium by line of business) not available at the time of

publishing the first volume.

The 2018 IDRR – Volume One is organized into five

key sections: Staffing; Budget and Funding; Examination

and Oversight; Insurance Producers; and Consumer

Services and Antifraud. Valuable statistics provided by

each jurisdiction include the number of departmental staff,

annual budgets, revenues collected, number of insurers and

producers, and the number of consumer complaints filed.

Unless otherwise indicated, the statistics presented are for

calendar year 2018.

Every effort has been made to compile the statistics on

a consistent basis. However, because of differences

between departments, this is not always possible. Where

known, these differences are explained in the Technical

Notes located at the end of the report. The efforts and

cooperation of the insurance commissioners and their

staffs in providing this information are greatly appreciated.

Please send any questions regarding this report to

[email protected]. Links to this report and other

NAIC reports can be found on the NAIC website at: NAIC

Publications.

OverviewOverall, insurance department full-time equivalent

staffing levels decreased 1.01% from the 2017 level.

Twenty-three departments increased staffing, and 18

decreased staff levels. The remaining departments either

stayed the same or did not have sufficient data to

determine the degree of change. The top five departments

based on staffing levels were Texas, California, Florida,

New York, and North Carolina. Insurance department

contractual staff (those hired for specific tasks but not

employees of the insurance departments) decreased by

3.07% from 2017 and was down by 3.40% since 2014.

Budget levels for fiscal year 2020 are expected to

increase by 1.62% from 2019 amounts and to increase by

8.60% since 2016. Total projected fiscal year 2020 budgets

are more than $1.5 billion. California reported the largest

2020 budget, which is $66.1 million greater than the

second-largest 2020 budget (New York). Thirty-six states

reported increased 2020 budget amounts from their 2019

reported budgets.

Revenues collected from the insurance industry

increased 4.88% from 2017 to $25.7 billion in 2018. Total

taxes collected increased by 4.45%.

The number of U.S. domestic insurers increased from

5,954 companies in 2017 to 5,965 companies in 2018. In

years prior to 2008, captives may be included in total

domestic insurer numbers. Captives are reported in the

second volume of the IDRR. The total number of company

examinations completed was 1,783. There were 207

liquidations in progress at year-end, as well as 36

rehabilitations in progress.

Licensed resident producers numbered nearly 2.2

million individuals and 228,393 entities. Non-resident

producers consisted of nearly 6.6 million individuals and

456,903 entities. Meanwhile, 5,598 fines and 1,582

restitutions were levied against insurance producers;

32,767 licenses were suspended; and 2,035 licenses were

revoked.

State insurance departments received 287,641 official

complaints and over 1.6 million inquiries. Forty-one states

had separate criminal fraud investigation units, and 55

jurisdictions had company and producer licensing

information available online.

© 2019 National Association of Insurance Commissioners

mailto:[email protected]

http://www.naic.org/prod_serv_alpha_listing.htm

http://www.naic.org/prod_serv_alpha_listing.htm

Table of Contents Volume One

Staffing Page 1

State Commissioners – 2018 ....................................................................................................................... 2 Total Insurance Department Staff 2014–2018 ............................................................................................ 3 Figure 1: Insurance Department Staff 2010–2018 ...................................................................................... 4 Figure 2: Insurance Department Staff Breakdown – 2018.......................................................................... 4 Insurance Department Staffing – By Position – 2018 ........................................................................... 5–13 Total Contractual/Intergovernmental Staff 2014 – 2018 .......................................................................... 14 Contractual/Intergovernmental Staff – By Position – 2018 ................................................................ 15–17 Insurance Department Salary Range – By Position – 2018 ................................................................ 18–26

Budget and Funding 27

Figure 3: Aggregate Insurance Department Budgets 2010–2019 ............................................................. 28 Figure 4: Annual Budget Growth Rates 2010–2019 ................................................................................. 28 Insurance Department Budgets – Fiscal Years 2016–2019 ...................................................................... 29 States in Descending Order of 2019 Budget ............................................................................................. 30 Funding and Expenses – 2018 .................................................................................................................. 31 Revenues – 2018 ....................................................................................................................................... 32

Examination and Oversight 33–34

Figure 5: Number of Domestic Insurers 2010–2018................................................................................. 35 Figure 6: Number of Domestic Insurers in 2018 ...................................................................................... 35 Number of Regulated Entities – 2018 ....................................................................................................... 36 Number of Domestic Insurers by Type – 2018 ......................................................................................... 37 Number of Licensed Foreign Insurers by Type – 2018 ............................................................................ 38 Financial and Market Conduct Exams Completed – 2018........................................................................ 39 Financial Exams – 2018 ............................................................................................................................ 40 Market Conduct Exams – 2018 ................................................................................................................. 41 Combined Financial/Market Conduct Exams – 2018 ............................................................................... 42 Market Actions – 2018 .............................................................................................................................. 43 Actions Taken Against Companies in 2018 .............................................................................................. 44 Formal Hearings – 2018 ............................................................................................................................ 45 Supervisions, Receiverships and Companies in Run-Off – 2018 ....................................................... 46–50

Insurance Producers 51

Licensed Producers – 2018 .................................................................................................................. 52-54 Actions against Producers – 2018 ........................................................................................................ 55-56


Table of Contents Volume One

(continued)

Consumer Services and Antifraud 57

Consumer Complaints/Inquiries – 2018 ................................................................................................... 58 Fraud Investigation – 2018........................................................................................................................ 59 Availability of Consumer Information – 2018 .......................................................................................... 60 Consumer Access to Insurance Departments – 2018 .......................................................................... 61–62 Insurance Department Titles – 2018 ......................................................................................................... 63

Technical Notes ................................................................................................................................... 64–76



2018 Insurance Department Resources Report 1

Staffing

State insurance departments are continually changing to

accommodate the varying size and nature of the insurance

industry. This requires a change in the makeup of the

insurance department staff, whose job is to regulate the

insurance industry.

Insurance Commissioner It is the job of the state insurance commissioner

(superintendent or director in some states) to oversee the

regulation of the insurance industry in his/her state. The

majority of insurance commissioners are appointed to their

positions. However, commissioners in 12 of the 56 states

and territories are elected to their positions by a vote of the

general public. These different approaches to selection

cause the length of a commissioner’s term to vary from

state to state, with many serving at the pleasure of the

governor.

The duties of the commissioner also differ between

states. In the majority of states, the insurance department is

a separate agency, allowing the commissioner to

concentrate solely on insurance regulation. In other states,

the commissioner’s responsibilities also include oversight

of other areas. Examples of other offices held by state

insurance commissioners include that of fire marshal, state

auditor and commissioner of securities.

Staff It is the job of each state’s insurance department to

ensure the solvency of insurance companies doing business

in the state, to license insurance producers, to assist

insurance consumers, and to protect both consumers and

companies from insurance fraud.

Ensuring the solvency of insurance companies is the

primary function of state insurance regulators. Solvency

monitoring systems, such as the Insurance Regulatory

Information System (IRIS) and risk-based capital (RBC),

are used to identify and prioritize companies for detailed

review, either through desk audits or financial

examinations. Insurance companies are generally audited

every three to five years, but evidence of potential

impairment can also trigger an audit.

Historically, a large portion of each insurance

department’s staff has been employed for solvency

monitoring and financial examinations.

Other important charges of state insurance departments

are the licensing of insurance producers and the regulation

of rates and policy forms. Each state sets its own licensing

requirements for companies, agents, brokers, etc., and has

the authority to revoke licenses for illegal or unethical

conduct. Each state also sets its own rate and policy form

filing requirements.

The task of assisting insurance consumers takes many

forms. Insurance department staff members answer

consumers’ questions, investigate complaints against

insurance agents and companies, and perform market

conduct examinations to ensure that insurance producers

and companies are dealing with consumers in a fair and

consistent manner.

As many companies contract services to use their

limited resources more efficiently, the state insurance

departments also use contract staff. The states also use the

services of employees from other state agencies. For

instance, some states do not have attorneys on staff;

instead, they use the services of their state’s attorney

general’s office. Insurance departments also use the

services of other state agencies in the areas of liquidations,

receiverships, and examinations, among others.

With the expansion of technology, the state insurance

regulators’ need for employees with technical expertise has

grown. The electronic communication link between on-site

examiners at insurance companies and internal insurance

department staff has greatly improved the efficiency of the

examination process. The ability for insurance department

staff to electronically access NAIC database information is

also a benefit for state regulators.

Staffing data were compiled as of Dec. 31, 2018. In

certain instances, employees of a department may perform

work in more than one of the categories listed. For

example, company examiners might perform both financial

and market conduct examinations in some states. When

such a situation occurs, an attempt is made to match the

amount of time the employee spends doing each function

and report it as such. Therefore, if half of an examiner’s

time is spent doing financial exams and the other half is

spent performing market conduct exams, it is recorded as

0.5 financial examiners and 0.5 market conduct examiners

in the relevant tables.


2 Staffing

Elected/

State Appointed Other State Offices Held

Alabama Appointed Ex officio member of AL Securities Commission

Alaska Appointed

American Samoa Appointed

Arizona Appointed

Arkansas Appointed

California Elected

Colorado Appointed

Connecticut Appointed

Delaware Elected

Dist. of Columbia Appointed

Florida Appointed

Georgia Elected State Fire Marshal, Industrial Loan Commissioner

Guam Appointed Banking Commissioner

Hawaii Appointed

Idaho Appointed

Illinois Appointed

Indiana Appointed

Iowa Appointed Securities Administrator

Kansas Elected Securities

Kentucky Appointed

Louisiana Elected

Maine Appointed

Maryland Appointed

Massachusetts Appointed

Michigan Appointed Banking, Credit Unions, Consumer Finance, and Consumer Services

Minnesota Appointed

Mississippi Elected State Fire Marshal

Missouri Appointed Financial Institutions and Professional Registration

Montana Elected Member of the State Land Board

Nebraska Appointed Chair, State Claims Board

Nevada Appointed

New Hampshire Appointed

New Jersey Appointed Commissioner of Banking & Real Estate Commission

New Mexico Appointed

New York Appointed Banking

North Carolina Elected State Fire Marshal

North Dakota Elected

N. Mariana Islands Appointed Secretary of the Department of Commerce, Director of Banking

Ohio Appointed

Oklahoma Elected

Oregon Appointed Administrator of the Division of Financial Regulation

Pennsylvania Appointed

Puerto Rico Appointed

Rhode Island Appointed Banking and Securities

South Carolina Appointed

South Dakota Appointed Securities

Tennessee Appointed State Fire Marshal, Securities, Professional Regulations

Texas Appointed

U.S. Virgin Islands Elected

Utah Appointed

Vermont Appointed Banking and Securities

Virginia Appointed

Washington Elected

West Virginia Appointed

Wisconsin Appointed

Wyoming Appointed

Table 1

State Commissioners - 2018



State

Alabama 168.25 166.25 164.50 156.00 152.50 10.33%

Alaska 44.00 42.00 43.00 40.00 54.00 -18.52%

American Samoa** 1.00 0.00 0.00 0.00 0.00 -

Arizona 78.50 78.25 80.25 84.25 87.75 -10.54%

Arkansas 168.00 160.00 169.00 217.00 218.00 -22.94%

California 1,412.50 1,415.00 1,392.00 1,410.00 1,391.00 1.55%

Colorado 95.00 92.00 92.50 92.50 99.00 -4.04%

Connecticut 148.00 148.00 147.00 148.00 150.00 -1.33%

Delaware 98.00 99.00 98.00 94.00 89.00 10.11%

Dist. of Columbia 85.00 84.50 85.50 83.00 82.00 3.66%

Florida 775.00 854.00 870.00 861.00 841.00 -7.85%

Georgia 191.00 220.00 225.00 221.00 234.00 -18.38%

Guam 7.00 8.00 9.00 8.00 8.00 -12.50%

Hawaii 101.00 101.00 97.00 95.00 95.00 6.32%

Idaho 75.50 76.50 73.50 73.50 73.50 2.72%

Illinois 262.00 221.00 248.00 258.00 249.00 5.22%

Indiana 87.00 87.00 88.00 88.00 92.00 -5.43%

Iowa 119.00 120.00 117.00 105.00 101.00 17.82%

Kansas 108.50 108.50 108.00 118.41 122.91 -11.72%

Kentucky 117.00 122.00 123.00 130.00 126.00 -7.14%

Louisiana 222.00 223.00 228.00 225.00 246.00 -9.76%

Maine 71.00 71.00 72.00 72.00 73.00 -2.74%

Maryland 205.00 204.00 200.00 236.00 241.00 -14.94%

Massachusetts 116.00 122.00 126.00 130.00 135.00 -14.07%

Michigan 179.31 174.08 168.38 167.91 167.36 7.14%

Minnesota 85.34 85.04 100.45 78.75 81.75 4.39%

Mississippi 97.00 95.00 95.00 94.00 96.00 1.04%

Missouri 209.00 224.00 240.00 234.00 229.00 -8.73%

Montana 77.50 77.50 75.20 76.20 77.30 0.26%

Nebraska 100.00 101.00 104.00 105.50 103.50 -3.38%

Nevada 87.00 87.00 87.00 86.00 85.00 2.35%

New Hampshire 82.00 82.00 82.00 82.00 78.00 5.13%

New Jersey 321.00 338.00 342.00 351.00 352.50 -8.94%

New Mexico 89.00 92.00 119.00 127.00 82.00 8.54%

New York 759.00 746.00 746.00 763.00 809.00 -6.18%

North Carolina 414.60 407.60 391.10 395.60 398.60 4.01%

North Dakota 46.00 46.00 49.50 49.50 49.50 -7.07%

N. Mariana Islands 3.00 3.00 3.00 0.00 0.00 -

Ohio 279.50 276.50 276.50 277.50 280.50 -0.36%

Oklahoma 123.00 117.00 117.00 119.00 116.00 6.03%

Oregon 98.94 94.44 94.00 93.50 98.00 0.96%

Pennsylvania 233.00 222.00 199.00 225.00 222.00 4.95%

Puerto Rico 82.00 89.00 98.00 99.00 102.00 -19.61%

Rhode Island 35.00 38.00 37.00 37.00 37.00 -5.41%

South Carolina 86.00 82.00 95.00 85.00 88.00 -2.27%

South Dakota 33.50 33.50 33.00 33.00 33.00 1.52%

Tennessee 122.00 119.00 119.00 127.00 133.00 -8.27%

Texas 1,464.20 1,459.20 1,525.50 1,525.75 1,716.45 -14.70%

U.S. Virgin Islands** 1.00 0.00 0.00 0.00 0.00 -

Utah 96.00 95.00 93.00 93.00 93.00 3.23%

Vermont 65.50 65.50 63.20 64.20 67.45 -2.89%

Virginia 189.00 199.00 192.00 192.00 197.00 -4.06%

Washington 247.00 245.50 243.50 240.00 230.50 7.16%

West Virginia 233.00 288.00 343.00 379.00 385.00 -39.48%

Wisconsin 132.40 132.25 132.25 132.25 132.25 0.11%

Wyoming 26.00 26.00 26.00 26.00 26.00 0.00%

Total 10,852.04 10,963.11 11,145.83 11,304.32 11,527.32 -5.86%

*Excludes contractual employees**For jurisdiction data not availabe at time of publication, a count of one was included in Other Personnel.

That is, the department's member of the NAIC.

2014-201820152017

Percent Change

2018 2016 2014

Table 2

Total Insurance Department Staff 2014-2018*


4 Staffing

Figure 1

Insurance Department Staff 2010-2018

Figure 2

Insurance Department Staff Breakdown - 2018Executive, 6.1% Administration, 7.2%

Legal, 6.0%

Actuarial, 11.6%

Financial Regulation, 17.3%Market Conduct

Regulation, 4.4%

Antifraud, 13.0%

Consumer Affairs, 12.7%

Licensing, 6.2%

Information Systems/Technical Services, 4.3%

All Other (including Commissioner), 11.2%

2010 2011 2012 2013 2014 2015 2016 2017 2018

Staff by Year 11,601 11,575 11,532 11,529 11,531 11,304 11,209 10,963 10,852

0

2,000

4,000

6,000

8,000

10,000

12,000

14,000

Full‐Time Equivalent Em

ploye

es



State

Alabama 12.00 1.50 0.50 1.50 5.00 4.00

Alaska 1.00 1.00 2.00 - 0.00 -

American Samoa - - - - - -

Arizona 6.00 0.50 0.50 0.00 2.00 0.00

Arkansas 5.00 1.00 0.00 1.00 11.00 3.00

California 47.00 4.00 4.00 20.00 111.00 59.00

Colorado 3.00 1.00 1.00 1.00 2.00 0.00

Connecticut 10.00 1.00 1.00 0.00 5.00 1.00

Delaware 1.00 2.00 1.00 2.00 2.00 3.00

Dist. of Columbia 5.00 3.00 0.00 2.00 4.00 5.00

Florida 13.00 2.00 3.00 7.00 20.00 8.00

Georgia 2.00 1.00 1.00 2.00 4.00 2.00

Guam 0.00 0.00 0.00 0.00 0.00 0.00

Hawaii 10.00 1.00 0.00 2.00 5.00 1.00

Idaho 4.00 0.50 1.00 2.00 0.00 0.00

Illinois 16.00 1.00 3.00 6.00 11.00 2.00

Indiana 5.00 1.00 0.00 1.00 6.00 2.00

Iowa 3.00 0.00 1.00 1.00 5.00 1.00

Kansas 10.00 0.00 0.50 4.00 5.00 3.50

Kentucky 7.00 0.00 1.00 2.00 6.00 1.00

Louisiana 11.00 3.00 2.00 4.00 9.00 2.00

Maine 1.00 1.00 0.00 1.00 7.00 0.00

Maryland 9.00 4.00 1.00 3.00 9.00 4.00

Massachusetts 4.00 0.00 0.00 1.00 10.00 3.00

Michigan 6.00 0.50 2.00 2.00 6.24 3.60

Minnesota 2.00 1.00 2.00 1.00 3.00 0.50

Mississippi 9.00 1.00 1.00 4.00 3.00 2.00

Missouri 1.00 3.00 1.00 2.00 13.00 2.00

Montana 2.00 1.00 2.00 1.00 8.00 3.00

Nebraska 0.00 1.00 0.00 0.00 5.00 1.00

Nevada 3.00 1.00 1.00 3.00 4.00 7.00

New Hampshire 3.00 2.00 2.00 2.00 4.00 3.00

New Jersey 10.00 8.00 2.00 11.00 6.00 3.00

New Mexico 2.00 0.00 0.00 2.00 8.00 5.00

New York 2.00 2.00 2.00 10.00 28.00 9.00

North Carolina 10.00 1.00 0.00 2.00 3.50 3.00

North Dakota 1.00 1.00 0.00 1.00 4.00 1.00

N. Mariana Islands 0.00 0.00 0.00 0.00 0.00 0.00

Ohio 14.00 3.00 4.00 3.00 10.00 2.00

Oklahoma 12.00 4.00 0.00 2.00 7.00 2.00

Oregon 1.50 0.00 6.00 2.50 1.00 -

Pennsylvania 20.00 3.00 4.00 2.00 10.00 4.00

Puerto Rico 4.00 0.00 2.00 5.00 5.00 0.00

Rhode Island 0.00 0.00 0.00 0.00 1.00 0.00

South Carolina 6.00 1.00 1.00 1.00 3.00 1.00

South Dakota 3.50 0.00 0.00 1.00 4.00 1.00

Tennessee 3.00 2.00 1.00 5.00 8.00 3.00

Texas 13.00 4.00 6.00 11.00 60.05 4.00

U.S. Virgin Islands - - - - - -

Utah 9.00 1.00 0.00 1.00 1.00 0.00

Vermont 2.00 0.00 0.00 2.00 0.00 0.00

Virginia 12.00 0.00 6.00 3.00 6.00 0.00

Washington 10.00 5.00 8.00 11.00 6.00 4.00

West Virginia 2.00 0.00 0.00 1.00 9.00 10.00

Wisconsin 4.75 0.00 4.90 1.00 5.00 1.00

Wyoming 1.00 0.00 0.00 0.00 1.00 1.00

Total 353.75 75.00 81.40 156.00 471.79 180.60

Table 3

Insurance Department Staffing - By Position - 2018Executive Legal

Deputy/Assistant

Commissioners Media Public Policy Support Staff Lawyers Support Staff


6 Staffing

State

Alabama 2.50 2.00 3.75 1.00 1.50 -

Alaska 2.00 - - 1.00 6.00 -


Arizona 2.00 0.00 2.00 2.00 0.00 0.00

Arkansas 2.00 3.00 0.00 0.00 0.00 41.00

California 27.00 27.00 14.00 10.00 34.00 8.00

Colorado 1.00 0.00 3.00 0.00 0.00 0.00

Connecticut 1.00 1.00 6.00 0.00 0.00 0.00

Delaware 2.00 3.00 1.00 4.00 0.00 3.00

Dist. of Columbia 2.00 3.00 0.00 0.00 5.00 0.00

Florida 1.00 1.00 - - - 2.00

Georgia 2.00 1.00 - 1.00 - -

Guam 0.00 0.00 0.00 0.00 0.00 0.00

Hawaii 0.00 0.00 3.00 0.00 2.00 0.00

Idaho 2.00 0.50 1.00 2.50 0.50 2.50

Illinois 4.00 6.00 9.00 3.00 0.00 0.00

Indiana 0.00 0.00 2.00 1.00 1.00 2.00

Iowa 1.00 1.00 0.00 0.00 2.00 4.00

Kansas 0.50 1.50 0.00 4.50 2.50 0.00

Kentucky 1.00 1.00 0.00 0.00 6.00 1.00

Louisiana 11.00 2.00 0.00 4.00 14.00 1.00

Maine 1.00 0.00 0.00 1.00 0.00 3.00

Maryland 6.00 4.00 0.00 0.00 0.00 1.00

Massachusetts 2.00 0.00 0.00 2.00 4.00 0.00

Michigan 1.04 0.52 1.04 1.04 4.16 1.04

Minnesota 0.40 0.60 0.70 0.00 0.00 0.00

Mississippi 2.00 1.00 1.00 4.00 0.00 3.00

Missouri 4.00 2.00 10.00 0.00 4.00 0.00

Montana 1.00 1.00 0.00 0.00 1.00 4.00

Nebraska 3.00 1.00 0.00 0.00 0.00 4.00

Nevada 1.00 0.00 0.00 0.00 0.00 6.00

New Hampshire 2.00 2.00 4.00 2.00 - 1.00

New Jersey 5.00 8.00 1.00 2.00 14.00 1.00

New Mexico 4.00 0.00 5.00 4.00 1.00 1.00

New York 2.00 16.00 10.00 5.00 9.00 4.00

North Carolina 5.00 5.00 6.00 0.00 10.00 4.00

North Dakota 0.50 0.25 1.25 0.00 0.00 2.00


Ohio 4.00 3.00 0.00 3.00 0.00 3.00

Oklahoma 3.00 1.00 1.00 2.00 5.00 5.00

Oregon 0.00 0.00 0.00 0.00 0.00 -

Pennsylvania 2.00 0.00 2.00 2.00 4.00 0.00

Puerto Rico 2.00 2.00 0.00 1.00 3.00 4.00

Rhode Island 0.00 0.00 0.00 0.00 0.00 0.00

South Carolina 4.00 1.00 2.00 2.00 2.00 2.00

South Dakota 0.00 0.00 0.00 1.00 2.00 0.00

Tennessee 0.00 0.00 0.00 0.00 0.00 0.00

Texas 6.00 18.00 4.00 4.00 57.50 2.00


Utah 0.00 0.00 0.00 3.00 2.00 0.00

Vermont 0.00 0.00 0.25 0.00 0.00 2.00

Virginia 2.00 0.00 2.00 1.00 0.00 0.00

Washington 7.00 3.00 5.00 0.00 8.00 -

West Virginia 2.00 5.00 2.00 11.00 1.00 2.00

Wisconsin 0.00 0.00 5.00 0.00 0.00 0.00

Wyoming 0.00 1.00 0.00 0.00 1.00 -

Total 135.94 128.37 107.99 85.04 207.16 119.54

AdministrativeResources

Business

Office Revenue

Table 3 (continued)

Insurance Department Staffing - By Position - 2018

Support Staff

Administration

Supervisory

Staff

Human Other



State

Alabama 0.00 1.00 1.00 3.50 3.00 1.00

Alaska 2.00 1.00 1.00 3.00 5.00 -


Arizona 2.00 0.50 0.00 5.50 1.50 2.00

Arkansas 1.00 0.00 0.00 3.00 5.00 2.00

California 1.00 24.00 14.00 0.00 77.00 9.00

Colorado 3.00 4.00 2.00 8.00 5.00 0.00

Connecticut 3.00 5.00 3.00 5.00 6.00 2.00

Delaware 0.00 0.00 0.00 2.00 2.00 1.00

Dist. of Columbia 3.00 3.00 2.00 4.00 1.00 0.00

Florida 16.00 4.00 7.00 14.00 31.00 5.00

Georgia 2.00 1.00 1.00 1.00 1.00 1.00

Guam 0.00 0.00 0.00 0.50 0.50 0.00

Hawaii 0.00 1.00 1.00 10.00 5.00 2.00

Idaho 1.00 1.00 0.00 1.00 0.00 2.00

Illinois 8.00 7.00 2.00 10.00 6.00 1.00

Indiana 2.00 2.00 1.00 4.00 4.00 1.00

Iowa 3.00 1.00 2.00 1.00 1.00 1.00

Kansas 2.00 1.00 0.00 6.00 9.00 2.00

Kentucky 6.00 0.00 0.00 5.00 5.00 7.00

Louisiana 9.00 2.00 2.00 12.00 18.00 5.00

Maine 1.00 1.00 1.00 6.00 2.00 0.00

Maryland 3.00 1.00 2.00 12.00 4.00 1.00

Massachusetts 2.00 1.00 4.00 2.00 6.00 0.00

Michigan 2.00 0.00 0.00 8.00 8.00 2.00

Minnesota 1.00 3.00 1.00 7.00 3.00 -

Mississippi 3.00 0.00 0.00 3.00 4.00 6.00

Missouri 2.00 3.00 1.00 9.00 7.00 1.00

Montana 2.00 1.50 1.00 3.00 2.00 1.50

Nebraska 3.00 3.00 1.00 2.00 3.00 1.00

Nevada 5.00 1.00 1.00 3.00 3.00 3.00

New Hampshire 3.00 1.00 1.00 4.00 4.00 1.00

New Jersey 3.00 3.00 4.00 10.00 11.00 3.00

New Mexico 4.00 1.00 2.00 4.00 1.00 0.00

New York 7.00 31.00 17.00 37.00 35.00 4.00

North Carolina 7.00 3.00 4.00 11.00 5.00 4.00

North Dakota 1.00 1.00 1.00 3.00 1.00 0.00


Ohio 7.00 9.00 4.00 14.00 7.00 3.00

Oklahoma 4.00 1.00 0.00 1.00 4.00 1.00

Oregon 0.94 3.00 2.00 7.00 3.00 4.50

Pennsylvania 2.00 9.00 5.00 5.00 2.00 0.00

Puerto Rico 2.00 1.00 2.00 0.00 2.00 2.00

Rhode Island 0.50 0.00 0.00 1.00 1.00 1.00

South Carolina 2.00 2.00 2.00 2.00 4.00 0.50

South Dakota 0.00 1.00 0.00 2.00 1.50 0.00

Tennessee 3.00 0.00 0.00 3.00 5.00 3.00

Texas 3.00 18.00 10.75 42.50 28.00 5.00


Utah 2.00 2.00 0.00 8.00 2.00 2.00

Vermont 3.00 0.00 0.00 4.00 4.00 0.00

Virginia 7.00 1.00 0.00 13.00 16.00 1.00

Washington 4.00 5.00 2.00 15.00 6.00 3.00

West Virginia 3.00 0.00 1.00 5.00 4.00 1.00

Wisconsin 1.00 0.00 0.00 2.00 2.00 1.00

Wyoming 1.00 0.00 0.00 2.00 2.00 1.00

Total 158.44 165.00 108.75 349.00 378.50 100.50

Table 3 (continued)

Insurance Department Staffing - By Position - 2018Actuarial

Supervisory Rate/Form

Support Staff

Rate/Form

Staff Actuaries - L/H Actuaries - P/C Analysts - L/H Analysts - P/C


8 Staffing

State

Alabama 2.70 12.00 6.45 6.00 0.00 0.55 3.00

Alaska 1.00 4.00 0.00 0.00 0.00 0.00 1.00

American Samoa - - - - - - -

Arizona 5.00 0.00 6.00 1.00 2.00 1.00 3.00

Arkansas 5.00 12.00 7.00 0.00 0.00 0.00 5.00

California 25.00 7.00 72.00 0.00 0.00 0.00 9.00

Colorado 2.00 9.00 7.00 0.00 0.00 0.00 1.00

Connecticut 14.00 19.00 16.00 1.00 0.00 2.00 3.00

Delaware 8.00 0.00 10.00 0.00 0.00 5.00 4.00

Dist. of Columbia 2.00 2.00 3.00 0.00 0.00 6.00 0.00

Florida 28.00 17.00 60.00 1.00 0.00 0.00 6.00

Georgia 1.00 1.00 5.00 0.00 0.00 3.00 1.00

Guam 1.00 1.00 1.00 0.00 0.00 0.00 0.00

Hawaii 2.00 1.00 10.00 0.00 0.00 14.00 3.00

Idaho 2.00 2.00 2.00 0.00 0.00 0.00 2.00

Illinois 11.00 43.00 16.00 0.00 0.00 0.00 5.00

Indiana 4.00 0.00 7.00 0.00 0.00 0.00 1.00

Iowa 3.00 17.00 21.00 0.00 0.00 0.00 1.00

Kansas 2.00 8.00 9.00 0.00 0.00 1.00 0.00

Kentucky 2.00 0.00 0.00 0.00 0.00 1.00 2.00

Louisiana 6.00 6.00 15.00 0.00 0.00 0.00 1.00

Maine 8.00 6.00 2.00 0.00 0.00 2.00 0.00

Maryland 9.00 8.00 5.00 0.00 0.00 0.00 1.00

Massachusetts 10.00 6.00 7.00 0.00 0.00 0.00 1.00

Michigan 18.00 13.00 14.00 1.00 0.00 2.00 4.00

Minnesota 2.00 1.00 7.00 0.00 0.00 0.00 2.00

Mississippi 1.50 0.00 8.00 0.00 0.00 0.00 1.00

Missouri 5.00 40.00 12.00 2.00 0.00 1.00 2.00

Montana 1.00 3.00 0.00 0.00 0.00 5.00 2.50

Nebraska 11.00 10.50 10.00 0.00 0.00 3.00 2.00

Nevada 3.00 4.00 4.00 0.00 0.00 0.00 4.00

New Hampshire 1.00 4.00 6.00 - - - -

New Jersey 6.00 6.00 25.00 1.00 0.00 1.00 8.00

New Mexico 2.00 2.00 0.00 0.00 0.00 0.00 1.00

New York 17.00 99.00 123.00 0.00 0.00 0.00 26.00

North Carolina 15.00 15.60 13.00 2.00 0.00 9.00 6.00

North Dakota 1.00 1.00 3.00 0.00 0.00 0.00 0.00

N. Mariana Islands 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Ohio 18.00 14.00 17.00 1.00 0.00 3.00 2.00

Oklahoma 2.00 0.00 13.00 0.00 0.00 1.00 1.00

Oregon 1.00 6.00 7.00 0.00 0.00 1.00 3.00

Pennsylvania 11.00 23.00 19.00 0.00 0.00 0.00 3.00

Puerto Rico 4.00 10.00 6.00 0.00 0.00 0.00 3.00

Rhode Island 1.50 6.00 6.00 0.00 0.00 0.00 0.50

South Carolina 4.00 5.00 3.00 0.00 0.00 6.00 1.50

South Dakota 1.00 0.00 3.00 0.00 0.00 0.00 0.00

Tennessee 3.00 15.00 17.00 1.00 0.00 6.00 10.00

Texas 4.00 51.00 41.65 11.50 0.00 0.00 5.00

U.S. Virgin Islands - - - - - - -

Utah 3.00 7.00 5.00 0.00 0.00 7.00 1.00

Vermont 3.00 4.00 1.00 0.00 0.00 28.00 0.00

Virginia 7.00 9.00 10.00 0.00 0.00 0.00 2.00

Washington 8.00 15.00 6.00 0.00 0.00 0.00 2.00

West Virginia 2.00 5.00 5.00 0.00 0.00 0.00 1.00

Wisconsin 7.00 22.00 22.00 0.00 0.00 0.00 3.00

Wyoming 1.00 3.00 1.00 0.00 0.00 0.00 0.00

Total 317.70 575.10 695.10 28.50 2.00 108.55 149.50

Table 3 (continued)


Supervisory Financial Financial Receivership Guaranty Captive/Spec

Financial Regulation

Fund Insurance Support StaffStaff Examiners Analysts Personnel



State

Alabama 0.00 2.00 2.00 0.55 -

Alaska - - - - -

American Samoa - - - - -

Arizona 1.00 0.00 2.00 0.00 0.00

Arkansas 0.00 0.00 0.00 0.00 0.00

California 5.00 30.50 1.00 0.00 3.00

Colorado 1.00 4.00 1.00 0.00 0.00

Connecticut 2.00 7.00 1.00 0.00 1.00

Delaware 1.00 2.00 0.00 0.00 1.00

Dist. of Columbia 0.50 0.00 1.00 0.00 0.00

Florida 5.00 0.00 10.00 0.00 2.00

Georgia 1.00 2.00 0.00 0.00 -

Guam 0.00 1.00 0.00 0.00 0.00

Hawaii 0.00 2.00 1.00 0.00 0.00

Idaho 0.00 0.00 2.00 0.00 0.00

Illinois 1.00 13.00 3.00 0.00 1.00

Indiana 0.00 1.00 0.00 0.00 0.00

Iowa 0.00 0.00 1.00 0.00 0.00

Kansas 1.00 1.00 1.00 0.00 0.00

Kentucky 1.00 0.00 5.00 0.00 1.00

Louisiana 1.00 0.00 3.00 0.00 0.00

Maine 1.00 1.00 0.00 0.00 0.00

Maryland 6.00 7.00 2.00 0.00 1.00

Massachusetts 1.00 0.00 1.00 2.00 0.00

Michigan 3.00 6.00 7.00 3.00 0.00

Minnesota 1.00 1.00 0.00 0.00 0.00

Mississippi 0.50 0.00 0.00 0.00 0.00

Missouri 4.00 25.00 0.00 0.00 2.00

Montana 0.50 1.00 1.00 0.00 0.00

Nebraska 1.00 4.00 1.00 0.00 0.00

Nevada 1.00 1.00 0.00 0.00 1.00

New Hampshire 1.00 5.00 4.00 - -

New Jersey 1.00 3.00 7.00 0.00 0.00

New Mexico 1.00 0.00 0.00 2.00 0.00

New York 3.00 35.00 23.00 0.00 13.00

North Carolina 3.00 10.00 5.00 0.00 1.00

North Dakota 0.00 0.00 0.00 0.00 0.00

N. Mariana Islands 0.00 0.00 0.00 0.00 0.00

Ohio 4.00 5.00 4.00 0.00 0.00

Oklahoma 1.00 0.00 2.00 0.00 0.00

Oregon 0.50 3.00 3.00 0.00 1.50

Pennsylvania 2.00 10.00 3.00 0.00 0.00

Puerto Rico 1.00 1.00 2.00 0.00 1.00

Rhode Island 0.50 3.00 0.00 0.00 0.50

South Carolina 0.00 0.00 1.00 0.00 0.00

South Dakota 0.00 1.00 0.00 0.00 1.00

Tennessee 0.00 1.00 0.00 0.00 0.00

Texas 1.00 7.00 0.00 15.50 1.00

U.S. Virgin Islands - - - - -

Utah 0.00 7.00 1.00 0.00 1.00

Vermont 1.00 2.00 0.00 0.00 1.00

Virginia 5.00 0.00 17.00 0.00 1.00

Washington 3.00 8.00 3.00 0.00 1.00

West Virginia 1.00 4.00 1.00 0.00 1.00

Wisconsin 3.00 4.00 1.00 1.00 -

Wyoming 1.00 0.00 0.00 0.00 0.00

Total 72.50 220.50 123.00 24.05 37.00

Table 3 (continued)


Supervisory Market Conduct Market Conduct Managed Care

Support Staff

Market Conduct Regulation

Staff Examiners Analysts Org. Oversight


10 Staffing

State

Alabama 0.00 5.00 2.00 0.00 2.00

Alaska 1.00 3.00 - - -


Arizona 1.00 6.00 0.00 2.00 1.00

Arkansas 1.00 6.00 0.00 0.00 2.00

California 81.00 186.00 70.00 0.00 99.00

Colorado 0.75 0.00 7.00 0.00 1.00

Connecticut 1.00 0.00 0.00 5.00 0.00

Delaware 3.00 0.00 7.00 0.00 2.00

Dist. of Columbia 2.00 0.00 6.00 0.00 0.00

Florida 60.00 195.00 0.00 74.00 0.00

Georgia 1.00 9.00 - - 1.00

Guam 0.00 0.00 0.00 0.00 0.00

Hawaii 2.00 5.00 0.00 0.00 1.00

Idaho 2.00 6.00 1.00 0.00 0.00

Illinois 4.00 0.00 5.00 8.00 2.00

Indiana 3.00 1.00 0.00 6.00 1.00

Iowa 1.00 3.00 0.00 0.00 1.00

Kansas 0.50 2.00 0.00 0.00 0.50

Kentucky 4.00 9.00 0.00 0.00 2.00

Louisiana 3.00 0.00 4.00 5.00 2.00

Maine 0.00 0.00 0.00 0.00 0.00

Maryland 4.00 4.00 1.00 10.00 4.00

Massachusetts 2.00 0.00 6.00 2.00 1.00

Michigan 1.00 0.00 2.00 0.00 2.00

Minnesota 6.00 13.00 9.00 0.00 0.50

Mississippi 1.00 0.00 3.00 0.00 2.00

Missouri 1.00 0.00 10.00 0.00 1.00

Montana 0.00 4.00 0.00 0.00 0.00

Nebraska 1.00 3.00 0.00 0.00 1.00

Nevada 1.00 0.00 4.00 0.00 0.00

New Hampshire 2.00 3.00 0.00 2.00 1.00

New Jersey 16.00 0.00 53.00 7.00 8.00

New Mexico 3.00 4.00 0.00 2.00 1.00

New York 2.00 41.00 5.00 0.00 3.00

North Carolina 2.00 33.00 0.00 0.00 1.00

North Dakota 0.00 0.00 2.00 0.00 0.00


Ohio 4.00 5.50 9.50 0.00 2.00

Oklahoma 1.00 5.00 0.00 0.00 1.00

Oregon 0.50 0.00 3.00 1.50 0.50

Pennsylvania 3.00 0.00 7.00 0.00 1.00

Puerto Rico 0.00 0.00 0.00 0.00 0.00

Rhode Island 0.00 0.00 0.00 0.00 0.00

South Carolina 1.00 0.00 0.00 2.00 0.00

South Dakota 0.00 0.00 0.00 2.00 0.00

Tennessee 0.00 0.00 0.00 0.00 0.00

Texas 6.00 28.00 6.75 5.00 8.00


Utah 3.00 9.00 0.00 0.00 3.00

Vermont 0.00 0.00 0.00 0.00 0.00

Virginia 4.00 0.00 0.00 16.00 0.00

Washington 4.00 4.00 7.00 0.00 2.00

West Virginia 8.00 15.00 7.00 0.00 12.00

Wisconsin 0.00 0.00 0.00 0.00 0.00

Wyoming 0.00 0.00 0.00 0.00 0.00

Total 247.75 607.50 237.25 149.50 172.50

Table 3 (continued)

Insurance Department Staffing - By Position - 2018Antifraud/Enforcement

Supervisory Criminal Fraud Civil Fraud Enforcement

Personnel Support StaffStaff Investigators Investigators



State

Alabama 1.00 8.00 0.00 3.00 0.00 0.00 0.25

Alaska 1.00 2.00 - - - - -


Arizona 2.00 0.00 0.00 7.00 0.00 1.00 1.00

Arkansas 2.00 11.00 0.00 0.00 2.00 0.00 6.00

California 15.00 73.00 0.00 28.00 2.00 0.00 10.00

Colorado 3.00 12.00 0.00 0.00 5.00 0.00 3.00

Connecticut 2.00 9.00 0.00 0.00 0.00 0.00 3.00

Delaware 6.00 8.00 0.00 0.00 2.00 0.00 2.00

Dist. of Columbia 1.50 6.00 1.00 0.00 0.00 0.00 0.00

Florida 7.00 50.00 5.00 40.00 0.00 0.00 8.00

Georgia 2.00 13.00 0.00 - 0.00 0.00 2.00

Guam 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Hawaii 0.00 5.00 0.00 2.00 0.00 0.00 1.00

Idaho 2.00 6.00 0.00 0.00 9.00 0.00 1.00

Illinois 4.00 19.00 8.00 3.00 0.00 0.00 6.00

Indiana 2.00 0.00 0.00 5.00 2.00 0.00 1.00

Iowa 1.00 6.00 1.00 0.00 8.00 1.00 1.00

Kansas 2.00 11.00 0.00 0.00 0.00 0.00 4.00

Kentucky 4.00 9.00 1.00 0.00 0.00 0.00 3.00

Louisiana 4.00 14.00 4.00 0.00 3.00 0.00 2.00

Maine 3.00 7.00 1.00 2.00 0.00 1.00 0.00

Maryland 9.00 24.00 0.00 4.00 0.00 4.00 11.00

Massachusetts 2.00 4.00 0.00 0.00 0.00 0.00 1.00

Michigan 3.00 17.00 0.00 5.10 0.00 4.00 1.03

Minnesota 1.00 7.00 0.00 0.00 0.00 0.00 0.00

Mississippi 5.00 6.00 0.00 0.00 0.00 0.00 3.00

Missouri 2.00 19.00 0.00 0.00 0.00 0.00 2.00

Montana 1.00 9.00 0.00 0.00 0.00 0.00 0.00

Nebraska 2.00 6.00 0.00 0.00 3.00 0.00 2.00

Nevada 1.00 6.00 0.00 0.00 0.00 0.00 1.00

New Hampshire 1.00 3.00 - 2.00 - - 1.00

New Jersey 7.00 19.00 0.00 5.00 0.00 2.00 4.00

New Mexico 1.00 0.00 2.00 0.00 0.00 0.00 0.00

New York 3.00 63.00 5.00 0.00 0.00 1.00 10.00

North Carolina 10.00 20.00 0.00 0.00 19.00 3.00 5.00

North Dakota 1.00 2.00 0.00 1.00 2.00 0.00 0.00


Ohio 8.00 21.00 0.00 0.00 15.00 0.00 3.00

Oklahoma 1.00 5.00 4.00 0.00 4.00 0.00 2.00

Oregon 1.00 10.50 0.00 4.00 0.00 0.00 2.00

Pennsylvania 3.00 12.00 0.00 0.00 0.00 0.00 4.00

Puerto Rico 2.00 4.00 0.00 2.00 0.00 0.00 2.00

Rhode Island 0.50 3.00 0.00 0.00 0.00 0.00 1.00

South Carolina 2.00 0.00 5.00 0.00 0.00 0.00 2.00

South Dakota 0.00 3.50 0.00 0.00 0.00 0.00 1.00

Tennessee 2.00 10.00 0.00 0.00 0.00 0.00 3.00

Texas 20.00 51.25 0.00 154.00 0.00 0.00 3.00


Utah 0.00 5.00 0.00 0.00 0.00 0.00 0.00

Vermont 1.00 3.00 0.00 0.00 0.00 0.00 0.00

Virginia 5.00 12.00 2.00 0.00 0.00 1.00 6.00

Washington 8.00 0.00 15.00 0.00 9.00 - 9.00

West Virginia 5.00 1.00 1.00 9.00 0.00 2.00 3.00

Wisconsin 1.00 6.50 6.50 0.00 0.00 0.00 -

Wyoming 0.00 2.00 0.00 0.00 0.00 0.00 1.00

Total 173.00 623.75 61.50 276.10 85.00 20.00 137.28

Table 3 (continued)


Supervisory Complaint Consumer Assistance Senior Health Healthcare

Consumer Affairs

Ins. Program Appeals Support StaffStaff Investigators Advocates Personnel


12 Staffing

State

Alabama 2.00 7.00 0.75 4.00 5.00

Alaska 2.00 3.00 - - -


Arizona 2.00 3.00 0.00 1.00 1.00

Arkansas 2.00 6.00 0.00 4.00 0.00

California 9.00 48.00 7.00 0.00 5.00

Colorado 0.25 1.00 1.00 0.00 0.00

Connecticut 1.00 5.00 0.00 0.00 0.00

Delaware 1.00 4.00 0.00 0.00 0.00

Dist. of Columbia 1.00 3.00 1.00 0.00 0.00

Florida 4.00 36.00 0.00 0.00 0.00

Georgia 1.00 1.00 3.00 - 1.00

Guam 0.00 0.50 0.50 0.00 0.00

Hawaii 0.00 7.00 0.00 0.00 1.00

Idaho 1.00 5.00 0.00 0.00 0.00

Illinois 6.00 3.00 3.00 2.00 0.00

Indiana 1.00 6.00 5.00 1.00 0.00

Iowa 1.00 5.00 0.00 0.00 0.00

Kansas 1.00 4.00 1.00 2.00 0.00

Kentucky 3.00 1.00 0.00 2.00 7.00

Louisiana 4.00 9.00 5.00 1.00 9.00

Maine 1.00 4.00 2.00 0.00 0.00

Maryland 4.00 4.00 3.00 0.00 0.00

Massachusetts 2.00 4.00 0.00 0.00 0.00

Michigan 4.00 16.00 1.00 0.00 2.00

Minnesota 1.00 2.00 2.00 1.80 0.84

Mississippi 2.00 0.00 0.00 0.00 7.00

Missouri 1.00 7.00 4.00 0.00 0.00

Montana 0.50 5.00 0.00 0.00 0.00

Nebraska 1.00 3.50 0.00 0.00 0.00

Nevada 3.00 5.00 0.00 0.00 0.00

New Hampshire 1.00 2.00 1.00 - -

New Jersey 3.00 3.00 0.00 8.00 0.00

New Mexico 2.00 4.00 3.00 0.00 3.00

New York 3.00 9.00 1.00 0.00 6.00

North Carolina 6.00 10.00 0.00 1.00 1.00

North Dakota 1.00 3.00 0.00 0.00 0.00


Ohio 4.00 3.00 2.00 6.00 0.50

Oklahoma 6.00 6.00 0.00 7.00 2.00

Oregon 0.50 7.00 0.00 1.00 -

Pennsylvania 3.00 4.00 3.00 0.00 7.00

Puerto Rico 0.00 3.00 0.00 0.00 0.00

Rhode Island 0.00 3.00 2.00 0.00 0.00

South Carolina 2.00 6.00 0.00 1.00 0.00

South Dakota 0.00 2.00 1.00 0.00 0.00

Tennessee 3.00 11.00 2.00 0.00 1.00

Texas 5.00 48.00 17.00 0.00 1.00


Utah 0.00 5.00 2.00 0.00 0.00

Vermont 0.00 3.00 0.00 0.00 0.00

Virginia 2.00 7.00 6.00 0.00 0.00

Washington 5.00 4.00 3.00 4.00 1.00

West Virginia 1.00 4.00 0.00 0.00 0.00

Wisconsin 1.25 5.00 3.00 0.00 0.00

Wyoming 1.00 2.00 0.00 0.00 0.00

Total 112.50 362.00 85.25 47.80 61.34

Table 3 (continued)


Supervisory Producer Company Other

Licensing Licensing Support StaffStaff Licensing

Licensing



State

Alabama 3.00 4.00 3.25 0.75 0.25 37.00 168.25

Alaska - - - - - 1.00 44.00

American Samoa* - - - - - 1.00 1.00

Arizona 1.00 1.00 0.00 0.00 0.00 1.00 78.50

Arkansas 1.00 5.00 4.00 1.00 0.00 8.00 168.00

California 19.00 41.00 32.00 7.00 0.00 38.00 1,412.50

Colorado 0.00 1.00 0.00 0.00 0.00 1.00 95.00

Connecticut 0.00 3.00 2.00 0.00 0.00 1.00 148.00

Delaware 1.00 1.00 1.00 0.00 0.00 - 98.00

Dist. of Columbia 1.00 2.00 0.00 1.00 0.00 3.00 85.00

Florida 6.00 0.00 11.00 10.00 1.00 5.00 775.00

Georgia 2.00 2.00 2.00 1.00 0.00 113.00 191.00

Guam 0.00 0.00 0.00 0.00 0.00 1.00 7.00

Hawaii 0.00 0.00 0.00 0.00 0.00 1.00 101.00

Idaho 1.00 1.00 2.00 1.00 0.00 6.00 75.50

Illinois 0.00 0.00 0.00 0.00 0.00 1.00 262.00

Indiana 0.00 0.00 0.00 0.00 0.00 5.00 87.00

Iowa 0.00 0.00 1.00 0.00 0.00 18.00 119.00

Kansas 0.00 1.00 1.00 0.00 0.00 3.50 108.50

Kentucky 1.00 0.00 2.00 0.00 3.00 5.00 117.00

Louisiana 2.00 3.00 2.00 0.00 1.00 2.00 222.00

Maine 1.00 0.00 0.00 2.00 0.00 1.00 71.00

Maryland 4.00 3.00 5.00 3.00 0.00 1.00 205.00

Massachusetts 0.00 0.00 0.00 0.00 0.00 23.00 116.00

Michigan 0.00 0.00 0.00 0.00 0.00 1.00 179.31

Minnesota 0.00 0.00 0.00 0.00 0.00 1.00 85.34

Mississippi 3.00 2.00 4.00 0.00 - 1.00 97.00

Missouri 0.00 0.00 0.00 0.00 0.00 4.00 209.00

Montana 1.00 0.00 2.00 0.00 1.00 5.00 77.50

Nebraska 0.00 0.00 2.00 0.00 0.00 5.00 100.00

Nevada 0.00 1.00 0.00 0.00 0.00 5.00 87.00

New Hampshire - - - - - 1.00 82.00

New Jersey 2.00 5.00 8.00 0.00 0.00 8.00 321.00

New Mexico 1.00 3.00 0.00 0.00 0.00 8.00 89.00

New York 3.00 6.00 17.00 8.00 2.00 2.00 759.00

North Carolina 3.00 6.00 8.00 0.00 1.00 122.50 414.60

North Dakota 0.00 1.00 0.00 0.00 0.00 9.00 46.00


Ohio 6.00 1.00 10.00 2.00 4.00 12.00 279.50

Oklahoma 0.00 0.00 1.00 1.00 1.00 1.00 123.00

Oregon 0.00 0.50 0.00 1.50 0.00 8.00 98.94

Pennsylvania 0.00 0.00 0.00 0.00 0.00 39.00 233.00

Puerto Rico 1.00 0.00 0.00 2.00 0.00 1.00 82.00

Rhode Island 0.00 0.00 0.00 0.00 0.00 3.00 35.00

South Carolina 2.00 2.00 1.00 0.00 0.00 1.00 86.00

South Dakota 0.00 0.00 0.00 0.00 0.00 1.00 33.50

Tennessee 0.00 0.00 0.00 0.00 0.00 1.00 122.00

Texas 5.00 24.00 18.00 31.00 1.00 597.75 1,464.20

U.S. Virgin Islands* - - - - - 1.00 1.00

Utah 0.00 0.00 0.00 0.00 0.00 4.00 96.00

Vermont 0.00 0.25 0.00 0.00 0.00 1.00 65.50

Virginia 2.00 4.00 0.00 0.00 0.00 1.00 189.00

Washington 5.00 6.00 9.00 0.00 0.00 4.00 247.00

West Virginia 4.00 0.00 5.00 1.00 1.00 75.00 233.00

Wisconsin 1.00 3.00 6.50 1.00 0.00 7.00 132.40

Wyoming 0.00 0.00 0.00 0.00 0.00 3.00 26.00

Total 82.00 132.75 159.75 74.25 16.25 1,210.75 10,852.04

*For jurisdiction data not availabe at time of publication, a count of one was included in Other Personnel.

That is, the department's member of the NAIC.

Table 3 (continued)

Insurance Department Staffing - By Position - 2018Information Systems/Technical Services Other Staff Total

Support Staff

Data

Staff Personnel Prog./Analysts

Department

EmployeesPersonnel

Supervisory Systems/LAN Computer

All Other


14 Staffing

State

Alabama 1.00 1.00 1.00 1.00 1.00 0.00%

Alaska 2.00 10.00 10.00 11.00 8.00 -75.00%

American Samoa 0.00 0.00 0.00 0.00 0.00 0.00%

Arizona 14.98 14.64 14.61 18.41 18.18 -17.60%

Arkansas 0.00 0.00 0.00 0.00 0.00 0.00%

California 23.50 23.50 24.00 24.00 29.00 -18.97%

Colorado 7.00 19.00 12.00 11.00 14.00 -50.00%

Connecticut 1.00 1.00 1.00 1.00 1.00 0.00%

Delaware 150.00 143.00 144.00 144.00 136.00 10.29%

Dist. of Columbia 8.00 8.00 8.00 8.00 0.00 -

Florida 0.00 0.00 0.00 0.00 0.00 0.00%

Georgia 0.00 0.00 0.00 0.00 0.00 0.00%

Guam 0.00 0.00 0.00 0.00 0.00 0.00%

Hawaii 0.00 0.00 0.00 0.00 0.00 0.00%

Idaho 11.10 10.90 10.90 10.90 12.00 -7.50%

Illinois 6.00 5.00 9.00 9.00 0.00 -

Indiana 35.00 35.00 35.00 35.00 31.00 12.90%

Iowa 1.50 1.50 1.50 1.50 1.50 0.00%

Kansas 0.00 0.00 0.00 0.00 2.00 -100.00%

Kentucky 21.00 31.00 30.70 34.60 29.60 -29.05%

Louisiana 68.00 68.00 68.00 91.00 98.00 -30.61%

Maine 2.95 2.95 2.75 3.00 3.00 -1.67%

Maryland 15.00 23.00 14.00 19.00 16.00 -6.25%

Massachusetts 0.90 1.30 5.40 4.40 4.40 -79.55%

Michigan 31.85 31.85 31.85 31.85 31.85 0.00%

Minnesota 27.40 31.65 32.65 24.65 24.15 13.46%

Mississippi 8.00 8.00 8.00 8.00 8.00 0.00%

Missouri 0.00 0.00 0.00 0.00 0.00 0.00%

Montana 0.00 0.00 0.00 0.00 0.00 0.00%

Nebraska 0.00 0.00 0.00 0.00 0.00 0.00%

Nevada 4.00 4.00 2.00 4.00 6.00 -33.33%

New Hampshire 1.88 2.50 2.50 4.50 0.00 -

New Jersey 49.00 19.00 19.00 19.00 18.00 172.22%

New Mexico 44.00 45.00 11.00 14.00 6.00 633.33%

New York 101.86 116.08 132.00 148.00 142.00 -28.27%

North Carolina 0.00 0.00 8.00 8.00 11.00 -100.00%

North Dakota 0.00 0.00 0.00 0.00 0.00 0.00%

N. Mariana Islands 0.00 0.00 0.00 0.00 0.00 0.00%

Ohio 3.00 3.00 15.00 7.00 14.00 -78.57%

Oklahoma 0.00 0.00 0.00 0.00 0.00 0.00%

Oregon 0.50 0.50 0.50 0.50 0.50 0.00%

Pennsylvania 30.00 30.00 16.00 16.00 16.00 87.50%

Puerto Rico 0.00 0.00 4.00 1.00 3.00 -100.00%

Rhode Island 10.66 10.49 10.00 14.44 14.00 -23.86%

South Carolina 5.00 8.00 10.00 12.50 12.00 -58.33%

South Dakota 6.25 5.25 5.50 5.50 6.50 -3.85%

Tennessee 14.00 13.00 13.00 13.00 13.00 7.69%

Texas 12.00 12.00 14.00 12.00 12.00 0.00%

U.S. Virgin Islands 0.00 0.00 0.00 0.00 0.00 0.00%

Utah 17.00 19.00 19.00 19.00 20.00 -15.00%

Vermont 0.00 0.00 0.00 0.00 0.00 0.00%

Virginia 1.00 1.00 1.00 1.00 1.00 0.00%

Washington 3.35 3.30 4.60 4.60 4.60 -27.17%

West Virginia 7.00 7.00 7.00 7.00 7.00 0.00%

Wisconsin 0.36 0.57 0.45 0.40 0.38 -5.26%

Wyoming 10.00 11.00 10.00 7.00 8.00 25.00%

Total 757.04 780.98 768.91 809.75 783.66 -3.40%

Table 4

Total Contractual/Intergovernmental Staff 2014-2018

2014-20182017 2016 2015 2014

Percent

2018



State

Alabama 0.00 1.00 0.00 0.00 0.00 0.00

Alaska 0.00 2.00 0.00 0.00 0.00 0.00


Arizona 0.55 1.59 0.51 0.26 0.38 0.00

Arkansas 0.00 0.00 0.00 0.00 0.00 0.00

California 0.00 0.00 0.00 0.00 0.00 0.00

Colorado 0.00 6.00 0.00 0.00 0.00 0.00

Connecticut 0.00 0.00 0.00 0.00 0.00 0.00

Delaware 2.00 10.00 15.00 8.00 0.00 0.00

Dist. of Columbia 8.00 0.00 0.00 0.00 0.00 0.00

Florida - - - - - -

Georgia - - - - - -

Guam 0.00 0.00 0.00 0.00 0.00 0.00

Hawaii - - - - - -

Idaho 0.00 5.00 0.20 0.20 0.00 0.00

Illinois 3.00 - - - - -

Indiana 0.00 10.00 0.00 0.00 0.00 0.00

Iowa 1.50 0.00 0.00 0.00 0.00 0.00

Kansas 0.00 0.00 0.00 0.00 0.00 0.00

Kentucky 1.00 0.00 2.00 1.00 0.00 0.00

Louisiana 0.00 11.00 2.00 2.00 0.00 0.00

Maine - 2.95 - - - -

Maryland 2.00 0.00 0.00 0.00 0.00 0.00

Massachusetts 0.20 0.00 0.00 0.20 0.00 0.00

Michigan 1.00 6.00 3.50 2.00 0.25 0.25

Minnesota 0.00 0.00 3.00 0.50 2.00 0.00

Mississippi 0.00 5.00 0.00 1.00 0.00 2.00

Missouri 0.00 0.00 0.00 0.00 0.00 0.00

Montana - - - - - -

Nebraska 0.00 0.00 0.00 0.00 0.00 0.00

Nevada - 2.00 - - 2.00 -

New Hampshire - 0.50 - - - -

New Jersey 0.00 13.00 0.00 0.00 0.00 0.00

New Mexico 34.00 9.00 0.00 0.00 0.00 0.00

New York - - 4.60 0.20 - -

North Carolina - - - - - -

North Dakota - - - - - -


Ohio 0.00 0.00 0.00 0.00 0.00 0.00

Oklahoma 0.00 0.00 0.00 0.00 0.00 0.00

Oregon 0.00 0.50 0.00 0.00 0.00 0.00

Pennsylvania 0.00 0.00 0.00 0.00 0.00 0.00

Puerto Rico 0.00 0.00 0.00 0.00 0.00 0.00

Rhode Island 0.00 0.00 3.00 3.00 2.00 2.00

South Carolina 1.00 0.00 0.00 0.00 0.00 0.00

South Dakota 0.00 0.00 0.50 0.50 0.00 0.00

Tennessee 0.00 0.00 1.00 1.00 0.00 0.00

Texas 0.00 0.00 0.00 0.00 0.00 0.00


Utah 0.00 4.00 2.00 0.00 0.00 0.00

Vermont 0.00 0.00 0.00 0.00 0.00 0.00

Virginia 0.00 0.00 1.00 0.00 0.00 0.00

Washington 0.00 2.35 - - - -

West Virginia 0.00 0.00 0.00 3.00 0.00 0.00

Wisconsin - - 0.21 0.15 - -

Wyoming 0.00 4.00 5.00 0.00 0.00 0.00

Total 54.25 95.89 43.52 23.01 6.63 4.25

Table 5

Contractual/Intergovernmental Staff - By Position - 2018

Analysts - P/CLawyers Actuaries - L/H Actuaries - P/C Analysts - L/H

Rate/Form Rate/Form

Administration


16 Staffing

State

Alabama 0.00 0.00 0.00 0.00 0.00 0.00

Alaska 0.00 0.00 0.00 0.00 0.00 0.00


Arizona 4.43 0.00 1.27 0.72 0.00 0.64

Arkansas 0.00 0.00 0.00 0.00 0.00 0.00

California 0.00 0.00 22.50 1.00 0.00 0.00

Colorado 0.00 0.00 0.00 1.00 0.00 0.00

Connecticut 0.00 0.00 0.00 0.00 0.00 0.00

Delaware 44.00 10.00 20.00 14.00 3.00 0.00

Dist. of Columbia 0.00 0.00 0.00 0.00 0.00 0.00

Florida - - - - - -

Georgia - - - - - -

Guam 0.00 0.00 0.00 0.00 0.00 0.00

Hawaii - - - - - -

Idaho 3.00 0.20 0.00 0.00 0.00 0.00

Illinois - - - - - -

Indiana 12.00 0.00 0.00 3.00 0.00 0.00

Iowa 0.00 0.00 0.00 0.00 0.00 0.00

Kansas 0.00 0.00 0.00 0.00 0.00 0.00

Kentucky 4.00 0.00 0.00 5.00 2.00 0.00

Louisiana 16.00 0.00 0.00 1.00 0.00 0.00

Maine - - - - - -

Maryland 0.00 0.00 0.00 2.00 0.00 0.00

Massachusetts 0.50 0.00 0.00 0.00 0.00 0.00

Michigan 1.00 0.50 0.00 0.10 0.00 0.00

Minnesota 6.00 0.00 0.15 15.75 0.00 0.00

Mississippi 0.00 0.00 0.00 0.00 0.00 0.00

Missouri 0.00 0.00 0.00 0.00 0.00 0.00

Montana - - - - - -

Nebraska 0.00 0.00 0.00 0.00 0.00 0.00

Nevada - - - - - -

New Hampshire - - - - - -

New Jersey 0.00 0.00 0.00 0.00 0.00 31.00

New Mexico 0.00 0.00 1.00 0.00 0.00 0.00

New York 17.11 - 78.00 - - -

North Carolina - - - - - -

North Dakota - - - - - -


Ohio 0.00 0.00 0.00 0.00 0.00 0.00

Oklahoma 0.00 0.00 0.00 0.00 0.00 0.00

Oregon 0.00 0.00 0.00 0.00 0.00 0.00

Pennsylvania 0.00 0.00 30.00 0.00 0.00 0.00

Puerto Rico 0.00 0.00 0.00 0.00 0.00 0.00

Rhode Island 0.00 0.00 0.00 0.66 0.00 0.00

South Carolina 1.00 0.00 0.00 0.00 0.00 0.00

South Dakota 1.00 1.00 0.00 1.00 0.00 1.00

Tennessee 4.00 3.00 5.00 0.00 0.00 0.00

Texas 0.00 0.00 12.00 0.00 0.00 0.00


Utah 8.00 0.00 0.00 0.00 0.00 0.00

Vermont 0.00 0.00 0.00 0.00 0.00 0.00

Virginia 0.00 0.00 0.00 0.00 0.00 0.00

Washington - - - - - 1.00

West Virginia 4.00 0.00 0.00 0.00 0.00 0.00

Wisconsin - - - - - -

Wyoming 0.00 0.00 1.00 0.00 0.00 0.00

Total 126.04 14.70 170.92 45.23 5.00 33.64

Investigators

Table 5 (continued)


Criminal

FraudMarket

AnalystsExaminers Analysts Personnel Examiners

Financial Financial Receivership Market



State

Alabama 0.00 0.00 0.00 0.00 0.00 - 1.00

Alaska 0.00 0.00 0.00 0.00 0.00 0.00 2.00

American Samoa - - - - - - 0.00

Arizona 0.00 0.00 0.00 0.20 0.20 4.23 14.98

Arkansas 0.00 0.00 0.00 0.00 0.00 0.00 0.00

California 0.00 0.00 0.00 0.00 0.00 0.00 23.50

Colorado 0.00 0.00 0.00 0.00 0.00 0.00 7.00

Connecticut 0.00 0.00 0.00 0.00 - 1.00 1.00

Delaware 0.00 0.00 0.00 19.00 5.00 0.00 150.00

Dist. of Columbia 0.00 0.00 0.00 0.00 0.00 0.00 8.00

Florida - - - - - - 0.00

Georgia - - - - - - 0.00

Guam 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Hawaii - - - - - - 0.00

Idaho 0.00 0.00 1.00 0.00 0.00 1.50 11.10

Illinois - - 2.00 1.00 - - 6.00

Indiana 0.00 0.00 0.00 0.00 0.00 10.00 35.00

Iowa 0.00 0.00 0.00 0.00 0.00 0.00 1.50

Kansas 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Kentucky 0.00 0.00 0.00 6.00 0.00 0.00 21.00

Louisiana 0.00 0.00 0.00 17.00 0.00 19.00 68.00

Maine - - - - - - 2.95

Maryland 1.00 4.00 1.00 0.00 0.00 5.00 15.00

Massachusetts 0.00 0.00 0.00 0.00 0.00 0.00 0.90

Michigan 0.00 0.00 0.00 6.00 0.00 11.25 31.85

Minnesota 0.00 0.00 0.00 0.00 0.00 0.00 27.40

Mississippi 0.00 0.00 0.00 0.00 0.00 0.00 8.00

Missouri 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Montana - - - - - - 0.00

Nebraska 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Nevada - - - - - - 4.00

New Hampshire - - - 1.38 - - 1.88

New Jersey - - 0.00 0.00 0.00 5.00 49.00

New Mexico 0.00 0.00 0.00 0.00 0.00 0.00 44.00

New York - - - 1.38 - 0.57 101.86

North Carolina - - - - - - 0.00

North Dakota - - - - - - 0.00


Ohio 0.00 0.00 0.00 3.00 0.00 0.00 3.00

Oklahoma 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Oregon 0.00 0.00 0.00 0.00 0.00 0.00 0.50

Pennsylvania 0.00 0.00 0.00 0.00 0.00 0.00 30.00

Puerto Rico 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Rhode Island 0.00 0.00 0.00 0.00 0.00 0.00 10.66

South Carolina 0.00 0.00 2.00 1.00 0.00 0.00 5.00

South Dakota 1.00 0.00 0.00 0.25 0.00 0.00 6.25

Tennessee 0.00 0.00 0.00 0.00 0.00 0.00 14.00

Texas 0.00 0.00 0.00 0.00 0.00 0.00 12.00

U.S. Virgin Islands - - - - - - 0.00

Utah 0.00 0.00 0.00 3.00 0.00 0.00 17.00

Vermont 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Virginia - 0.00 0.00 0.00 0.00 0.00 1.00

Washington - - - - - - 3.35

West Virginia 0.00 0.00 0.00 0.00 0.00 0.00 7.00

Wisconsin - 0.00 - - - - 0.36

Wyoming 0.00 0.00 0.00 0.00 0.00 0.00 10.00

Total 2.00 4.00 6.00 59.21 5.20 57.55 757.04

Table 5 (continued)


Civil Information

Fraud Enforcement

Personnel All Other TotalInvestigators Personnel

Systems Processing

Advocates Personnel

Consumer

Data


18 Staffing

State

Alabama 46,867 157,196 33,257 55,615 56,987 86,804 46,867 146,039

Alaska 94,236 192,504 64,488 136,836 52,260 146,340 - -

American Samoa - - - - - - - -

Arizona 64,101 133,322 36,814 65,828 36,814 65,828 55,203 99,501

Arkansas 108,110 157,100 56,039 81,257 - - 56,039 125,986

California 71,004 211,656 59,700 92,256 38,232 88,212 67,224 172,812

Colorado 89,904 145,704 62,616 91,644 62,616 91,644 89,904 145,704

Connecticut 80,261 178,651 86,813 118,362 41,200 130,573 84,204 128,307

Delaware 76,903 115,355 39,093 87,998 54,827 82,241 97,569 162,615

Dist. of Columbia 104,702 180,544 79,930 118,670 - - 117,831 191,415

Florida 45,173 161,487 40,948 109,578 25,479 128,809 39,083 172,955

Georgia 56,639 149,003 57,289 100,124 53,560 220,667 12,674 113,328

Guam 0 0 0 0 0 0 0 0

Hawaii 46,000 129,000 50,000 70,000 - - 64,000 96,000

Idaho 70,000 125,100 34,000 60,700 53,700 95,900 - -

Illinois 69,996 131,844 73,692 113,664 73,692 113,664 66,600 90,312

Indiana 85,000 125,000 45,000 75,000 - - 50,000 88,000

Iowa 95,097 191,693 - - 67,017 103,064 59,592 92,164

Kansas 63,226 112,000 - - 91,800 110,187 57,000 72,000

Kentucky 64,000 72,000 - - 87,000 87,000 55,000 84,000

Louisiana 135,000 178,500 25,896 77,958 45,000 92,000 45,344 133,931

Maine 67,662 93,205 42,286 57,429 - - 52,229 93,205

Maryland 37,476 106,348 26,144 82,089 80,568 129,354 66,231 129,354

Massachusetts 48,478 134,546 - - - - 44,590 125,834

Michigan 125,092 154,843 75,445 82,685 59,070 97,635 72,913 127,535

Minnesota 96,027 187,774 56,752 100,078 51,219 93,167 63,162 119,496

Mississippi 63,408 130,150 59,008 103,265 67,521 118,163 50,000 110,000

Missouri 74,513 116,150 35,640 55,000 72,000 77,677 40,500 93,000

Montana 90,876 141,841 58,000 58,000 65,000 68,000 83,007 129,559

Nebraska - - 34,940 50,604 - - 67,003 116,147

Nevada 104,540 107,001 49,778 73,957 67,714 101,853 107,001 116,839

New Hampshire 74,470 105,382 50,193 85,410 32,555 94,039 68,055 93,463

New Jersey 122,000 135,000 69,202 120,000 90,000 105,000 66,484 121,043

New Mexico 53,558 132,558 - - - - 44,827 139,190

New York 160,000 173,000 86,000 173,000 108,000 172,000 67,000 181,000

North Carolina 56,046 180,177 60,530 108,879 - - 75,650 161,169

North Dakota - 106,000 51,121 85,210 - - - 106,000

N. Mariana Islands - - - - - - - -

Ohio 90,373 161,699 53,040 77,459 55,494 89,164 70,636 102,148

Oklahoma 95,000 99,750 61,500 64,875 - - 62,150 99,750

Oregon 89,112 131,232 - - 58,212 119,100 62,268 91,200

Pennsylvania 49,076 139,907 49,076 93,008 43,012 110,983 56,059 141,399

Puerto Rico 72,000 95,004 - - 60,000 71,832 60,540 81,996

Rhode Island - - - - - - 86,127 97,594

South Carolina 59,161 134,903 32,838 60,760 48,622 89,956 59,161 109,457

South Dakota 65,987 79,668 - - - - 65,520 78,673

Tennessee 93,228 236,148 44,400 79,920 57,228 103,020 44,844 136,592

Texas 83,991 228,775 45,158 90,393 39,521 142,052 45,158 156,256

U.S. Virgin Islands - - - - - - - -

Utah 77,800 132,600 49,900 75,000 - - 66,300 99,600

Vermont 111,946 114,982 - - - - - -

Virginia 90,563 171,847 0 0 81,687 130,700 81,687 175,100

Washington 92,016 130,128 57,984 91,872 82,008 109,440 76,500 93,252

West Virginia 35,028 114,888 - - - - 41,736 81,132

Wisconsin 43,234 136,111 - - 52,535 141,002 52,291 126,339

Wyoming 84,960 127,440 - - - - 68,388 102,588

Low

Lawyers

Deputy/Assistant

Commissioners Media Public Policy

High

Table 6

Insurance Department Salary Range - By Position - 2018LegalExecutive

Low HighHigh Low High Low



State

Alabama 48,882 93,447 45,000 58,000 30,853 74,867 44,639 78,639 25,333 37,585

Alaska 47,100 146,496 - - - - 47,100 146,496 31,524 84,564

American Samoa - - - - - - - - - -

Arizona 39,983 77,469 - - 27,111 52,040 33,435 59,812 - -

Arkansas 56,039 90,670 36,155 58,493 - - - - - -

California 53,748 107,592 32,676 74,736 32,832 74,736 59,700 74,736 32,076 96,840

Colorado 58,620 82,752 - - 34,068 60,204 - - - -

Connecticut 76,373 98,224 55,797 72,420 41,756 85,597 - - - -

Delaware 54,827 100,752 29,825 71,838 34,142 51,214 24,346 51,214 - -

Dist. of Columbia 104,702 146,582 59,727 94,543 - - - - 44,389 83,287

Florida 56,148 112,469 46,381 108,147 - - - - - -

Georgia 56,639 149,003 52,331 116,000 - - 52,331 110,000 - -

Guam 0 0 0 0 0 0 0 0 0 0

Hawaii - - - - 30,000 49,000 - - 64,000 96,000

Idaho 38,100 86,800 30,100 53,800 30,100 53,800 25,800 60,700 25,800 46,100

Illinois 88,704 98,424 57,360 98,424 33,384 71,652 37,488 75,912 - -

Indiana - - - - 39,000 48,000 25,000 42,000 32,000 42,000

Iowa 82,555 117,478 50,980 77,563 - - - - 69,056 117,478

Kansas 61,200 112,750 47,092 56,128 - - 22,398 55,726 25,858 49,185

Kentucky 65,000 65,000 32,042 42,656 - - - - 24,072 51,361

Louisiana 25,896 153,338 32,323 89,253 - - 24,211 95,493 19,760 89,253

Maine 32,552 45,594 - - - - 30,222 42,286 - -

Maryland 37,476 106,348 26,144 82,089 0 0 0 0 0 0

Massachusetts 44,590 125,834 - - - - 52,015 90,570 44,959 70,455

Michigan 108,521 133,427 49,820 72,850 52,219 85,570 58,777 87,612 41,468 79,490

Minnesota 74,625 123,756 44,788 107,344 37,688 80,910 - - - -

Mississippi 39,363 99,701 48,963 85,684 41,255 72,196 28,359 107,156 0 0

Missouri 99,450 104,040 44,184 55,012 26,340 68,529 - - 16,267 42,708

Montana 84,905 132,522 46,297 69,445 - - - - 44,838 67,325

Nebraska 34,511 85,896 36,437 54,658 - - - - - -

Nevada 35,726 52,033 - - - - - - - -

New Hampshire 52,377 97,500 36,172 74,022 36,172 47,950 68,055 97,500 - -

New Jersey 63,518 121,374 62,471 104,000 51,254 51,254 49,010 51,254 42,896 116,748

New Mexico 39,686 101,150 - - 23,525 69,035 28,766 55,307 23,525 40,914

New York 136,000 152,000 30,000 136,000 31,000 121,000 55,000 103,000 30,000 123,000

North Carolina 42,780 117,589 31,200 86,431 33,960 86,431 - - 32,703 72,424

North Dakota 51,120 85,200 51,120 85,200 51,120 68,771 - - - -

N. Mariana Islands - - - - - - - - - -

Ohio 58,468 84,198 44,158 69,326 - - 50,086 73,320 - -

Oklahoma 59,464 75,000 - 68,585 - 45,500 48,500 62,750 40,788 54,900

Oregon - - - - - - - - - -

Pennsylvania 56,059 97,213 - - 37,986 65,389 43,012 85,125 29,888 50,230

Puerto Rico 37,020 46,008 22,800 37,776 0 0 25,500 25,500 16,200 32,148

Rhode Island - - - - - - - - - -

South Carolina 39,960 89,956 39,960 73,935 32,838 60,760 26,988 60,760 32,838 73,935

South Dakota - - - - - - 34,861 34,861 45,032 53,206

Tennessee 27,348 64,608 27,348 113,580 27,348 113,580 27,348 113,580 27,348 64,608

Texas 63,104 142,052 27,840 96,720 36,976 90,393 29,439 90,393 26,332 129,137

U.S. Virgin Islands - - - - - - - - - -

Utah - - - - - - 37,600 51,200 32,600 33,800

Vermont - - - - 75,629 119,163 - - - -

Virginia 56,573 130,700 0 0 32,449 60,266 42,913 68,128 0 0

Washington 45,288 106,608 59,448 70,620 30,360 46,452 - - 28,308 94,440

West Virginia 23,724 84,852 23,724 64,612 20,471 48,396 22,584 68,712 24,912 43,896

Wisconsin - - - - 40,269 107,947 - - - -

Wyoming - - 41,448 62,184 - - - - 38,568 57,864

Low High

Other

Supervisory

Staff Human Resources

Low High Low High

Table 6 (continued)

Insurance Department Salary Range - By Position - 2018Administration

Business Office

Low High

Revenue

Low High


20 Staffing

State

Alabama - - 103,204 157,197 103,204 157,197 38,512 67,661 49,191 74,867

Alaska 115,167 149,160 100,860 224,640 100,860 224,640 53,292 149,160 53,292 149,160

American Samoa - - - - - - - - - -

Arizona 50,891 99,501 65,161 117,992 - - 43,240 84,157 43,240 77,469

Arkansas 86,887 125,986 - - - - 40,340 58,493 40,340 58,453

California 137,844 171,744 68,664 163,572 109,812 163,572 - - 42,144 101,448

Colorado 72,192 109,440 51,900 132,720 51,900 132,720 43,620 100,860 50,400 100,860

Connecticut 85,011 123,104 105,623 144,021 105,623 155,767 76,373 98,224 76,373 98,224

Delaware - - - - - - 34,142 51,214 34,142 51,214

Dist. of Columbia 104,702 146,582 64,603 118,670 92,093 118,670 92,093 118,670 92,093 118,670

Florida 54,148 106,103 74,858 236,849 74,858 236,849 36,467 74,368 34,467 74,368

Georgia 96,990 113,466 59,134 118,965 59,134 118,965 29,973 57,699 27,248 47,685

Guam 0 0 0 0 0 0 40,763 67,493 33,911 61,143

Hawaii - - 120,000 160,000 120,000 160,000 48,000 79,000 48,000 79,000

Idaho 48,600 86,800 58,200 150,300 - - 38,100 68,000 - -

Illinois 80,988 128,400 47,628 113,664 52,344 94,056 40,452 70,956 40,452 64,416

Indiana 60,000 82,000 86,000 190,000 90,000 115,000 42,000 60,000 45,500 60,000

Iowa 134,826 210,558 104,458 148,512 62,650 96,491 62,650 96,491 59,592 92,165

Kansas 48,000 67,420 95,000 105,000 - - 45,027 59,240 36,353 58,150

Kentucky 42,646 56,495 - - - - 38,770 51,361 38,770 51,361

Louisiana 51,917 269,083 62,438 162,642 198,524 201,022 32,323 77,958 32,323 77,958

Maine 47,965 65,811 88,733 122,075 88,733 122,075 36,546 70,637 42,286 57,429

Maryland 80,568 138,132 45,123 72,030 54,529 129,354 45,123 99,644 42,397 87,546

Massachusetts 41,017 113,116 - 133,933 56,947 155,386 52,015 81,952 52,015 74,146

Michigan 75,445 108,521 - - - - 53,265 79,490 53,265 79,490

Minnesota 67,025 96,486 131,231 187,774 131,231 187,774 47,857 96,918 47,857 84,146

Mississippi 48,814 100,788 0 0 0 0 34,722 72,196 28,555 61,813

Missouri 54,370 61,900 55,376 149,997 133,926 143,926 34,416 59,037 32,000 48,852

Montana 52,824 112,697 53,251 79,877 53,251 79,877 35,436 53,154 35,436 53,154

Nebraska 67,402 148,787 51,675 110,048 117,501 145,870 40,822 58,683 40,822 58,683

Nevada 64,686 101,853 137,800 137,800 137,800 137,800 59,237 88,698 59,237 88,698

New Hampshire 68,055 110,596 83,258 110,596 70,833 94,039 59,572 81,666 59,572 81,666

New Jersey 100,000 110,627 106,854 120,500 74,620 110,505 51,253 110,169 57,984 110,169

New Mexico 39,686 186,664 35,381 69,035 39,686 186,664 31,782 61,568 35,381 61,568

New York 151,000 181,000 77,000 136,000 77,000 136,000 81,000 151,000 58,000 123,000

North Carolina 56,046 168,390 77,224 147,078 77,224 147,078 46,203 93,346 46,203 93,346

North Dakota 68,252 113,749 - 65,000 - 113,281 46,783 77,678 46,783 51,908

N. Mariana Islands - - - - - - - - - -

Ohio 84,198 140,364 45,760 107,785 66,497 123,905 54,953 97,884 54,953 97,884

Oklahoma 51,875 59,922 - 51,500 - - - 38,110 40,700 46,000

Oregon 69,936 119,100 69,936 129,444 69,936 129,444 55,548 91,200 55,548 86,952

Pennsylvania 56,059 126,690 64,020 110,983 43,012 110,983 43,012 74,641 49,076 74,641

Puerto Rico 44,700 79,704 34,848 34,848 28,500 28,500 0 0 23,820 25,020

Rhode Island 92,617 107,540 - - - - 64,407 72,924 64,407 72,924

South Carolina 48,622 89,956 48,622 133,179 48,622 133,179 32,838 60,760 32,838 60,760

South Dakota - - - - - - 44,928 48,381 43,805 48,381

Tennessee 44,844 80,724 - - - - 44,520 71,232 44,520 71,232

Texas 111,793 228,775 48,278 189,069 48,278 189,069 31,144 90,393 34,918 90,393

U.S. Virgin Islands - - - - - - - - - -

Utah 53,300 64,400 122,100 125,500 - - 46,900 52,700 45,900 47,100

Vermont 60,944 108,618 - - - - 42,848 74,838 42,848 74,838

Virginia 72,290 130,700 90,565 149,433 0 0 43,948 91,912 59,298 91,912

Washington 72,456 101,232 118,680 171,888 102,348 144,576 43,104 86,076 44,208 74,196

West Virginia 37,140 77,220 - - 53,676 107,364 31,164 61,128 33,036 61,128

Wisconsin 56,908 130,832 - - - - 37,232 85,841 37,232 85,841

Wyoming 54,072 81,096 - - - - 49,536 74,304 49,536 74,301

Actuarial

Table 6 (continued)

Insurance Department Salary Range - By Position - 2018

Rate/FormRate/Form

Actuaries - P/C

High

Analysts - L/H

Low High Low LowHigh

Analysts - P/CSupervisory Staff

Low High Low

Actuaries - L/H

High



State

Alabama 66,000 108,656 36,658 100,699 32,433 100,699 31,647 71,171 - - 66,000 100,699

Alaska 83,472 170,784 61,416 149,160 - - - - - - - -

American Samoa - - - - - - - - - - - -

Arizona 46,932 117,992 - - 33,435 84,157 55,203 99,501 36,814 77,469 39,983 71,564

Arkansas 69,776 112,900 56,039 101,175 40,340 65,263 - - - - - -

California 41,268 123,744 44,256 82,428 65,808 114,228 - - - - - -

Colorado 78,336 128,928 54,180 128,856 50,400 118,752 - - - - - -

Connecticut 88,428 123,104 76,373 102,853 49,312 114,714 80,155 102,853 - - 80,155 102,853

Delaware 31,912 107,804 - - 34,142 82,241 - - - - 44,755 94,164

Dist. of Columbia 104,702 146,582 64,603 118,670 92,093 118,670 - - - - 92,093 162,705

Florida 56,147 112,469 43,507 85,867 40,948 88,430 54,228 128,805 - - - -

Georgia 66,821 116,937 66,821 116,937 49,140 60,173 - - - - 31,200 85,000

Guam 49,897 87,943 33,911 61,143 40,762 67,493 0 0 0 0 0 0

Hawaii 64,000 96,000 59,000 89,000 52,000 89,000 - - - - 52,000 89,000

Idaho 63,600 113,600 48,600 103,900 43,000 96,000 - - - - - -

Illinois 98,004 118,656 41,976 70,956 47,628 113,664 - - - - - -

Indiana 60,000 106,500 - - 45,000 62,000 - - - - - -

Iowa 78,853 129,147 47,881 106,205 47,881 106,205 - - - - - -

Kansas 90,001 95,758 67,002 94,658 46,143 77,500 - - - - 55,000 62,000

Kentucky 42,647 68,359 - - - - - - - - 42,647 56,496

Louisiana 55,557 143,312 37,003 95,493 37,003 102,170 - - - - - -

Maine 49,483 101,941 33,550 54,517 33,550 45,198 - - - - 49,483 68,058

Maryland 58,168 129,354 45,123 93,395 45,123 87,546 0 0 0 0 0 0

Massachusetts 41,017 123,363 52,015 81,952 52,015 81,952 - - - - - -

Michigan 64,164 102,375 50,885 87,466 50,885 87,466 75,445 108,521 - - 60,093 102,375

Minnesota 67,025 107,344 63,162 93,918 46,354 93,918 - - - - - -

Mississippi 80,569 140,997 - - 43,167 108,321 - - - - - -

Missouri 55,012 98,222 45,000 94,860 39,708 48,852 46,359 65,392 - - 85,000 86,700

Montana 76,158 118,869 63,267 128,036 - - - - - - 50,232 128,036

Nebraska 72,171 161,105 36,136 105,396 43,801 95,814 - - - - 48,180 106,215

Nevada 64,686 101,853 54,330 88,698 49,778 80,973 - - - - - -

New Hampshire 83,258 110,596 59,572 101,536 59,572 101,517 - - - - - -

New Jersey 115,000 118,769 83,252 120,081 64,146 115,463 88,000 88,000 - - 118,101 118,101

New Mexico 39,686 88,525 35,381 61,568 - - - - - - - -

New York 144,000 181,000 58,000 122,000 56,000 136,000 - - - - - -

North Carolina 60,530 137,456 48,051 100,814 48,051 108,879 60,530 108,879 - - 48,051 108,879

North Dakota 72,432 110,384 44,323 85,210 56,004 93,336 - - - - - -

N. Mariana Islands - - - - - - - - - - - -

Ohio 70,636 130,000 82,950 114,400 82,950 114,400 74,276 106,558 - - 82,950 130,000

Oklahoma 70,750 75,750 - - 39,000 59,000 - - - - - 44,300

Oregon 69,936 119,100 58,236 91,200 58,236 91,200 - - - - 58,239 91,200

Pennsylvania 56,059 110,983 49,076 85,125 43,012 74,641 - - - - - -

Puerto Rico 45,996 80,352 27,300 43,776 23,820 42,144 - - - - - -

Rhode Island 86,127 107,540 47,950 88,062 47,950 88,062 - - - - - -

South Carolina 48,622 133,179 39,960 89,956 32,838 89,956 0 0 0 0 32,838 109,457

South Dakota 61,847 61,847 - - 38,022 54,891 - - - - - -

Tennessee 59,676 125,220 42,396 95,460 42,396 95,460 57,228 130,200 - - 42,396 116,040

Texas 76,356 156,256 48,278 156,256 48,278 156,256 27,840 142,052 - - - -

U.S. Virgin Islands - - - - - - - - - - - -

Utah 54,100 95,600 39,100 69,100 39,100 69,100 - - - - 39,100 67,400

Vermont 69,118 108,618 42,848 89,814 47,923 74,838 - - - - 42,848 108,618

Virginia 81,687 130,700 59,298 91,912 49,006 91,912 0 0 0 0 0 0

Washington 92,700 119,076 59,448 97,392 70,620 112,332 - - - - - -

West Virginia 41,736 87,612 47,352 93,756 39,400 68,712 - - - - - -

Wisconsin 56,908 130,832 37,232 85,841 37,232 85,841 - - - - - -

Wyoming 65,964 98,940 54,072 81,096 38,568 57,864 - - - - - -

Table 6 (continued)


Captive/

Specialty Ins.Fund

Financial Regulation

Supervisory Financial Financial Receivership Guaranty

Staff Examiners Analysts Personnel

Low High Low High Low HighHigh Low High Low High Low


22 Staffing

State

Alabama - - 42,496 71,171 42,496 71,171 32,433 49,191

Alaska - - - - - - - -


Arizona 50,891 91,490 - - 43,240 77,469 - -

Arkansas - - - - - - - -

California 74,964 101,448 42,144 99,048 42,144 99,048 - -

Colorado 72,192 109,440 50,400 100,860 50,400 100,860 - -

Connecticut 85,011 110,499 76,373 98,224 76,373 98,224 - -

Delaware 44,755 67,133 39,093 58,639 - - - -

Dist. of Columbia 116,219 162,705 - - 79,930 102,268 - -

Florida 56,147 112,469 - - 32,690 88,430 - -

Georgia 59,134 110,313 47,500 82,770 - - - -

Guam 0 0 40,762 67,493 0 0 0 0

Hawaii - - 59,000 89,000 52,000 79,000 - -

Idaho - - - - 48,600 86,800 - -

Illinois 64,368 64,368 43,764 88,704 43,764 89,280 - -

Indiana - - 36,000 55,000 - - - -

Iowa - - - - 54,038 83,865 - -

Kansas 67,040 71,796 60,341 63,087 47,008 48,653 - -

Kentucky 42,647 56,495 - - 35,246 56,496 - -

Louisiana 51,917 102,170 - - 33,323 77,958 - -

Maine 49,483 68,058 42,286 57,429 - - - -

Maryland 51,152 99,644 42,397 76,896 45,123 72,030 0 0

Massachusetts 38,067 104,934 - - 71,370 107,430 57,245 81,952

Michigan 64,534 99,159 53,181 76,233 49,820 72,850 52,210 77,620

Minnesota 77,799 115,258 54,914 80,910 - - - -

Mississippi 80,569 140,997 - - - - - -

Missouri 98,222 99,072 49,816 89,365 - - - -

Montana 52,824 79,235 59,772 89,658 59,772 89,658 - -

Nebraska 54,257 86,386 43,668 65,948 43,668 65,948 - -

Nevada 59,237 88,698 54,330 80,973 - - - -

New Hampshire 71,233 97,500 64,974 93,463 57,096 87,932 - -

New Jersey 110,627 110,627 51,254 79,329 53,497 91,368 - -

New Mexico 35,381 61,568 - - - - 26,229 55,307

New York 136,000 151,000 56,000 122,000 71,000 122,000 - -

North Carolina 56,046 117,589 46,203 100,814 46,203 93,346 - -

North Dakota - - - - - - - -


Ohio 64,292 102,148 50,086 80,600 76,814 80,600 - -

Oklahoma - 65,214 - - 41,921 48,305 - -

Oregon 69,939 119,100 58,239 91,200 58,239 91,200 - -

Pennsylvania 64,020 97,213 49,076 85,125 56,059 85,125 - -

Puerto Rico 91,716 91,716 45,672 45,672 36,693 37,320 - -

Rhode Island 86,127 97,594 47,950 72,924 - - - -

South Carolina 0 0 0 0 39,960 73,935 0 0

South Dakota - - 45,032 45,032 - - - -

Tennessee - - 42,396 95,460 - - - -

Texas 69,415 117,397 48,278 103,491 - - 31,144 78,953


Utah - - 42,400 67,200 47,300 71,000 - -

Vermont 69,118 108,618 57,262 89,814 - - - -

Virginia 72,290 130,700 0 0 49,006 91,912 0 0

Washington 77,352 88,800 64,008 72,456 64,008 72,456 - -

West Virginia 54,228 100,332 37,140 68,712 35,025 72,840 - -

Wisconsin 56,908 130,832 37,232 85,841 37,232 85,841 37,232 85,841

Wyoming 54,072 81,096 - - - - - -

Table 6 (continued)


Managed Care

Organization Oversight

Market Conduct Market Conduct

Supervisory Staff Examiners

Low High

Market Conduct Regulation

Analysts

Low High Low High Low High



State

Alabama - - 38,512 78,637 34,919 100,699 - -

Alaska 68,328 139,524 57,336 121,944 - - - -


Arizona 36,814 65,828 39,983 71,564 - - 31,110 55,763

Arkansas 26,039 81,257 45,010 65,265 - - - -

California 71,004 200,148 55,620 89,544 39,948 81,264 - -

Colorado 72,192 109,440 - - 35,112 107,268 - -

Connecticut 86,813 118,362 - - - - 61,530 98,224

Delaware 39,093 82,241 - - 34,142 51,214 - -

Dist. of Columbia 104,702 180,544 - - 79,930 118,670 - -

Florida 55,907 111,864 40,000 75,801 - - 22,453 67,849

Georgia 87,693 97,693 44,069 63,063 - - - -

Guam 0 0 0 0 0 0 0 0

Hawaii 64,000 96,000 48,000 79,000 - - - -

Idaho 48,600 95,900 43,000 76,800 43,000 76,800 - -

Illinois 67,200 102,840 - - 58,476 70,620 40,452 70,956

Indiana 50,000 68,000 55,000 65,000 - - 39,000 78,000

Iowa 82,555 117,478 52,520 79,934 - - - -

Kansas 91,000 96,539 61,500 64,272 - - - -

Kentucky 42,647 68,359 32,042 46,690 - - - -

Louisiana 55,557 125,174 - - 32,323 95,493 32,323 72,862

Maine - - - - - - - -

Maryland 48,034 99,644 45,123 72,030 45,123 72,030 42,397 76,896

Massachusetts 62,530 123,363 - - 52,015 74,146 71,605 103,470

Michigan 90,000 90,000 0 0 46,249 72,850 0 0

Minnesota 67,025 115,258 64,185 84,689 47,857 80,910 - -

Mississippi 63,000 110,000 - - 36,000 72,000 - -

Missouri 41,884 55,713 - - 38,304 41,184 - -

Montana - - 52,525 78,787 - - - -

Nebraska 49,394 74,094 45,945 65,757 - - - -

Nevada 54,330 80,973 - - 43,827 67,714 - -

New Hampshire 66,251 94,039 59,415 93,463 - - 62,244 93,463

New Jersey 87,703 110,627 - - 70,369 91,368 50,316 91,368

New Mexico 39,686 88,525 35,381 61,568 - - 31,782 55,307

New York 151,000 167,000 60,000 137,000 81,000 103,000 - -

North Carolina 60,530 117,589 42,780 100,814 - - - -

North Dakota - - - - 51,120 70,063 - -


Ohio 64,292 102,148 50,086 73,320 42,244 73,320 - -

Oklahoma - 75,000 53,118 70,750 - - - -

Oregon 69,936 119,100 - - 45,972 71,916 64,068 100,296

Pennsylvania 56,059 97,213 - - 49,076 74,641 - -

Puerto Rico - - - - - - - -

Rhode Island - - - - - - - -

South Carolina 39,960 73,935 0 0 0 0 32,838 60,760

South Dakota - - - - - - 44,325 44,325

Tennessee 46,752 103,020 - - 34,896 64,608 - -

Texas 59,004 156,256 45,158 96,720 31,144 96,720 76,356 129,137


Utah 49,200 109,600 44,200 78,100 - - - -

Vermont - - - - - - - -

Virginia 72,290 130,700 0 0 0 0 49,006 91,912

Washington 72,456 101,592 83,988 86,076 44,208 68,940 - -

West Virginia 3,336 81,852 29,400 54,396 27,732 61,128 - -

Wisconsin - - - - - - - -

Wyoming - - - - - - - -

Antifraud

Enforcement

PersonnelInvestigators

Civil FraudCriminal Fraud

Supervisory Staff Investigators

Table 6 (continued)

Low HighLow High Low High Low High



24 Staffing

State

Alabama 44,639 71,171 40,469 61,304 - - 25,333 44,639 - - - -

Alaska 59,586 132,684 49,776 106,716 - - - - - - - -

American Samoa - - - - - - - - - - - -

Arizona 39,983 71,564 - - - - 31,110 55,763 - - 36,814 65,828

Arkansas 45,010 65,265 32,405 72,822 - - - - 36,155 52,425 - -

California 74,946 101,448 62,676 78,504 - - 38,232 86,232 110,520 141,780 - -

Colorado 72,192 188,752 43,620 100,860 - - - - 43,620 73,764 - -

Connecticut 85,011 110,499 63,215 98,224 - - - - - - - -

Delaware 36,534 87,998 34,142 51,214 - - - - 29,825 51,214 - -

Dist. of Columbia 104,702 162,705 79,930 102,268 85,149 109,710 - - - - - -

Florida 48,881 70,200 35,797 57,549 46,381 91,984 27,983 52,000 - - - -

Georgia 85,196 118,145 28,279 59,639 0 0 - - 0 0 0 0

Guam 0 0 0 0 0 0 0 0 0 0 0 0

Hawaii - - 48,000 79,000 - - 48,000 79,000 - - - -

Idaho 43,000 95,900 43,000 76,800 - - - - 25,800 68,000 - -

Illinois 54,768 98,424 39,924 70,956 43,764 70,956 73,692 113,664 - - - -

Indiana 75,000 96,000 - - - - 38,000 76,000 28,000 60,000 - -

Iowa 95,097 148,512 45,801 83,865 69,056 106,204 - - 35,630 106,204 50,148 76,377

Kansas 55,275 67,049 33,800 53,249 - - - - - - - -

Kentucky 38,770 68,359 32,042 46,691 42,647 56,496 - - - - - -

Louisiana 51,917 125,174 32,323 77,958 32,323 83,408 - - 32,323 77,958 - -

Maine 52,998 82,035 30,992 54,517 43,784 59,446 27,955 36,629 - - 52,458 69,680

Maryland 45,123 93,395 39,857 76,896 0 0 37,476 72,030 0 0 42,397 76,896

Massachusetts 41,017 113,116 52,015 74,146 - - - - - - - -

Michigan 75,445 108,521 49,820 72,850 - - 38,670 79,490 - - 53,265 87,612

Minnesota 67,025 96,486 40,862 80,910 - - - - - - - -

Mississippi 37,458 93,801 30,581 72,196 - - - - - - - -

Missouri 41,844 55,012 36,924 42,780 - - - - - - - -

Montana 52,824 79,235 51,050 76,575 - - - - - - - -

Nebraska 49,554 87,487 37,791 65,948 - - - - 40,375 64,979 - -

Nevada 47,711 70,741 43,827 64,686 - - - - - - - -

New Hampshire 68,055 93,463 52,377 70,843 - - 44,167 81,666 - - - -

New Jersey 95,729 110,627 48,114 100,000 - - 45,127 55,000 - - 52,691 88,358

New Mexico 35,381 61,568 - - 26,229 45,656 - - - - - -

New York 136,000 181,000 56,000 122,000 47,000 57,000 - - - - 56,000 72,000

North Carolina 48,051 108,879 33,960 72,424 - - - - 33,960 72,424 42,780 72,424

North Dakota 72,432 110,384 46,788 60,943 - - 43,032 44,232 43,032 45,432 - -

N. Mariana Islands - - - - - - - - - - - -

Ohio 64,292 102,148 42,244 73,320 - - - - 42,244 60,091 - -

Oklahoma - 70,750 39,400 51,000 44,300 56,000 - - 39,644 43,388 - -

Oregon 69,936 119,100 50,592 79,080 - - 50,592 119,100 - - - -

Pennsylvania 64,020 110,983 43,012 74,641 - - - - - - - -

Puerto Rico 47,808 64,944 27,000 46,008 - - 25,200 27,336 - - - -

Rhode Island 92,617 107,540 47,950 72,924 - - - - - - - -

South Carolina 39,960 89,956 0 0 32,838 60,760 0 0 0 0 0 0

South Dakota - - 36,296 43,805 - - - - - - - -

Tennessee 38,460 84,768 31,644 50,628 - - - - - - - -

Texas 45,158 156,256 31,144 96,720 - - 29,439 129,137 - - - -

U.S. Virgin Islands - - - - - - - - - - - -

Utah - - 44,200 78,100 - - - - - - - -

Vermont 50,814 79,435 40,581 74,838 - - - - - - - -

Virginia 72,290 130,700 49,006 91,912 49,006 115,664 0 0 0 0 72,290 115,664

Washington 53,844 101,340 - - 55,152 76,196 - - 50,004 72,456 - -

West Virginia 25,028 77,220 27,732 51,312 35,028 75,060 31,164 57,660 - - 29,400 77,220

Wisconsin 56,908 130,832 37,232 85,841 37,232 85,841 - - - - - -

Wyoming - - 38,568 57,864 - - - - - - - -

Table 6 (continued)


Staff

Complaint

Investigators

Consumer Assistance

AppealsIns. Program

Consumer Affairs

High Low HighHigh Low High Low

Senior Health Healthcare

Advocates

Low High Low High

Supervisory

Personnel

Low



State

Alabama 40,469 61,304 20,780 45,750 66,000 100,699 26,597 71,171

Alaska 54,576 146,496 40,032 97,224 - - - -


Arizona 33,435 84,157 25,508 44,894 - - 36,814 65,828

Arkansas 45,377 81,257 26,034 52,425 - - 26,034 72,822

California 46,932 96,840 31,560 82,416 59,700 74,736 - -

Colorado 72,192 109,440 55,400 73,764 78,336 118,752 - -

Connecticut 85,011 110,499 40,901 98,224 - - - -

Delaware 62,776 94,164 26,048 41,806 - - - -

Dist. of Columbia 104,702 146,582 79,930 102,268 79,930 102,268 - -

Florida 46,381 101,526 27,926 91,984 - - - -

Georgia 52,331 116,937 37,627 39,848 37,627 39,901 - -

Guam 0 0 33,911 61,143 40,762 67,493 0 0

Hawaii - - 34,000 53,000 - - - -

Idaho 38,100 68,000 22,400 46,100 - - - -

Illinois 64,104 111,072 45,204 61,644 47,580 57,912 35,220 48,780

Indiana 60,000 74,000 25,000 34,000 26,000 55,000 36,000 46,000

Iowa 82,555 117,478 32,380 92,165 - - - -

Kansas 65,920 67,897 32,620 40,170 39,311 40,490 36,257 40,170

Kentucky 38,770 68,359 42,647 56,496 - - 32,042 42,656

Louisiana 25,896 125,174 32,323 77,958 32,323 77,958 32,323 77,958

Maine 47,965 65,811 27,830 49,525 27,955 54,517 - -

Maryland 39,857 106,348 33,178 59,260 27,727 52,095 0 0

Massachusetts 49,978 113,116 44,959 62,836 - - - -

Michigan 58,777 108,521 49,820 72,850 49,820 72,850 - -

Minnesota 57,796 83,687 43,493 63,162 43,493 96,486 35,183 55,144

Mississippi 53,600 93,801 - - - - - -

Missouri 41,844 55,012 24,360 35,556 36,500 40,304 - -

Montana 52,824 79,235 28,029 53,154 - - - -

Nebraska 50,467 75,704 15,267 54,398 - - - -

Nevada 42,094 73,957 32,990 52,033 - - - -

New Hampshire 50,193 67,918 33,364 44,167 42,471 57,096 - -

New Jersey 67,760 110,627 60,164 78,022 - - 40,577 75,901

New Mexico 39,686 69,035 21,195 40,914 23,525 61,568 - -

New York 68,000 98,000 43,000 72,000 47,000 58,000 - -

North Carolina 46,203 117,589 31,200 93,346 - - 48,051 86,431

North Dakota 72,432 110,384 26,784 46,889 - - - -

N. Mariana Islands 24,500 34,500 - - - - 24,500 34,500

Ohio 48,089 100,900 42,244 54,953 42,244 54,953 42,244 54,953

Oklahoma 42,750 65,631 32,300 36,980 - - 36,000 42,090

Oregon 69,936 119,100 35,472 71,916 - - 32,352 47,016

Pennsylvania 49,076 85,125 49,076 74,641 49,076 74,641 - -

Puerto Rico - - 22,488 35,904 - - - -

Rhode Island - - 38,015 46,543 53,700 77,400 - -

South Carolina 39,960 73,935 26,988 49,932 0 0 26,988 49,932

South Dakota - - 35,048 43,805 43,805 43,805 - -

Tennessee 36,420 76,872 26,028 53,172 44,520 74,808 - -

Texas 51,614 117,397 31,144 73,788 31,144 103,491 - -


Utah - - 35,100 58,700 25,300 43,600 - -

Vermont - - 36,587 70,678 - - - -

Virginia 81,687 130,700 49,006 91,912 43,948 91,912 0 0

Washington 47,532 104,424 36,528 50,004 57,984 67,236 50,004 76,092

West Virginia 31,164 65,000 20,472 37,884 - - - -

Wisconsin 37,398 85,841 37,460 64,064 33,384 50,440 - -

Wyoming 41,448 62,184 35,544 53,304 - - - -

Table 6 (continued)

Insurance Department Salary Range - By Position - 2018Licensing

Low High

Other Licensing

Low High

Supervisory Staff Producer Licensing Company Licensing

Low High Low High


26 Staffing

State

Alabama 61,304 100,699 30,853 61,304 44,639 86,804 44,639 78,639

Alaska - - - - - - - -


Arizona 65,161 117,992 46,932 84,157 - - - -

Arkansas 71,704 103,970 51,762 83,745 51,762 83,745 84,541 129,835

California 80,196 130,524 38,976 108,972 46,524 108,972 46,524 99,360

Colorado - - 55,800 81,684 - - - -

Connecticut - - 74,945 101,107 74,945 94,975 - -

Delaware 54,827 82,241 39,093 58,639 47,892 71,838 - -

Dist. of Columbia 116,219 162,705 92,093 118,670 - - 53,620 69,037

Florida 43,507 108,147 28,684 83,066 40,948 88,430 29,344 93,333

Georgia 88,683 111,962 65,520 79,498 47,586 75,348 54,600 54,600

Guam 0 0 0 0 0 0 0 0

Hawaii - - - - - - - -

Idaho 53,700 95,900 43,000 76,800 43,000 76,800 34,000 60,700

Illinois - - - - - - - -

Indiana - - - - - - - -

Iowa - - - - 59,592 92,165 - -

Kansas - - 40,000 45,011 58,425 60,469 - -

Kentucky 42,647 56,496 - - 32,042 51,361 - -

Louisiana 67,309 125,194 41,912 89,960 41,912 103,002 - -

Maine 47,965 65,811 - - - - 40,227 57,429

Maryland 48,034 129,354 48,034 93,395 48,034 93,395 42,397 67,480

Massachusetts - - - - - - - -

Michigan - - - - - - - -

Minnesota - - - - - - - -

Mississippi 55,274 96,730 41,164 72,037 34,279 89,878 - -

Missouri - - - - - - - -

Montana 86,222 134,578 - - 53,567 105,028 - -

Nebraska - - - - 48,183 72,642 - -

Nevada - - 61,888 92,895 - - - -

New Hampshire - - - - - - - -

New Jersey 110,169 110,169 51,254 84,326 90,000 110,169 - -

New Mexico 58,094 96,844 40,685 96,844 - - - -

New York 87,000 173,000 85,000 112,000 56,000 112,000 47,000 100,000

North Carolina 56,339 184,410 46,561 100,892 56,339 100,892 - -

North Dakota - - 46,788 73,644 - - - -


Ohio 85,800 112,444 66,497 97,884 60,497 107,785 60,486 88,774

Oklahoma - - - - - 75,750 - 51,500

Oregon - - 38,244 59,400 - - 44,220 68,340

Pennsylvania - - - - - - - -

Puerto Rico 61,296 61,296 - - - - 23,820 25,020

Rhode Island - - - - - - - -

South Carolina 48,622 89,956 39,960 73,935 39,960 89,956 0 0

South Dakota - - - - - - - -

Tennessee - - - - - - - -

Texas 69,415 142,052 39,521 117,397 42,244 129,137 39,521 117,397


Utah - - - - - - - -

Vermont - - 45,282 70,678 - - - -

Virginia 72,290 149,433 49,006 75,960 0 0 0 0

Washington 95,016 118,320 62,436 97,392 56,580 97,392 - -

West Virginia 26,579 100,332 - - 35,025 72,840 44,244 81,852

Wisconsin 52,353 120,831 45,814 123,250 45,814 123,250 45,814 123,250

Wyoming - - - - - - - -

Low High

Table 6 (continued)


Data Services

Information Systems/Technical Services

Systems/LAN Computer

Supervisory Staff Personnel Programmer/Analysts Personnel

Low High Low HighLow High


Budget and Funding

Budget Fiscal year 2020 budgets increased 1.62% over 2019

numbers and have increased 8.6% since 2016. Each year,

state insurance departments are asked to provide budget

information, including a projected budget amount for the

upcoming fiscal year. In the following year, insurance

departments update the projected amount to reflect the

actual budget amount for the fiscal year. So, for example,

the 2019 budget amounts reported in the 2017 publication

are projected amounts and have been updated in the 2018

publication to reflect the actual budget amounts for the

2019 fiscal year.

Funding The funding methods used by insurance departments

can be divided into the following categories:

• Dedicated Funding

• Quasi-dedicated Funding

• General Revenue Funding

• Combination

• Other

Under a dedicated funding system, specific amounts

are placed in a separate fund established for the insurance

department. Usually, the fund is created out of the fees and

assessments, fines and penalties, and other incomes

generated by the insurance department, while taxes

(premium taxes and retaliatory taxes) go into the state’s

general fund. The department spends from the dedicated

fund up to a level appropriated by the state legislature. If

revenue flowing into the fund exceeds the department’s

expenditures, the balance is carried over to the next fiscal

year. If the revenue flowing into the fund is less than

anticipated, the department must either reduce its spending

level below the legislative appropriation or use the

accumulated cash balance of the fund from previous years.

Dedicated funding systems allow the department to lessen

the effect of cyclical changes in its funding over time. The

department is able to build up a cash balance during high

revenue years and spend down the accumulated fund

during economic downturns.

A quasi-dedicated funding system is similar to the

dedicated system, except that the balance at the end of the

year returns to the state’s general fund rather than being

carried over to the next fiscal year. This system does not

dampen the effect of cyclical funding changes.

In a general revenue funding system, all revenue

generated by the state insurance department is placed into

the state’s general fund. The state legislature then allocates

an amount to the insurance department in the normal

budgetary process. Generally, the state legislature has

substantial control over how the insurance department

spends this money.

A combination system employs parts of two or more of

the funding methods described above. Any remaining

funding system is placed in the “other” category. This

includes unique funding systems that do not fit into any of

the more common categories mentioned above.

ExpensesInsurance department expenses can be divided into two

main categories. Administration and regulation expenses

are directly related to the administration of state insurance

law and the regulation of companies and producers.

Operations expenses are costs associated with the basic

running of the department, such as building expenses and

staff salaries.

Revenues Insurance departments generate considerable revenues

for their respective states. Not all revenue generated

through the auspices of the state insurance departments are

retained by the insurance departments. In most cases, these

revenues are deposited into a state’s general revenue fund,

although, in some states, the insurance department’s

budget is linked to the amount of revenues collected from

the insurance industry.

In the following tables, revenues generated by state

insurance departments have been divided into four

categories:

• Total Taxes

• Fees and Assessments

• Fines and Penalties

• Other

Total taxes include premium, retaliatory, franchise, and

income taxes paid by insurers. Fees include filing,

examination, and licensing fees. Assessments are defined

as payments required of an insurer and designated at the

time of collection for a specific use.



28 Budget and Funding

Figure 3

Aggregate Insurance Department Budgets 2010-2020

Figure 4

Annual Budget Growth Rates 2009-2019

-3.24%

3.37%

1.02%

0.35%

2.22%2.75%

5.06%

-1.73%

4.27% 4.29%

1.62%

-4.00%

-3.00%

-2.00%

-1.00%

0.00%

1.00%

2.00%

3.00%

4.00%

5.00%

6.00%

2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019

Gro

wth

Rat

e

2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020

Budget Year $1,237.3 $1,279.0 $1,292.1 $1,296.6 $1,325.4 $1,361.8 $1,430.7 $1,406.0 $1,466.1 $1,529.0 $1,553.7

$0

$200

$400

$600

$800

$1,000

$1,200

$1,400

$1,600

$1,800

Bu

dg

et (

$M)



State 2018 2017 2016

Alabama $44,032,323 $41,131,612 $35,141,491 $22,000,000 $24,260,583 81.50%

Alaska $7,279,600 $7,279,600 $7,447,200 $7,098,400 $7,161,300 1.65%


Arizona $34,490,200 $34,490,200 $44,251,300 $26,229,300 $38,826,000 -11.17%

Arkansas $14,270,015 $13,463,407 $13,500,028 $13,751,150 $13,243,262 7.75%

California $226,042,000 $224,724,000 $217,737,000 $204,137,000 $203,918,000 10.85%

Colorado $15,000,000 $13,495,203 $14,143,377 $12,720,710 $14,883,918 0.78%

Connecticut $29,920,152 $27,207,035 $27,092,246 $28,533,164 $29,300,275 2.12%

Delaware $11,664,100 $10,477,300 $10,797,400 $9,936,200 $8,936,200 30.53%

Dist. of Columbia $13,048,914 $12,255,959 $12,178,900 $11,345,569 $10,761,568 21.25%

Florida $89,505,969 $89,505,969 $87,026,993 $86,297,867 $88,269,849 1.40%

Georgia $22,885,289 $21,730,680 $21,485,853 $21,162,489 $20,968,908 9.14%

Guam $444,688 $586,410 $539,477 $533,330 $616,730 $0

Hawaii $17,760,950 $14,519,862 $14,449,753 $13,544,182 $13,257,720 33.97%

Idaho $9,777,000 $10,209,400 $9,690,600 $9,556,900 $9,028,500 8.29%

Illinois $53,427,400 $49,171,900 $49,522,100 $50,593,000 $50,720,200 5.34%

Indiana $12,357,990 $9,845,970 $9,845,970 $8,969,666 $8,969,666 37.78%

Iowa $16,023,274 $15,771,848 $15,045,763 $14,787,940 $13,307,453 20.41%

Kansas $14,585,012 $14,075,222 $13,434,300 $10,882,769 $10,832,083 34.65%

Kentucky $23,663,550 $22,219,610 $21,496,200 $19,498,200 $18,846,600 25.56%

Louisiana $32,829,836 $31,878,205 $31,113,343 $31,362,259 $30,565,409 7.41%

Maine $11,966,617 $10,546,070 $10,771,610 $10,420,302 $10,323,169 15.92%

Maryland $32,107,796 $32,620,889 $32,468,592 $32,783,205 $32,199,531 -0.28%

Massachusetts $15,309,000 $14,578,000 $14,412,000 $14,611,730 $14,712,080 4.06%

Michigan $36,787,100 $34,984,500 $34,279,000 $34,045,500 $33,182,100 10.86%

Minnesota $18,170,000 $18,455,000 $16,393,000 $17,082,000 $17,229,000 5.46%

Mississippi $12,213,658 $11,893,720 $11,881,431 $15,343,945 $14,873,175 -17.88%

Missouri $16,706,593 $16,626,782 $16,605,564 $16,681,016 $16,092,644 3.82%

Montana $5,881,579 $5,388,005 $5,196,617 $4,938,102 $5,266,721 11.67%

Nebraska $14,515,382 $14,424,684 $15,092,217 $15,553,891 $15,723,101 -7.68%

Nevada $19,148,220 $22,625,741 $13,231,389 $15,743,200 $16,736,508 14.41%

New Hampshire $12,693,814 $12,132,261 $12,025,544 $11,571,554 $11,304,670 12.29%

New Jersey $50,799,000 $50,799,000 $27,803,000 $27,803,000 $27,903,000 82.06%

New Mexico $10,174,300 $10,837,900 $10,291,200 $11,460,700 $11,354,300 -10.39%

New York $159,923,000 $157,852,000 $150,941,000 $147,583,000 $147,583,000 8.36%

North Carolina $51,080,490 $48,887,856 $48,838,212 $40,587,748 $38,652,279 32.15%

North Dakota $4,850,575 $5,364,672 $5,364,672 $5,772,570 $5,772,570 -15.97%

N. Mariana Islands $138,000 $112,000 $112,000 $99,000 - -

Ohio $42,518,154 $39,147,816 $39,084,444 $39,337,235 $37,778,947 12.54%

Oklahoma $20,000,000 $20,000,000 $16,121,447 $15,668,123 $16,000,000 25.00%

Oregon * $12,794,466 $13,661,316 $13,335,387 $13,378,538 -

Pennsylvania $29,975,000 $28,886,000 $27,113,000 $24,850,000 $37,460,000 -19.98%

Puerto Rico $8,351,000 $8,163,000 $8,464,000 $10,896,000 $10,896,000 -23.36%

Rhode Island $6,140,500 $5,690,878 $5,780,270 $5,807,156 $5,768,238 6.45%

South Carolina $17,899,474 $17,899,474 $17,851,064 $17,944,448 $18,877,368 -5.18%

South Dakota $3,426,602 $3,389,422 $3,389,422 $2,952,780 $3,139,340 9.15%

Tennessee $17,000,000 $16,321,600 $15,884,100 $14,976,500 $12,597,800 34.94%

Texas $121,804,367 $122,784,211 $122,150,137 $118,108,880 $126,275,111 -3.54%


Utah $14,953,700 $14,556,100 $14,679,500 $14,679,500 $14,407,700 3.79%

Vermont $9,881,794 $9,658,941 $10,035,914 $9,603,806 $9,940,634 -0.59%

Virginia $29,814,506 $29,814,506 $26,891,075 $27,099,896 $27,036,798 10.27%

Washington $36,512,000 $34,220,145 $30,826,108 $32,455,856 $28,478,438 28.21%

West Virginia $11,000,000 $11,000,000 $11,000,000 $11,646,000 $11,646,000 -5.55%

Wisconsin $19,858,600 $19,385,800 $18,499,700 $18,643,200 $18,612,800 6.69%

Wyoming $3,113,960 $3,113,960 $3,002,675 $3,002,675 $2,845,541 9.43%

Total $1,553,723,043 $1,528,994,791 $1,466,080,514 $1,406,028,000 $1,430,721,325 8.60%

*Budget was not available as of publication of this report.

Percent

2020 2016-20202019

Table 7

Insurance Department Budgets - Fiscal Years 2016-2020



State

California $226,042,000 1 $224,724,000 1

New York $159,923,000 2 $157,852,000 2

Texas $121,804,367 3 $122,784,211 3

Florida $89,505,969 4 $89,505,969 4

Illinois $53,427,400 5 $49,171,900 6

North Carolina $51,080,490 6 $48,887,856 7

New Jersey $50,799,000 7 $50,799,000 5

Alabama $44,032,323 8 $41,131,612 8

Ohio $42,518,154 9 $39,147,816 9

Michigan $36,787,100 10 $34,984,500 10

Washington $36,512,000 11 $34,220,145 12

Arizona $34,490,200 12 $34,490,200 11

Louisiana $32,829,836 13 $31,878,205 14

Maryland $32,107,796 14 $32,620,889 13

Pennsylvania $29,975,000 15 $28,886,000 16

Connecticut $29,920,152 16 $27,207,035 17

Virginia $29,814,506 17 $29,814,506 15

Kentucky $23,663,550 18 $22,219,610 19

Georgia $22,885,289 19 $21,730,680 20

Oklahoma $20,000,000 20 $20,000,000 21

Wisconsin $19,858,600 21 $19,385,800 22

Nevada $19,148,220 22 $22,625,741 18

Minnesota $18,170,000 23 $18,455,000 23

South Carolina $17,899,474 24 $17,899,474 24

Hawaii $17,760,950 25 $14,519,862 30

Tennessee $17,000,000 26 $16,321,600 26

Missouri $16,706,593 27 $16,626,782 25

Iowa $16,023,274 28 $15,771,848 27

Massachusetts $15,309,000 29 $14,578,000 28

Colorado $15,000,000 30 $13,495,203 33

Utah $14,953,700 31 $14,556,100 29

Kansas $14,585,012 32 $14,075,222 32

Nebraska $14,515,382 33 $14,424,684 31

Arkansas $14,270,015 34 $13,463,407 34

Dist. of Columbia $13,048,914 35 $12,255,959 36

New Hampshire $12,693,814 36 $12,132,261 37

Indiana $12,357,990 37 $9,845,970 44

Mississippi $12,213,658 38 $11,893,720 38

Maine $11,966,617 39 $10,546,070 41

Delaware $11,664,100 40 $10,477,300 42

West Virginia $11,000,000 41 $11,000,000 39

New Mexico $10,174,300 42 $10,837,900 40

Vermont $9,881,794 43 $9,658,941 45

Idaho $9,777,000 44 $10,209,400 43

Puerto Rico $8,351,000 45 $8,163,000 46

Alaska $7,279,600 46 $7,279,600 47

Rhode Island $6,140,500 47 $5,690,878 48

Montana $5,881,579 48 $5,388,005 49

North Dakota $4,850,575 49 $5,364,672 50

South Dakota $3,426,602 50 $3,389,422 51

Wyoming $3,113,960 51 $3,113,960 52

Guam $444,688 52 $586,410 53

N. Mariana Islands $138,000 53 $112,000 54

American Samoa - - - -

Oregon * - $12,794,466 35

U.S. Virgin Islands - - - -

Total $1,553,723,043 - $1,528,994,791 -

*Budget was not available as of publication of this report.

Table 8

2020 Rank 2019 Rank

States in Descending Order of 2020 Budget



State

Alabama Combination 81.48% 0.39% 0.00% 18.13% 73.00% 27.00%

Alaska Combination 97.00% 0.00% 0.00% 3.00% 65.00% 35.00%


Arizona Combination 27.26% 0.00% 15.57% 57.17% 94.97% 5.03%

Arkansas Combination 100.00% 0.00% 0.00% 0.00% 38.00% 62.00%

California Dedicated 96.09% 0.00% 3.72% 0.19% 73.00% 27.00%

Colorado Quasi-dedicated 79.80% 0.00% 1.40% 18.80% 91.60% 8.40%

Connecticut Dedicated 100.00% 0.00% 0.00% 0.00% 75.00% 25.00%

Delaware Dedicated 100.00% 0.00% 0.00% 0.00% 86.45% 13.55%

Dist. of Columbia Combination 100.00% 0.00% 0.00% 0.00% 55.00% 45.00%

Florida Dedicated 85.53% 12.91% 0.00% 1.56% 80.35% 19.65%

Georgia General 20.00% - 73.00% 7.00% 52.00% 48.00%

Guam General 0.00% 0.00% 100.00% 0.00% 30.00% 70.00%

Hawaii Dedicated 82.20% 1.50% 0.00% 16.30% 85.00% 15.00%

Idaho Quasi-dedicated 93.52% 0.00% 0.00% 6.48% 78.94% 21.06%

Illinois Dedicated 98.80% 0.00% 0.00% 1.20% 91.50% 8.50%

Indiana Dedicated 100.00% 0.00% 0.00% 0.00% 75.00% 25.00%

Iowa Quasi-dedicated 49.30% 0.00% 0.00% 50.70% 97.53% 2.47%

Kansas Dedicated 100.00% 0.00% 0.00% 0.00% 74.00% 26.00%

Kentucky Combination 98.00% 1.00% 0.00% 1.00% 89.00% 11.00%

Louisiana Combination 95.57% 2.18% 0.00% 2.25% 71.00% 29.00%

Maine Dedicated 100.00% 0.00% 0.00% 0.00% 80.00% 20.00%

Maryland Dedicated 98.00% 0.00% 0.00% 2.00% 70.00% 30.00%

Massachusetts Combination 100.00% 0.00% 0.00% 0.00% 80.00% 20.00%

Michigan Dedicated 100.00% 0.00% 0.00% 0.00% 95.30% 4.70%

Minnesota Combination 52.00% 0.00% 48.00% 0.00% 90.00% 10.00%

Mississippi General - - 100.00% - 65.00% 35.00%

Missouri Dedicated 92.48% 0.00% 0.00% 7.52% 91.76% 8.24%

Montana Dedicated 100.00% 0.00% 0.00% 0.00% 90.00% 10.00%

Nebraska Dedicated 97.00% - - 3.00% 75.00% 25.00%

Nevada Dedicated 88.34% 2.13% 0.00% 9.53% 63.00% 37.00%

New Hampshire Dedicated 100.00% - - - 77.00% 23.00%

New Jersey Quasi-dedicated 100.00% 0.00% 0.00% 0.00% 88.00% 12.00%

New Mexico Combination 87.00% 0.00% 0.00% 13.00% 87.00% 13.00%

New York Dedicated 100.00% 0.00% 0.00% 0.00% 79.00% 21.00%

North Carolina Dedicated 4.00% 2.00% 94.00% 0.00% 92.00% 8.00%

North Dakota Other 95.00% 2.00% 0.00% 3.00% 90.00% 10.00%

N. Mariana Islands General 0.00% 0.00% 100.00% 0.00% 25.00% 75.00%

Ohio Dedicated 94.34% 1.44% 0.00% 4.22% 70.22% 29.78%

Oklahoma Dedicated 94.00% 0.00% 0.00% 6.00% 72.00% 28.00%

Oregon Dedicated 92.00% 0.00% 0.00% 8.00% 77.00% 23.00%

Pennsylvania Combination 0.86% 0.00% 97.44% 1.70% 86.69% 13.31%

Puerto Rico Dedicated 90.61% 7.45% 0.00% 1.94% 80.00% 20.00%

Rhode Island Combination 12.44% 1.84% 82.15% 3.57% 98.80% 1.20%

South Carolina Combination 70.00% 0.00% 29.00% 1.00% 78.00% 22.00%

South Dakota Quasi-dedicated 0.00% 0.00% 100.00% 0.00% 75.00% 25.00%

Tennessee Other 100.00% 0.00% 0.00% 0.00% 80.00% 20.00%

Texas Dedicated 80.00% 0.00% 0.00% 20.00% 77.00% 23.00%


Utah Dedicated 90.00% 5.00% 0.00% 5.00% 85.00% 15.00%

Vermont Quasi-dedicated 100.00% 0.00% 0.00% 0.00% 85.00% 15.00%

Virginia Dedicated 100.00% 0.00% 0.00% 0.00% 40.00% 60.00%

Washington Dedicated 95.58% 0.00% 0.00% 4.42% 81.79% 18.21%

West Virginia Dedicated 100.00% 0.00% 0.00% 0.00% 90.00% 10.00%

Wisconsin Combination 100.00% 0.00% 0.00% 0.00% 68.00% 32.00%

Wyoming Dedicated 100.00% 0.00% 0.00% 0.00% 84.00% 16.00%

Average 79.97% 0.80% 16.24% 5.34% 76.72% 23.28%

(Overhead)Funding Type

Fees and

Assessments

Fines and

Penalties OtherFunds Regulation

Funding and Expenses - 2018

Table 9

Admin and

ExpensesFunding Type and Sources

OperationsGeneral



State

Alabama Fiscal $429,318,759 $370,029,024 $41,757,189 $226,835 $17,305,711

Alaska Fiscal $70,965,544 $62,892,123 $7,464,845 $564,406 $44,170

American Samoa - $0 - - - -

Arizona Fiscal $600,207,412 $568,387,640 $21,652,669 $749,422 $9,417,681

Arkansas Fiscal $300,013,953 $233,977,302 $47,225,749 $1,202,351 $17,608,551

California Fiscal $2,836,408,308 $2,553,746,242 $270,356,736 $8,614,778 $3,690,552

Colorado Fiscal $318,166,264 $304,516,629 $10,717,864 $409,366 $2,522,405

Connecticut Fiscal $218,232,759 $76,864,157 $139,200,355 $2,168,247 -

Delaware Calendar $151,393,133 $114,631,863 $35,187,450 $1,573,820 $0

Dist. of Columbia Fiscal $138,452,015 $115,290,314 $23,028,754 $132,947 $0

Florida Fiscal $418,443,661 $297,158,119 $73,914,156 $23,685,693 $23,685,693

Georgia Fiscal $1,163,713,278 $505,037,651 $49,318,269 $2,507,413 $606,849,944

Guam - $0 $0 $0 $0 $0

Hawaii Fiscal $172,846,543 $162,317,736 $10,317,827 $141,312 $69,668

Idaho Fiscal $119,133,707 $92,214,489 $26,151,132 $149,456 $618,630

Illinois Fiscal $538,921,617 $452,070,101 $83,879,252 $2,941,299 $30,965

Indiana Fiscal $401,976,337 $231,532,665 $18,828,693 $610,113 $151,004,866

Iowa Fiscal $155,296,371 $121,730,985 $33,179,698 $385,688 $0

Kansas Fiscal $216,338,764 $194,674,879 $21,053,649 $402,596 $207,640

Kentucky Fiscal $369,943,521 $330,099,506 $38,029,334 $1,785,889 $28,792

Louisiana Fiscal $1,006,847,540 $893,997,279 $112,049,490 $239,135 $561,636

Maine Fiscal $94,797,219 $77,506,030 $16,516,198 $774,991 $0

Maryland Fiscal $558,573,096 $525,915,536 $31,254,630 $1,402,930 $0

Massachusetts Fiscal $562,937,372 $381,888,550 $179,610,896 $1,437,926 $0

Michigan Fiscal $673,205,891 $643,816,366 $29,033,693 $355,833 $0

Minnesota Fiscal $526,449,000 $497,721,000 $25,295,000 $3,433,000 $0

Mississippi Fiscal $359,532,469 $330,464,802 $17,921,638 $388,299 $10,757,730

Missouri Fiscal $389,953,699 $369,422,657 $19,292,837 $1,213,411 $24,794

Montana Fiscal $114,212,090 $106,257,434 $7,574,692 $61,071 $318,893

Nebraska Fiscal $110,361,129 $89,350,178 $19,313,667 $107,250 $1,590,034

Nevada Fiscal $46,739,573 $14,159,998 $29,986,601 $721,542 $1,871,432

New Hampshire Fiscal $115,018,648 $96,787,835 $18,009,342 $221,471 $0

New Jersey Fiscal $677,509,898 $591,243,000 $80,193,072 $6,073,826 -

New Mexico Fiscal $370,043,730 $337,828,442 $31,423,143 $765,714 $26,431

New York Fiscal $2,464,485,000 $1,747,377,000 $701,800,000 $15,308,000 $0

North Carolina Fiscal $621,370,544 $566,105,324 $54,463,032 $802,188 $0

North Dakota Fiscal $72,016,935 $62,776,024 $8,329,614 $624,311 $286,986

N. Mariana Islands Calendar $32,364 $0 $185 $529 $31,650

Ohio Fiscal $670,029,022 $615,393,886 $51,543,523 $789,238 $2,302,375

Oklahoma Fiscal $351,520,859 $310,143,520 $39,448,262 $814,206 $1,114,871

Oregon Calendar $182,648,574 $76,705,693 $101,059,273 $1,206,462 $3,677,146

Pennsylvania Fiscal $892,528,883 $821,889,430 $67,050,048 $1,813,413 $1,775,992

Puerto Rico Fiscal $71,939,996 $60,183,768 $10,897,688 $653,611 $204,929

Rhode Island Fiscal $86,628,856 $49,522,113 $2,507,411 $370,737 $34,228,595

South Carolina Fiscal $246,498,921 $217,083,212 $28,747,523 $540,424 $127,762

South Dakota Fiscal $103,034,081 $90,507,636 $12,256,731 $253,784 $15,930

Tennessee Fiscal $965,214,065 $950,250,491 $13,802,088 $1,161,486 $0

Texas Fiscal 2,692,408,013 $2,356,335,353 $269,073,374 $55,009,983 $11,989,303

U.S. Virgin Islands - $0 - - - -

Utah Fiscal $177,225,600 $161,576,700 $14,841,900 $251,200 $555,800

Vermont Fiscal $79,954,670 $59,130,911 $20,610,860 $212,899 $0

Virginia Fiscal $583,919,733 $505,964,146 $76,606,725 $1,348,862 $0

Washington Fiscal $681,555,400 $630,656,888 $45,847,470 $3,760,596 $1,290,446

West Virginia Fiscal $246,287,000 $170,180,000 $37,057,000 $595,000 $38,455,000

Wisconsin Fiscal $251,172,000 $207,820,600 $42,974,400 $249,800 $127,200

Wyoming Calendar $39,793,579 $20,045,010 $3,167,457 $178,876 $16,402,236

Total $25,706,217,395 $21,423,178,237 $3,170,823,084 $151,393,635 $960,822,439

Percent of Total - 83.34% 12.33% 0.59% 3.74%

Revenues - 2018

Table 10

Calendar/

Fiscal Year

Total

Revenues

Fees and Fines and Other

Total Taxes Assessments Penalties Revenue



Examination and Oversight

Number of Insurers Insurance departments are responsible for monitoring

many different types of entities, including traditional insurance companies and non-traditional risk financiers. It should be noted, however, that the regulation of health maintenance organizations (HMOs) is not charged to the state insurance departments for all jurisdictions.

Insurers are traditionally classified as domestic, foreign, or alien. However, other non-traditional types of companies require regulatory resources.

Domestic Insurer: An insurance company domiciledin the state in which the business is written.

Foreign Insurer: An insurance company whose stateof domicile is other than the state in which thecompany is writing business.

Alien Insurer: An insurance company that isincorporated according to the requirements of acountry other than the United States.

Purchasing Group: A collection of individuals whoband together to purchase group insurance.Members usually have something in common, suchas belonging to a particular company, union, ortrade association.

Risk Retention Group: An insurance company thatprovides liability insurance to its member-owners.

Many captive insurers only report premium to their domiciliary state, and it can be difficult, if not impossible, for non-domiciliary states to provide allocations of premium written within their state. Therefore, because of the way captive insurers are regulated and their unique reporting requirements, captive insurers are no longer being reported in the IDRR – Volume One with other domestic insurers.

Company Examinations Insurance regulators are responsible for monitoring the

solvency of all insurers doing business in their respective states. However, with the number of companies licensed to do business in each state, as well as the multi-state nature of many insurance enterprises, it is inefficient for regulators to focus equal attention on all insurers. Typically, state insurance regulators focus primarily on those insurance companies domiciled in their respective states.

The task of monitoring non-domiciliary companies (foreign and alien companies) is generally delegated to the domiciliary state’s regulator. This results in each state placing heavy reliance on the quality and efficiency of its fellow state insurance regulators. The members of the NAIC have instituted an accreditation program to ensure that minimum standards of conduct are being followed by each state. In fact, 98% of financial exams completed in 2018 were conducted on domestic insurers. The ability to rely on their counterparts across the country allows state insurance regulators to more efficiently use their limited resources to protect insurance consumers. This also saves money for insurers, because they are not subject to redundant examinations.

To monitor solvency and evaluate market conduct, insurance companies are examined by the state insurance departments. Generally, companies are examined every three to five years. Special circumstances might warrant more frequent examinations of a specific company. Additionally, desk audits and solvency monitoring systems aid regulators in targeting companies for special attention.

Company examinations are either “single-state” or “multi-state” exams. Single-state exams are conducted by and reports are filed with one particular state or territory. Multi-state exams are generally performed on companies doing a significant amount of business in more than one state. These exams are called by the company’s domiciliary state, and other states are given the opportunity to participate. Examination reports resulting from such an exam are filed and may be accepted by each participating state.

Financial examinations investigate a company’s accounting methods, procedures and financial statement presentation. These exams verify and validate what is presented in the annual financial statement to ascertain whether the company is in good financial standing. The main thrust of these exams is the verification of the company’s solvency and whether the company has complied with state laws and regulations. Major improvements have been made in the examination process through increased examiner training, the use of specialized computer audit software, and enhancements to the Financial Condition Examiners Handbook.

Market conduct exams review agent licensing issues, complaints, types of products sold by the company and/or agents, agent sales practices, rating practices, claims handling, and other market-related aspects of an insurer’s operation.


34 Examination and Oversight

Statutory exams occur on a scheduled basis and cover every aspect related to the financial status or market conduct of the company. Discretionary exams are conducted when deemed necessary by a state insurance regulator. The exam may focus only on a specific area of concern, such as a company’s investment portfolio or reinsurance agreements, or could be a complete financial or market conduct examination.

In the tables that follow, the state totals reflect the number of examinations in which the insurance department was the lead state. The total number of exams in each category is broken down into examinations of domestic or foreign companies and between statutory and discretionary examinations.

Supervisions, Receiverships, and Companies in Run-Off

One of the responsibilities of a state insurance commissioner is to take control of an insurance company when an examination of its financial records or other evidence shows the company to be financially impaired. The commissioner then operates the company in the best interest of the policyholders and other creditors.

If the commissioner believes the company may be saved, the company is placed in rehabilitation by court order. In rehabilitation, the company is reorganized and may be allowed to continue or resume writing new business when it is once again financially sound. However, if it is not possible to restore the company’s financial health, the commissioner will normally decide to liquidate the company. In liquidation, once the company’s assets are sold and the payment of outstanding claims has been handled (property/casualty) or the business has been assumed by a solvent company (life/health), the company’s estate is closed. The corporate existence may be dissolved at any time after the entry of a liquidation order.

Occasionally, a company voluntarily decides to close its doors. In such cases, the company stops writing new business and stops renewing old business, but it is still responsible for claims associated with in-force and previously written policies. During this time, the company is said to be in run-off. Only after the last claim has been settled, paid, reinsured, or otherwise provided for is the company allowed to cease all operations.



Figure 5

Number of Domestic Insurers 2010-2018

Figure 6

Number of Domestic Insurers in 2018

2010 2011 2012 2013 2014 2015 2016 2017 2018

Insurers by Year 6,313 6,296 6,115 6,086 6,118 5,926 5,977 5,954 5,965

0

1,000

2,000

3,000

4,000

5,000

6,000

7,000

8,000

Nu

mb

er

of

Co

mp

an

ies



State

Alabama 40 1,439 0 12

Alaska 5 756 0 0

American Samoa 5 29 0 0

Arizona 120 1,597 24 24

Arkansas 56 1,495 0 1

California 133 1,116 0 45

Colorado 47 1,468 9 41

Connecticut 102 1,237 0 26

Delaware 140 1,339 0 113

Dist. of Columbia 50 1,341 0 13

Florida 432 1,647 14 49

Georgia 92 1,604 23 0

Guam 9 150 0 0

Hawaii 47 1,083 10 3

Idaho 19 1,373 14 2

Illinois 341 1,409 12 160

Indiana 140 1,633 16 20

Iowa 222 1,391 3 0

Kansas 47 1,517 17 13

Kentucky 51 1,507 10 11

Louisiana 105 1,483 22 5

Maine 22 1,169 18 1

Maryland 58 1,474 5 13

Massachusetts 80 1,330 25 4

Michigan 123 1,369 15 11

Minnesota 150 1,363 18 22

Mississippi 43 1,535 0 3

Missouri 181 1,528 11 9

Montana 39 1,391 0 5

Nebraska 104 1,459 6 5

Nevada 45 1,549 8 5

New Hampshire 57 1,149 0 3

New Jersey 119 1,311 50 21

New Mexico* 35 3,356 5 0

New York 577 1,170 9 81

North Carolina 85 1,452 3 4

North Dakota 30 1,351 8 2

N. Mariana Islands 10 51 0 0

Ohio 257 1,504 0 24

Oklahoma 79 1,498 5 6

Oregon 48 1,455 0 6

Pennsylvania 251 1,578 14 30

Puerto Rico 65 234 0 0

Rhode Island 31 1,304 1 24

South Carolina 72 1,595 0 10

South Dakota 38 1,385 0 0

Tennessee 72 1,566 3 6

Texas 410 1,576 6 52

U.S. Virgin Islands 7 139 0 0

Utah 103 1,743 0 10

Vermont 109 1,133 0 8

Virginia 62 1,526 15 17

Washington 34 1,290 0 7

West Virginia 29 1,363 1 2

Wisconsin 332 1,580 0 8

Wyoming 5 1,391 0 1

Total 5,965 74,481 400 938

Average 107 1,330 7 17

*New Mexico had 1,323 foreign insurers. The 3,356 were licensed foreign insurer lines of business totaled from Table 13. See technical notes.

Number of Regulated Entities - 2018

Table 11

Domestic Insurers

Licensed Foreign

Insurers

Domiciled Self-Insured Domiciled Purchasing

Groups or Pools Groups



State

Alabama 7 19 5 1 1 2 5

Alaska 0 4 0 0 0 0 1

American Samoa - 5 - - - - -

Arizona 25 40 31 0 1 11 12

Arkansas 24 12 8 0 1 0 11

California 14 99 - 2 4 0 14

Colorado 10 10 20 2 3 2 0

Connecticut 26 64 10 1 0 1 0

Delaware 25 100 6 2 0 3 4

Dist. of Columbia 0 7 6 0 0 37 0

Florida 9 116 68 0 5 0 234

Georgia 13 23 21 0 0 0 35

Guam 1 6 2 - - - 0

Hawaii 4 16 7 0 0 16 4

Idaho 1 10 7 0 0 0 1

Illinois 51 195 30 12 0 1 52

Indiana 26 61 12 2 3 0 36

Iowa 42 74 16 1 0 0 89

Kansas 11 25 7 0 0 0 4

Kentucky 6 8 18 0 0 3 16

Louisiana 30 34 14 2 2 0 23

Maine 3 12 6 0 0 1 0

Maryland 4 29 24 0 1 0 0

Massachusetts 16 48 13 2 1 0 0

Michigan 21 65 31 2 0 0 4

Minnesota 8 39 20 2 0 0 81

Mississippi 14 15 8 1 2 0 3

Missouri 28 44 23 1 1 0 84

Montana 1 13 5 - - 9 11

Nebraska 34 36 10 1 1 0 22

Nevada 0 11 17 0 0 14 3

New Hampshire 1 48 8 0 0 0 0

New Jersey 3 65 48 2 1 0 0

New Mexico 0 19 14 0 0 0 2

New York 82 171 54 4 7 0 259

North Carolina 10 53 11 0 1 10 0

North Dakota 3 11 3 0 0 0 13

N. Mariana Islands 0 10 0 0 0 0 0

Ohio 38 145 30 9 3 0 32

Oklahoma 24 31 13 0 4 2 5

Oregon 3 17 25 0 0 0 3

Pennsylvania 22 163 46 19 1 0 0

Puerto Rico 13 19 16 0 0 0 17

Rhode Island 2 24 4 0 0 0 1

South Carolina 6 20 12 0 2 32 0

South Dakota 2 15 7 0 1 0 13

Tennessee 10 15 15 1 1 9 21

Texas 123 200 60 6 10 1 10

U.S. Virgin Islands 0 6 1 - - - -

Utah 17 10 16 0 0 0 60

Vermont 1 12 4 0 1 85 6

Virginia 3 19 19 0 1 0 20

Washington 6 6 18 2 1 0 1

West Virginia 1 19 9 0 0 0 0

Wisconsin 17 167 50 5 0 0 93

Wyoming 0 2 3 0 0 0 0

Total 841 2,507 931 82 60 239 1,305

Annuities

Table 12

Number of Domestic Insurers by Type - 2018

Property/

Risk

Life/ Retention

Casualty Health Fraternal Group OtherTitle



StateAlabama 437 871 8 10 24 88 1Alaska 289 401 19 6 5 29 7American Samoa 12 16 - 1 - - -Arizona 450 951 35 31 26 102 2Arkansas 475 893 9 15 21 79 3California 401 664 - 36 15 0 0Colorado 443 872 5 34 18 96 0Connecticut 355 744 0 35 18 85 0Delaware 418 783 10 21 21 86 0Dist. of Columbia 434 788 11 23 23 62 0Florida 385 927 41 37 19 107 131Georgia 462 991 0 17 24 110 0Guam 57 62 2 1 4 1 23Hawaii 365 612 25 7 15 59 0Idaho 415 815 19 15 14 81 14Illinois 435 862 22 37 0 0 53Indiana 456 963 22 42 26 104 20Iowa 361 863 53 29 0 85 0Kansas 453 915 15 30 18 77 9Kentucky 417 906 55 20 22 87 0Louisiana 427 832 46 20 21 85 52Maine 345 714 4 12 17 77 0Maryland 389 882 61 31 24 87 0Massachusetts 370 706 2 26 17 117 92Michigan 416 791 1 48 18 95 0Minnesota 384 823 31 32 20 73 0Mississippi 469 919 7 14 20 75 31Missouri 462 907 23 28 20 88 0Montana 444 830 6 24 17 70 -Nebraska 442 882 8 29 18 76 4Nevada 449 911 15 15 24 85 50New Hampshire 326 687 30 16 15 75 0New Jersey 365 775 5 36 21 109 0New Mexico* 437 * * 13 22 80 0New York 50 708 16 30 16 121 229North Carolina 441 868 8 20 22 93 0North Dakota 437 797 5 19 18 66 9N. Mariana Islands 16 33 2 0 0 0 0Ohio 442 855 12 41 24 113 17Oklahoma 461 884 8 20 21 93 11Oregon 433 856 10 21 14 95 26Pennsylvania 441 934 3 35 25 140 0Puerto Rico 96 132 0 1 5 0 0Rhode Island 377 744 7 26 15 81 54South Carolina 414 1,019 41 20 21 80 0South Dakota 404 831 43 20 16 71 0Tennessee 462 949 6 19 24 106 0Texas 454 946 9 29 18 119 1U.S. Virgin Islands 71 59 4 1 4 - -Utah 445 900 2 16 22 77 281Vermont 315 687 26 14 12 42 37Virginia 398 913 61 23 21 110 0Washington 414 719 22 21 15 98 1West Virginia 434 800 6 28 18 77 0Wisconsin 365 823 39 36 19 0 298Wyoming 405 704 1 14 15 71 181Average** 375 759 17 22 17 77 31*New Mexico reported 1,637 foreign licensed P/C insurers and 1,167 foreign licensed health insurers. See technical notes.**Average does not include New Mexico foreign P/C or Health insurer counts.

Title Group OtherAnnuities Casualty Health Fraternal

Table 13

Number of Licensed Foreign Insurers by Type - 2018

Life/ RetentionProperty/Risk



State

Alabama 13 12 0 25

Alaska 3 0 3 6

American Samoa 0 0 0 0

Arizona 20 1 0 21

Arkansas 0 0 8 8

California 26 81 0 107

Colorado 9 5 0 14

Connecticut 12 50 0 62

Delaware 49 14 0 63

Dist. of Columbia 11 0 0 11

Florida 31 27 1 59

Georgia 12 0 0 12

Guam 4 4 0 8

Hawaii 3 0 0 3

Idaho 5 2 0 7

Illinois 91 28 0 119

Indiana 31 0 0 31

Iowa 17 21 0 38

Kansas 3 2 0 5

Kentucky 21 13 0 34

Louisiana 16 0 0 16

Maine 4 2 0 6

Maryland 13 14 0 27

Massachusetts 8 121 0 129

Michigan 45 5 0 50

Minnesota 22 3 0 25

Mississippi 1 2 6 9

Missouri 28 20 0 48

Montana 4 6 0 10

Nebraska 23 3 0 26

Nevada 8 0 0 8

New Hampshire 11 7 0 18

New Jersey 16 5 0 21

New Mexico 36 27 0 63

New York 69 17 23 109

North Carolina 12 10 0 22

North Dakota 6 1 0 7


Ohio 66 11 0 77

Oklahoma 15 15 0 30

Oregon 5 1 0 6

Pennsylvania 113 6 0 119


Rhode Island 2 1 0 3

South Carolina 11 0 0 11

South Dakota 15 1 0 16

Tennessee 18 0 14 32

Texas 0 24 94 118

U.S. Virgin Islands 0 0 0 0

Utah 7 4 1 12

Vermont 16 1 0 17

Virginia 24 12 0 36

Washington 14 0 0 14

West Virginia 8 4 0 12

Wisconsin 38 0 0 38

Wyoming 0 0 0 0

Total 1,035 598 150 1,783

Completed

Financial and Market Conduct Exams Completed - 2018

Table 14

Financial Exams

Only

Market Conduct Combined Financial/ Total Exams

Exams Only Market Conduct Exams



State

Alabama 13 13 0 13 0

Alaska 3 2 1 2 1

American Samoa 0 - - - -

Arizona 20 20 0 20 0

Arkansas 0 0 0 0 0

California 26 25 1 25 1

Colorado 9 9 0 9 0

Connecticut 12 12 0 12 0

Delaware 49 49 0 33 16

Dist. of Columbia 11 11 0 11 0

Florida 31 31 - 22 9

Georgia 12 12 0 9 3

Guam 4 4 0 4 -

Hawaii 3 3 0 3 0

Idaho 5 5 0 5 0

Illinois 91 91 0 84 7

Indiana 31 31 0 31 0

Iowa 17 17 0 17 0

Kansas 3 3 0 3 0

Kentucky 21 21 0 21 0

Louisiana 16 16 0 15 1

Maine 4 4 0 4 0

Maryland 13 13 0 13 0

Massachusetts 8 8 0 8 0

Michigan 45 45 0 45 0

Minnesota 22 22 0 22 0

Mississippi 1 1 0 1 0

Missouri 28 28 0 28 0

Montana 4 4 0 4 0

Nebraska 23 23 0 23 0

Nevada 8 8 0 7 1

New Hampshire 11 11 0 11 0

New Jersey 16 16 0 16 0

New Mexico 36 17 19 5 31

New York 69 69 0 69 0

North Carolina 12 12 0 12 0

North Dakota 6 6 0 6 0

N. Mariana Islands 0 0 0 0 0

Ohio 66 66 0 62 4

Oklahoma 15 15 0 15 0

Oregon 5 5 0 5 0

Pennsylvania 113 113 0 111 2

Puerto Rico 0 0 0 0 0

Rhode Island 2 2 0 2 0

South Carolina 11 11 0 11 0

South Dakota 15 15 0 15 0

Tennessee 18 18 0 16 2

Texas 0 0 0 0 0

U.S. Virgin Islands 0 - - - -

Utah 7 7 0 7 0

Vermont 16 16 0 16 0

Virginia 24 24 0 24 0

Washington 14 14 0 14 0

West Virginia 8 8 0 8 0

Wisconsin 38 38 0 38 0

Wyoming 0 0 0 0 0

Total 1,035 1,014 21 957 78

Table 15

Financial Exams - 2018

Total

Completed Domestic Foreign Statutory Discretionary



Exams EntitiesState Complete Include Domestic Foreign OtherAlabama 12 13 12 0 0 12 0Alaska 0 0 0 0 0 0 0American Samoa 0 - - - - - -Arizona 1 1 0 1 0 0 1Arkansas 0 0 0 0 - 0 0California 81 136 9 66 6 77 4Colorado 5 5 0 5 0 0 5Connecticut 50 7 4 46 - 0 50Delaware 14 - 2 12 0 0 14Dist. of Columbia 0 0 0 0 0 0 0Florida 27 29 2 25 0 1 26Georgia 0 4 - - - - -Guam 4 4 4 0 - 4 -Hawaii 0 0 0 0 - 0 0Idaho 2 2 - 2 - - 2Illinois 28 39 10 18 - 0 28Indiana 0 0 0 0 0 0 0Iowa 21 - 18 3 0 0 21Kansas 2 6 0 2 0 0 2Kentucky 13 13 6 7 - 0 13Louisiana 0 0 0 0 0 0 0Maine 2 3 0 2 - 2 0Maryland 14 23 0 14 0 0 14Massachusetts 121 121 23 98 - 8 113Michigan 5 5 3 2 - 0 5Minnesota 3 17 0 3 - 0 3Mississippi 2 2 1 1 - - 2Missouri 20 20 2 18 0 0 20Montana 6 6 6 - - 6 -Nebraska 3 3 2 1 0 2 1Nevada 0 0 0 0 - 0 0New Hampshire 7 0 1 6 0 0 7New Jersey 5 - 1 4 - 0 5New Mexico 27 27 8 19 - 0 27New York 17 23 16 1 0 16 1North Carolina 10 14 2 8 0 0 10North Dakota 1 1 0 1 0 0 1N. Mariana Islands 0 0 0 0 0 0 0Ohio 11 12 4 7 - 0 11Oklahoma 15 23 0 10 5 0 15Oregon 1 1 1 0 0 0 1Pennsylvania 6 6 0 6 0 0 6Puerto Rico 15 15 15 0 0 0 15Rhode Island 1 1 0 1 - 0 1South Carolina 0 0 0 0 0 0 0South Dakota 1 1 0 1 - 0 1Tennessee 0 - 0 0 - 0 0Texas 24 24 14 10 - 0 24U.S. Virgin Islands 0 - - - - - -Utah 4 4 3 1 0 0 4Vermont 1 1 0 1 0 0 1Virginia 12 29 1 11 - 0 12Washington 0 0 0 0 0 0 0West Virginia 4 4 1 3 - 1 3Wisconsin 0 - 0 0 - 0 0Wyoming 0 - 0 0 - 0 0Total 598 645 171 416 11 129 469

Table 16

Market Conduct Exams - 2018

Statutory Discretionary



State Domestic Foreign OtherAlabama 0 0 0 0 0 0Alaska 3 0 3 0 0 3American Samoa 0 - - - - -Arizona 0 0 0 0 0 0Arkansas 8 8 0 0 8 0California 0 0 0 0 0 0Colorado 0 0 0 0 0 0Connecticut 0 0 0 0 0 0Delaware 0 0 0 0 0 0Dist. of Columbia 0 0 0 0 0 0Florida 1 1 0 0 1 0Georgia 0 0 0 0 0 0Guam 0 - - - - -Hawaii 0 0 0 0 0 0Idaho 0 0 0 0 0 0Illinois 0 0 0 0 0 0Indiana 0 0 0 0 0 0Iowa 0 0 0 0 0 0Kansas 0 0 0 0 0 0Kentucky 0 0 0 0 0 0Louisiana 0 - - - - -Maine 0 0 0 0 0 0Maryland 0 0 0 0 0 0Massachusetts 0 0 0 0 0 0Michigan 0 0 0 0 0 0Minnesota 0 0 0 0 0 0Mississippi 6 6 - - 6 -Missouri 0 0 0 0 0 0Montana 0 - - - - -Nebraska 0 0 0 0 0 0Nevada 0 0 0 0 0 0New Hampshire 0 0 0 0 0 0New Jersey 0 0 0 0 0 0New Mexico 0 0 0 0 0 0New York 23 23 0 0 23 0North Carolina 0 0 0 0 0 0North Dakota 0 0 0 0 0 0N. Mariana Islands 0 0 0 0 0 0Ohio 0 0 0 0 0 0Oklahoma 0 0 0 0 0 0Oregon 0 0 0 0 0 0Pennsylvania 0 0 0 0 0 0Puerto Rico 0 0 0 0 0 0Rhode Island 0 0 0 0 0 0South Carolina 0 0 0 0 0 0South Dakota 0 0 0 0 0 0Tennessee 14 14 0 0 14 0Texas 94 94 0 0 94 0U.S. Virgin Islands 0 - - - - -Utah 1 1 0 0 0 1Vermont 0 0 0 0 0 0Virginia 0 0 0 0 0 0Washington 0 0 0 0 0 0West Virginia 0 0 0 0 0 0Wisconsin 0 0 0 0 0 0Wyoming 0 0 0 0 0 0Total 150 147 3 0 146 4

Table 17

Combined Financial/Market Conduct Exams - 2018

TotalCompleted Statutory Discretionary



Market Actions

State

Alabama - - - -

Alaska 13 0 13 6


Arizona 10 0 10 13

Arkansas - - - -

California 0 0 0 0

Colorado 63 0 63 63

Connecticut 7 0 7 7

Delaware - - - -


Florida 354 0 354 354

Georgia 5 2 3 38

Guam - - - -

Hawaii 0 0 0 0

Idaho 12 0 12 12

Illinois - - - -

Indiana - - - -

Iowa - - - -

Kansas 21 0 21 21

Kentucky 1 - 1 0

Louisiana 38 0 38 38

Maine 2 0 2 2

Maryland 226 0 226 321


Michigan 12 0 12 15

Minnesota 0 0 0 0

Mississippi - - - -

Missouri 73 0 73 75

Montana 4 4 - 4

Nebraska 3 0 3 4

Nevada - - - -


New Jersey - - - -

New Mexico 0 0 0 0

New York 7 0 7 11




Ohio 5 - 5 16

Oklahoma 2 0 2 39

Oregon 4 0 4 200



Rhode Island - - - -



Tennessee - - - -

Texas 100 94 6 100


Utah 5 0 5 5

Vermont 8 0 8 2

Virginia 16 0 16 34

Washington 65 0 65 59

West Virginia - - - -

Wisconsin 1 0 1 418

Wyoming 0 - - 0

Total 1,427 145 1,282 2,197

Table 18

Market Actions - 2018

Actions Including Focused Inquiries

Entities Included in Closed Market

Total Statutory Discretionary and Regulatory Interventions



State

Alabama 5 0 0 16 0 0 0

Alaska 0 0 0 0 0 0 0


Arizona 2 0 0 1 1 0 0

Arkansas 9 0 0 0 28 0 0

California 0 0 0 0 0 0 0

Colorado 0 0 0 0 0 0 0

Connecticut 1 0 0 0 39 0 0

Delaware 0 0 0 0 14 0 0

Dist. of Columbia 1 0 0 0 0 0 0

Florida 0 1 1 1 0 0 354

Georgia 0 0 0 0 0 0 14

Guam - - - - - - -

Hawaii 0 2 0 0 0 0 0

Idaho 6 0 0 7 13 0 2

Illinois 3 1 0 0 25 0 0

Indiana 0 0 0 3 0 0 0

Iowa 1 0 0 0 0 0 0

Kansas 0 0 0 5 0 0 3

Kentucky 19 0 0 0 11 0 0

Louisiana 1 9 0 27 0 0 0

Maine 0 0 0 0 2 0 0

Maryland 0 0 1 0 16 0 0

Massachusetts 0 0 0 0 1 0 0

Michigan 0 2 0 0 517 0 9

Minnesota 0 0 0 1 3 0 0

Mississippi 1 - - - - - -

Missouri 0 0 0 0 68 0 25

Montana 0 0 0 0 4 - -

Nebraska 0 0 1 0 3 - -

Nevada 0 3 0 159 0 1 0

New Hampshire 0 0 0 0 0 0 0

New Jersey 0 0 0 0 1 0 0

New Mexico 0 0 0 0 7 0 0

New York 0 0 0 0 32 0 123

North Carolina 0 0 1 3 1 0 0

North Dakota 1 1 0 0 4 0 4

N. Mariana Islands 0 0 0 0 0 0 0

Ohio 2 0 0 4 0 0 0

Oklahoma 2 0 0 0 0 0 0

Oregon 3 0 0 0 0 0 0

Pennsylvania 0 0 1 4 0 0 0

Puerto Rico 0 0 1 0 75 0 30

Rhode Island 0 0 0 0 5 0 8

South Carolina 1 0 0 0 16 0 0

South Dakota 26 0 0 0 25 0 58

Tennessee 2 0 2 4 2 0 0

Texas - - 2 - 191 - 34


Utah 0 0 0 0 26 0 52

Vermont 0 0 0 0 1 0 0

Virginia 3 0 0 0 22 8 3

Washington 4 4 0 0 46 0 0

West Virginia 0 1 0 0 39 0 174

Wisconsin 0 0 0 34 30 0 0

Wyoming 6 0 0 0 0 0 23

Total 99 24 10 269 1,268 9 916

Certificate of Authority

Suspended Revoked

Delinquency

Order

Table 19

Actions Taken Against Companies in 2018Financial/Regulatory Market Conduct

Other Other

Administrative

Order

Judicial

Order



State

Alabama 0 0 1 0 2

Alaska 0 0 0 0 0


Arizona 0 0 0 0 1

Arkansas 0 0 0 0 0

California 0 0 0 0 0

Colorado 0 0 0 0 0

Connecticut 0 3 41 0 1

Delaware 0 8 1 0 207

Dist. of Columbia 0 0 2 0 1

Florida 0 1 0 0 0

Georgia - - - - -

Guam - - - - -

Hawaii 0 0 0 0 0

Idaho 0 0 0 0 0

Illinois 0 0 0 0 18

Indiana 0 5 0 0 42

Iowa 0 3 1 0 0

Kansas 1 0 0 0 0

Kentucky 0 0 0 0 0

Louisiana 0 0 0 1 0

Maine 0 1 0 0 36

Maryland 0 0 6 0 0

Massachusetts 0 0 1 0 16

Michigan 0 0 0 0 7

Minnesota 0 0 0 0 0

Mississippi - - - - -

Missouri 0 5 2 0 0

Montana 3 2 - - 6

Nebraska 0 5 2 0 0

Nevada 0 0 0 0 28

New Hampshire 0 0 0 0 0

New Jersey 0 10 0 0 0

New Mexico 0 0 0 0 0

New York 0 0 0 0 6

North Carolina 0 0 0 0 30

North Dakota 0 2 0 0 0


Ohio 0 0 0 0 0

Oklahoma 1 6 0 0 12

Oregon 0 1 14 0 0

Pennsylvania 0 0 0 0 45

Puerto Rico 47 1 0 1 0

Rhode Island 1 0 0 0 2

South Carolina 0 0 0 0 0

South Dakota 0 3 0 0 0

Tennessee 0 2 0 0 0

Texas - - - - 34


Utah 0 0 0 0 12

Vermont 0 0 0 0 0

Virginia 0 0 3 0 0

Washington 1 3 0 0 4

West Virginia 3 0 0 0 0

Wisconsin 0 6 - 0 0

Wyoming 0 0 0 0 1

Total 57 67 74 2 511

Holding Company Rate Reports Other

Table 20

Formal Hearings - 2018

Company

Disciplinary

Acquisition and Examination



State

Alabama 0 0 0 $0

Alaska 0 0 0 -


Arizona 0 0 0 $0

Arkansas 0 0 0 $0

California 0 0 0 $0

Colorado 0 0 0 $0

Connecticut 0 0 1 $16,919,673

Delaware 0 1 6 $992,000,000

Dist. of Columbia 0 0 0 $0

Florida 0 2 6 $4,980,439

Georgia 0 0 0 $0

Guam - - - -

Hawaii 0 0 0 $0

Idaho 0 0 0 -

Illinois 0 0 0 $0

Indiana 0 1 7 $3,749,847,613

Iowa - - - -

Kansas 0 0 0 $0

Kentucky 0 0 1 $0

Louisiana 0 0 0 $0

Maine - - 1 $1,970,963

Maryland 0 0 1 $175,254,373

Massachusetts 0 0 0 $0

Michigan 0 2 0 $0

Minnesota 0 0 0 $0

Mississippi 0 0 0 $0

Missouri 0 0 0 $0

Montana 0 0 4 $0

Nebraska - - - -

Nevada 2 0 4 $91,000,000

New Hampshire - - - $0

New Jersey - - - -

New Mexico 0 0 0 $0

New York 0 0 0 $0

North Carolina 0 0 0 $0

North Dakota 0 0 0 $0

N. Mariana Islands 0 0 0 $0

Ohio 1 0 8 $2,157,092,000

Oklahoma 0 0 0 $0

Oregon 2 - 3 $4,532,671

Pennsylvania 0 2 10 $4,627,231,626

Puerto Rico 0 0 0 $0

Rhode Island - - 2 $4,205,756

South Carolina 0 0 0 $0

South Dakota 0 0 0 $0

Tennessee 1 0 1 -

Texas 0 0 0 $0


Utah 0 0 0 $0

Vermont 1 3 5 $22,542,316

Virginia 0 0 0 $0

Washington 0 0 0 $0

West Virginia 0 0 0 $0

Wisconsin 0 0 3 $1,893,683,760

Wyoming 0 0 0 $0

Total 7 11 63 $13,741,261,190

*As run-offs may also have supervision, rehabilitation, or conservation status, additional run-offs could exist in the other categories.

Table 21A

Supervisions, Receiverships and Companies in Run-Off - 2018Companies in Run-Off*

Initiated Completed In Progress

In Progress

Claims Liability



State

Alabama 0 0 0 $0

Alaska 0 0 0 -


Arizona 0 0 0 $0

Arkansas 0 0 0 $0

California 0 0 0 $0

Colorado 0 1 0 $0

Connecticut 1 0 1 $0

Delaware 1 0 1 $786,000,000


Florida 1 1 1 $5,530,235

Georgia 0 0 0 $0

Guam - - - -

Hawaii 0 0 0 $0

Idaho 0 0 0 -

Illinois 0 0 0 $0

Indiana 0 1 0 $0

Iowa - - - -

Kansas 0 0 0 $0

Kentucky 0 0 0 $0

Louisiana 4 1 4 $80,000

Maine - - 1 -

Maryland 0 0 0 $0


Michigan 0 1 0 $0

Minnesota 0 0 1 $40,469,192


Missouri 0 0 0 $0

Montana 0 0 0 $0

Nebraska 1 - 1 $98,000

Nevada 0 0 0 $0


New Jersey - 1 2 $167,997,197

New Mexico 1 0 1 $0

New York 0 0 0 $0

North Carolina 3 1 3 $3,151,993,250



Ohio 0 0 0 $0

Oklahoma 1 0 1 $4,653,428

Oregon - - 1 $210,634

Pennsylvania 0 0 2 $790,365,679





Tennessee 1 0 3 $0

Texas 4 2 2 $13,596,633


Utah 0 0 0 $0

Vermont 0 0 0 $0

Virginia 0 0 0 $0

Washington 0 0 2 $0


Wisconsin 0 0 0 $0

Wyoming 0 0 0 $0

Total 18 9 28 $4,960,994,248

Initiated Completed In Progress Claims Liability

Table 21B

Supervisions, Receiverships and Companies in Run-Off - 2018Supervisions

In Progress



State

Alabama 0 0 0 $0

Alaska 0 0 0 -


Arizona 0 0 0 $0

Arkansas 0 0 0 $0

California 0 0 1 $1,544,891

Colorado 0 0 0 $0


Delaware - - 0 -


Florida 0 0 0 $0

Georgia 0 0 0 $0

Guam - - - -

Hawaii 0 0 0 $0

Idaho 0 0 0 -

Illinois 0 0 0 $0

Indiana 0 0 0 $0

Iowa - - - -

Kansas 0 0 0 $0

Kentucky 0 0 0 $0

Louisiana 0 0 0 $0

Maine - - - -

Maryland 1 0 2 $86,750,903


Michigan 0 0 0 $0

Minnesota 0 0 0 $0


Missouri 0 0 0 $0

Montana 0 0 0 $0

Nebraska - - - -

Nevada 0 0 0 $0


New Jersey 0 0 0 $0

New Mexico 0 0 0 $0

New York 0 0 0 $0

North Carolina 0 0 0 $0



Ohio 0 0 0 $0

Oklahoma 0 0 0 $0

Oregon - - 1 $220,855

Pennsylvania 0 0 0 $0





Tennessee 0 0 0 $0

Texas 0 0 0 $0


Utah 0 0 0 $0

Vermont 0 0 0 $0

Virginia 0 0 0 $0

Washington 0 0 0 $0


Wisconsin 0 0 0 $0

Wyoming 0 0 0 $0

Total 1 0 4 $88,516,649


Table 21C

Supervisions, Receiverships and Companies in Run-Off - 2018Receiverships - Conservations/Supervisions

In Progress



State

Alabama 0 1 0 $0

Alaska 0 0 0 -


Arizona 0 0 1 $2,006,318,114

Arkansas 0 0 2 $2,700,000

California 0 0 0 $0

Colorado 0 0 0 $0


Delaware - - 1 $4,314,581


Florida 0 0 2 $1,009,516

Georgia 0 0 2 $0

Guam - - - -

Hawaii 0 0 0 $0

Idaho 0 0 0 -

Illinois 0 0 7 $1,088,982,443

Indiana 1 0 2 $1,437,931

Iowa - - - -

Kansas 0 0 0 $0

Kentucky 1 0 2 $167,000,000

Louisiana 1 0 7 $4,024,572

Maine - - - -

Maryland 0 0 0 $0


Michigan 0 0 0 $0

Minnesota 0 0 0 $0


Missouri 0 0 0 $0

Montana 0 0 0 $0

Nebraska - - 1 $3,798,000

Nevada 0 0 0 $0


New Jersey 0 0 0 $0

New Mexico 0 0 0 $0

New York 0 0 0 $0

North Carolina 1 0 1 $48,872,113



Ohio 0 0 0 $0

Oklahoma 0 1 0 $0

Oregon - - - -

Pennsylvania 0 0 0 $0

Puerto Rico 0 1 1 -


South Carolina 0 1 1 $5,057,000


Tennessee 0 0 0 $0

Texas 1 0 3 $285,459,423


Utah 0 0 1 $1,000,000

Vermont 0 0 0 $0

Virginia 0 0 0 $0

Washington 0 0 0 $0


Wisconsin 0 1 0 $0

Wyoming 0 0 0 $0

Total 5 6 36 $3,619,973,693


Table 21D

Supervisions, Receiverships and Companies in Run-Off - 2018Receiverships - Rehabilitations

In Progress



State

Alabama 1 0 5 $9,015,324

Alaska 0 0 0 -


Arizona 0 0 2 $211,500,674

Arkansas 0 1 9 $26,915,000

California 1 1 14 $12,137,672,001

Colorado 0 0 1 $0

Connecticut 0 0 1 $17,940,705

Delaware - - 11 $1,128,646,160

Dist. of Columbia 0 0 5 $59,431,570

Florida 2 8 11 $1,499,996,820

Georgia 0 3 12 $0

Guam - - - -

Hawaii 0 0 6 $16,700,000

Idaho 0 0 1 -

Illinois 1 2 8 $1,919,313,709

Indiana 0 2 1 $5,688,746

Iowa - - - -

Kansas 0 0 0 $0

Kentucky 0 0 1 $105,000,000

Louisiana 1 1 1 $2,387,736

Maine - - - -

Maryland 0 0 0 $0

Massachusetts 1 0 3 $353,400,000

Michigan 0 0 2 $102,295,355

Minnesota 0 0 1 $65,000

Mississippi 0 2 4 $133,310,114

Missouri 0 1 8 $530,278,187

Montana 0 0 2 $11,075,880

Nebraska - - - -

Nevada 0 4 6 $79,044,409

New Hampshire - - 1 $4,033,699,000

New Jersey 0 0 7 -

New Mexico 0 0 0 $0

New York 2 1 18 $6,061,770,423

North Carolina 0 0 1 $19,826,727



Ohio 0 0 1 $1,402,236

Oklahoma 0 0 13 $281,576,752

Oregon - - 1 $17,711,715

Pennsylvania 1 1 11 $13,931,774,656

Puerto Rico 0 0 2 -

Rhode Island - - 2 $15,986,234

South Carolina 0 1 4 $137,540,362

South Dakota 1 0 1 -

Tennessee 0 0 3 $0

Texas 1 2 16 $1,852,162,843


Utah 0 0 6 $209,801,297

Vermont 1 0 2 $11,200,000

Virginia 0 0 2 $16,429,491

Washington 0 0 0 $0


Wisconsin 0 1 0 $0

Wyoming 0 0 1 $25,000,000

Total 13 31 207 $44,965,559,126

Table 21E

Supervisions, Receiverships and Companies in Run-Off - 2018Receiverships - Liquidations

In Progress




Insurance Producers

In 2018 9.46 million individuals and entities were

licensed to provide insurance services in the United States.

The following types of licenses are listed in this report:

Licensed Producers/Adjusters:

• Producers: Licensed to offer several insurance

services.

• Surplus Lines Brokers: Licensed to place insurance

with companies that are not licensed in the broker’s

state. Coverage must be unavailable from

companies licensed in the state.

• Bail Bonds: Licensed to sell bail bonds in the

indicated state.

• Adjusters: Independent individual/entity contracted

by an insurance company or policyholder to review

claims brought against the insurer and make

settlement recommendations.

• Other: Includes any issued license that does not fit

into one of the above categories.

Non Risk-Bearing Organizations:

• Premium Finance Companies: Loan money for

insurance premiums to policyholders. The amount

loaned, including fees and interest, is then repaid

over time.

• Third-Party Administrators: Perform managerial

and clerical duties related to an employee insurance

program on behalf of another company. Commonly

used by self-insured employers.

• Utilization Review: Examine health care usage to

determine if treatment received is consistent with an

injury and appropriate for the insurance plan.

• Rating/Advisory Organizations: Develop rates, loss

costs, coverages, and policy forms for member

insurance companies based on data collected from

the companies.

• Managing General Agents: Manage all or part of an

insurance company’s business, including writing

business, underwriting and claims settlement.

• Other: Includes any issued license that does not fit

into one of the above categories.

The sum of the license types issued does not equal the

total number of producers, because an individual or entity

may hold more than one license in a particular state. Thus,

a person licensed as both a producer and a surplus lines

broker would be counted as two licenses.

States also distinguish between resident and non-

resident producers, and many have separate licensing

requirements for these two groups. Such requirements are

usually stricter for resident producers, as it is presumed

that the non-resident producer’s state of domicile strictly

scrutinizes the activities of resident producers in the state.

State insurance departments monitor the activities of

producers licensed in their respective states as part of their

market conduct regulation responsibilities. When

producers operate in multiple jurisdictions, insurance

departments must coordinate their efforts to track

producers and prevent violations. Special databases are

maintained by the NAIC to assist the states by sharing

information about the activities of insurance producers.

The Regulatory Information Retrieval System (RIRS)

contains information on producers and companies against

which some type of regulatory action has been taken.

The National Insurance Producer Registry (NIPR), an

independent non-profit affiliate of the NAIC, developed

and implemented the national repository for producer

license information (PDB) and established a network to

facilitate the electronic exchange of producer information

(NIPR Gateway).

The PDB is an electronic database consisting of

information relating to insurance agents and brokers

(producers). The PDB links state regulatory licensing

systems into one common system establishing a repository

of producer licensing information. The PDB also includes

data from the Regulatory Information Retrieval System

(RIRS) of the NAIC to provide a more comprehensive

producer profile.

The NIPR Gateway is an electronic communication

network that links state insurance regulators with the

entities they regulate. The goal is to simplify

communications and to distribute information

electronically, including licensing applications,

appointments and terminations. The NIPR Gateway was

designed to improve the effectiveness and efficiency of the

state licensing process among all parties through

automation, standardization and reciprocity.


52 Insurance Producers

State

Alabama 161,368 32,453 128,915 11,416 2,498 8,918

Alaska 66,455 3,346 63,109 5,151 311 4,840

American Samoa 0 - - 0 - -

Arizona 237,241 51,574 185,667 16,849 3,806 13,043

Arkansas 135,291 20,560 114,731 9,723 2,072 7,651

California 384,679 230,703 153,976 22,318 13,276 9,042

Colorado 166,580 39,768 126,812 13,736 3,566 10,170

Connecticut 128,189 21,516 106,673 10,141 1,972 8,169

Delaware 143,302 5,409 137,893 7,858 780 7,078

Dist. of Columbia 91,318 1,290 90,028 6,503 119 6,384

Florida 470,798 231,208 239,590 100,663 60,759 39,904

Georgia 242,623 77,650 164,973 23,062 8,027 15,035

Guam 584 441 143 98 34 64

Hawaii 63,642 7,733 55,909 4,581 671 3,910

Idaho 109,949 9,824 100,125 8,276 1,092 7,184

Illinois 219,784 75,332 144,452 16,855 6,452 10,403

Indiana 170,900 41,178 129,722 13,985 3,623 10,362

Iowa 131,709 26,312 105,397 6,915 1,108 5,807

Kansas 139,220 23,229 115,991 12,889 4,528 8,361

Kentucky 220,028 25,117 194,911 10,529 2,204 8,325

Louisiana 145,715 35,917 109,798 11,591 3,754 7,837

Maine 144,608 7,565 137,043 7,057 751 6,306

Maryland 180,090 38,257 141,833 12,614 2,785 9,829

Massachusetts 134,152 30,584 103,568 7,514 2,411 5,103

Michigan 298,281 63,006 235,275 20,337 8,165 12,172

Minnesota 129,281 35,944 93,337 9,648 3,056 6,592

Mississippi 110,710 18,932 91,778 8,561 1,613 6,948

Missouri 168,318 44,308 124,010 14,614 4,987 9,627

Montana 91,474 6,575 84,899 9,548 1,597 7,951

Nebraska 99,179 15,226 83,953 8,714 2,227 6,487

Nevada 151,816 20,017 131,799 11,786 1,897 9,889

New Hampshire 83,858 6,461 77,397 6,306 604 5,702

New Jersey 197,820 56,545 141,275 16,345 5,097 11,248

New Mexico 151,747 8,078 143,669 7,494 775 6,719

New York 299,540 137,108 162,432 28,194 16,959 11,235

North Carolina 327,229 80,906 246,323 15,463 4,754 10,709

North Dakota 73,304 5,395 67,909 6,673 948 5,725

N. Mariana Islands 23 23 0 66 66 0

Ohio 227,062 70,931 156,131 18,225 6,927 11,298

Oklahoma 130,602 25,019 105,583 12,709 2,409 10,300

Oregon 128,909 18,569 110,340 12,090 2,154 9,936

Pennsylvania 233,610 74,102 159,508 17,012 5,458 11,554

Puerto Rico 9,930 8,997 933 1,331 792 539

Rhode Island 82,259 5,780 76,479 2,264 309 1,955

South Carolina 281,193 38,048 243,145 12,390 2,892 9,498

South Dakota 78,098 7,325 70,773 5,791 669 5,122

Tennessee 188,828 48,494 140,334 10,097 1,752 8,345

Texas 374,074 185,331 188,743 25,389 11,666 13,723

U.S. Virgin Islands 0 - - 0 - -

Utah 136,627 25,176 111,451 11,074 2,599 8,475

Vermont 78,586 3,479 75,107 4,042 231 3,811

Virginia 276,377 70,235 206,142 14,396 5,090 9,306

Washington 146,516 28,794 117,722 12,868 3,629 9,239

West Virginia 107,031 9,165 97,866 6,983 776 6,207

Wisconsin 152,724 37,682 115,042 6,450 1,104 5,346

Wyoming 73,169 2,555 70,614 8,112 592 7,520

Total 8,776,400 2,195,172 6,581,228 685,296 228,393 456,903

*Total Business Entities may not equal the sum of Resident plus Non-Resident Business Entities as some states do not

maintain categories of Resident and Non-Resident.

Business Entities

Table 22

Licensed Producers - 2018

Total Resident Non-Resident Total* Resident Non-Resident

Individuals



State

Alabama 143,357 2,715 202 23,733 -

Alaska 60,343 1,994 12 7,979 19


Arizona 237,174 3,113 174 16,355 1,165

Arkansas 114,201 1,526 0 16,227 2,286

California 400,335 6,662 2,841 3,150 2,259

Colorado 180,316 2,248 0 413 0

Connecticut 138,016 2,720 381 90,780 1,221

Delaware 85,458 2,264 67 59,020 4,351

Dist. of Columbia 97,821 2,186 2 132 1,841

Florida 640,666 2,494 2,355 142,879 0

Georgia 265,587 2,226 0 34,474 1,498

Guam 682 35 - 60 -

Hawaii 68,223 2,051 0 3,102 133

Idaho 101,690 1,657 309 14,174 64

Illinois 219,784 2,509 0 733 0

Indiana 178,796 2,658 265 20,533 983

Iowa 131,709 1,888 0 130 0

Kansas 139,220 1,823 456 145 14,686

Kentucky 144,492 2,513 - 85,235 250

Louisiana 157,306 3,252 1,096 89,151 0

Maine 144,608 1,881 0 16,471 57

Maryland 170,777 1,927 0 508 6,878

Massachusetts 141,666 2,940 - 309 6,175

Michigan 291,595 2,863 0 20,638 1,886

Minnesota 138,929 1,726 378 19,364 276

Mississippi 113,528 3,639 1,453 21,785 3,308

Missouri 182,932 2,153 793 173 3,209

Montana 91,474 2,513 118 13,404 1,426

Nebraska 97,469 1,349 0 73 4,202

Nevada 145,732 2,982 333 15,046 3,800

New Hampshire 83,858 2,485 0 69,334 0

New Jersey 214,165 4,896 490 - 1,388

New Mexico 94,469 2,084 100 61,231 1,067

New York 276,327 3,895 298 18,463 557

North Carolina 300,882 2,491 2,071 87,900 36,721

North Dakota 73,304 1,306 62 - 48


Ohio 241,460 3,147 772 276 3,370

Oklahoma 136,442 2,637 558 84,624 1,197

Oregon 138,990 3,161 0 15,559 104

Pennsylvania 250,622 4,006 0 1,138 14,692

Puerto Rico 9,756 148 114 2,243 496

Rhode Island 79,750 1,582 0 72,288 0

South Carolina 180,870 3,351 674 92,806 4,166

South Dakota 83,889 1,421 44 0 0

Tennessee 189,274 4,801 1,257 446 0

Texas 398,976 7,078 0 138,392 3,684


Utah 129,661 2,583 390 14,495 20

Vermont 77,682 1,391 30 64,334 91

Virginia 292,233 2,298 0 246 1,324

Washington 159,376 2,995 348 13,012 -

West Virginia 107,031 1,466 - 32,828 8

Wisconsin 152,725 1,773 0 0 96

Wyoming 81,281 2,230 0 61,183 0

Total 8,776,998 135,743 18,443 1,546,986 131,002

Bail Bonds Adjusters Other

Table 22 (continued)

Licensed Producers - 2018Licensed Producers/Adjusters

Producers

Surplus Lines

Brokers



State

Alabama 70 0 - 12 26 -

Alaska 0 446 0 0 80 743


Arizona 36 311 23 23 0 185

Arkansas 0 350 0 0 33 209

California 0 791 0 34 46 0

Colorado 0 0 0 24 60 0

Connecticut 41 293 59 - - 0

Delaware 23 278 1 13 0 0

Dist. of Columbia 26 0 0 8 45 278

Florida 0 0 0 0 331 0

Georgia 82 358 - 0 0 1,177

Guam - - - - 237 -

Hawaii 0 0 0 0 47 0

Idaho 0 349 0 16 33 177

Illinois 134 460 240 0 0 0

Indiana 0 327 125 16 35 272

Iowa - 388 - 19 - -

Kansas 29 334 62 13 101 85

Kentucky 45 1,840 105 16 92 90

Louisiana 0 387 79 0 46 0

Maine 0 339 81 15 39 0

Maryland 59 355 102 - - 0

Massachusetts - - - - - -

Michigan 52 429 0 0 122 0

Minnesota 8 374 79 19 70 574

Mississippi 0 314 0 0 94 -

Missouri 0 422 110 34 50 338

Montana 23 304 0 20 42 41

Nebraska 0 420 145 18 87 0

Nevada 30 379 122 18 89 9

New Hampshire 17 260 63 15 39 9

New Jersey 71 185 0 8 98 241

New Mexico 32 590 0 0 0 0

New York 0 0 0 0 0 0

North Carolina 79 - - - - 1,161

North Dakota 25 240 92 - 53 -

N. Mariana Islands 0 0 0 0 0 0

Ohio 0 587 0 0 70 0

Oklahoma - 319 116 21 212 0

Oregon 0 354 0 0 121 79

Pennsylvania 62 546 0 0 69 358

Puerto Rico 0 0 0 4 224 0

Rhode Island 0 317 0 15 35 0

South Carolina 70 350 89 25 15 268

South Dakota 0 371 98 17 105 175

Tennessee 0 306 148 18 0 5

Texas 220 694 204 15 573 0


Utah 0 449 0 0 103 0

Vermont 0 0 0 0 0 0

Virginia 69 0 0 0 25 0

Washington - - - - 38 -

West Virginia 0 369 0 11 32 0

Wisconsin 0 362 0 27 107 0

Wyoming 0 188 0 0 32 192

Total 1,303 16,735 2,143 494 3,756 6,666

General Agents OtherCompanies

Third-Party Utilization Rating/Advisory

Administrators Review Organizations


Licensed Producers - 2018Non Risk-Bearing Organizations

Premium Finance Managing



State

Alabama 62 1 2 0

Alaska 0 3 0 1


Arizona 3 28 4 5

Arkansas 44 18 0 2

California 44 276 4 319

Colorado 14 6 1 18

Connecticut 0 14 0 5

Delaware 31,281 46 0 0


Florida 99 142 4 344

Georgia 12 6 3 17

Guam - - - -

Hawaii 0 4 0 0

Idaho 0 23 0 3

Illinois 119 12 0 20

Indiana 28 21 5 129

Iowa 38 9 9 0

Kansas 2 27 0 29

Kentucky 0 25 0 0

Louisiana 48 134 14 16

Maine 0 14 0 2

Maryland 20 35 0 9


Michigan 8 307 30 12

Minnesota 24 17 1 0

Mississippi 0 13 3 4

Missouri 0 3 0 52

Montana 0 1 0 1

Nebraska 1 47 1 6

Nevada 4 51 0 18


New Jersey 1 34 0 9

New Mexico 4 2 0 0

New York 0 27 0 0




Ohio 34 44 0 17

Oklahoma 1 5 0 16

Oregon 3 28 6 3



Rhode Island 0 0 1 0



Tennessee 58 13 2 95

Texas 0 40 6 18


Utah 0 11 0 24

Vermont 0 6 0 0

Virginia 0 119 5 0

Washington 0 84 3 -

West Virginia 785 13 0 233

Wisconsin 4 143 4 87

Wyoming 0 10 0 0

Total 32,767 2,035 153 1,640

Table 23

Actions Against Producers - 2018

Suspensions Revocations Cease & Desist Denial Order



State

Alabama 39 $18,900 0 $0 43

Alaska 2 $23,551 0 $0 0


Arizona 16 $4,300 2 $31,819 9

Arkansas 17 $292,751 29 $35,087 -

California 199 $4,509,683 1 $98,000 703

Colorado 13 $1,369,050 12 $905,731 20

Connecticut 3 $6,250 0 $0 0

Delaware 2,540 $762,000 106 $805,523 0

Dist. of Columbia 17 $18,500 0 $0 0

Florida 124 $324,985 39 $480,041 0

Georgia 37 $11,300 0 $0 125

Guam - - - - -

Hawaii 0 $0 0 $0 0

Idaho 4 $22,250 0 $0 6

Illinois 42 $59,250 0 $0 0

Indiana 35 $292,460 536 $52,586 -

Iowa 11 $273,348 3 $242,900 0

Kansas 3 $1,600 0 $0 74

Kentucky 5 $1,557,500 0 $0 4

Louisiana 330 $137,800 0 $0 0

Maine 1 $200 0 $0 2

Maryland 56 $111,450 36 $1,062,904 0

Massachusetts 435 $359,650 20 $109,405 0

Michigan 69 $165,400 20 $24,261 116

Minnesota 239 $302,750 0 $0 229

Mississippi 20 $43,850 0 $0 11

Missouri 103 $41,900 60 $1,664,632 14

Montana 2 $5,500 - $37,000 -

Nebraska 4 $50,700 0 $0 7

Nevada 32 $110,722 4 $98,464 11

New Hampshire 21 $607,000 20 $99,125 3

New Jersey 63 $1,180,000 5 $7,716,145 0

New Mexico 0 $10,000 0 $0 0

New York 123 $836,450 0 $0 0

North Carolina 122 $117,675 0 $0 57

North Dakota 29 $23,800 0 $0 38

N. Mariana Islands 0 $0 0 $0 0

Ohio 175 $46,950 0 $0 40

Oklahoma 78 $58,750 0 $0 76

Oregon 9 $26,500 1 $800 2

Pennsylvania 18 $73,752 19 $385,591 54

Puerto Rico 40 $201,510 0 $0 0

Rhode Island 3 $2,250 1 $2,951 0

South Carolina 57 $147,450 0 $0 126

South Dakota 21 $97,500 0 $0 0

Tennessee 19 $267,750 19 $25,737 0

Texas 134 $7,481,914 14 $4,113,168 -


Utah 27 $176,650 0 $0 0

Vermont 2 $95,000 0 $0 0

Virginia 33 $97,750 627 $2,422,757 215

Washington 141 $103,950 4 $37,992 20

West Virginia 13 $16,100 0 $0 0

Wisconsin 45 $221,548 4 $1,345,715 40

Wyoming 27 $20,125 0 $0 17

Total 5,598 $22,787,974 1,582 $21,798,334 2,062

Fines Restitutions Restitution Other


Actions Against Producers - 2018

Number of

Fines

Amount of Number of Amount of



Consumer Services and Antifraud

Consumer Services State insurance departments provide many services to

the residents of their respective states. Each state has a mechanism in place for responding to and resolving consumer complaints. In 2018, 287,641 complaints were received by insurance departments. Consumers can also check with their state insurance department before buying insurance from a particular company or agent to ascertain the number of complaints or regulatory actions taken against a particular insurance provider.

Insurance departments are also a good source for general insurance information. Many states produce and/or provide consumer brochures on several types of insurance to help consumers understand the large number of insurance options available. Some states also publish rate comparison guides to help consumers get the best value when they purchase insurance. Insurance departments handle large numbers of inquiries after earthquakes,

hurricanes, and other natural disasters. Several states also fund educational seminars for consumers.

Antifraud While every state investigates fraud, many states have

formed separate criminal insurance fraud units. These units, which may or may not reside within the state’s insurance department, investigate insurance fraud in order to prevent unscrupulous individuals from harming consumers and to keep fraudulent claims from increasing the cost of insurance. Some units are limited as to the types of insurance fraud that may be investigated, and the investigators in some units have peace authority (authority to place persons under arrest). The increasing awareness and scrutiny focused on insurance fraud has led to an increase in the number of fraud investigators employed by the state insurance departments in recent years.


58 Consumer Services and Antifraud

Aggregated Complaint Data

State Available to Public?

Alabama 1,701 2,084 Yes

Alaska 256 1,696 Yes

American Samoa - - -

Arizona 2,290 14,996 Yes

Arkansas 2,395 17,627 Yes

California 45,532 152,309 Yes

Colorado 4,130 10,690 Yes

Connecticut 4,758 19,067 Yes

Delaware 745 3,800 No

Dist. of Columbia 829 1,095 Yes

Florida 22,300 297,456 Yes

Georgia 9,139 706 Yes

Guam - - -

Hawaii 608 5,520 Yes

Idaho 887 6,872 Yes

Illinois 8,232 84,952 Yes

Indiana 3,673 53,334 Yes

Iowa 1,492 833 No

Kansas 2,702 1,052 Yes

Kentucky 5,475 288 Yes

Louisiana 3,241 196 Yes

Maine 658 4,986 Yes

Maryland 11,981 721 Yes

Massachusetts 1,986 14,374 Yes

Michigan 4,446 12,670 Yes

Minnesota 3,464 11,748 Yes

Mississippi 1,042 12,366 Yes

Missouri 3,228 2,297 Yes

Montana 1,009 295 Yes

Nebraska 1,704 8,678 No

Nevada 3,168 12,175 Yes

New Hampshire 974 4,810 Yes

New Jersey 5,853 26,052 Yes

New Mexico 1,546 15,515 No

New York 36,794 34,189 Yes

North Carolina 10,861 144,849 No

North Dakota 147 2,913 Yes

N. Mariana Islands 1 0 No

Ohio 5,933 276,956 Yes

Oklahoma 2,556 18,809 No

Oregon 3,883 12,440 Yes

Pennsylvania 9,365 38,768 Yes

Puerto Rico 2,654 2,088 No

Rhode Island 338 166 Yes

South Carolina 3,378 9,422 Yes

South Dakota 565 - No

Tennessee 3,487 - No

Texas 27,735 137,617 Yes

U.S. Virgin Islands - - -

Utah 1,508 11,492 Yes

Vermont 428 3,286 Yes

Virginia 4,241 11,311 Yes

Washington 6,779 83,129 Yes

West Virginia 1,942 21,484 Yes

Wisconsin 3,205 20,776 Yes

Wyoming 397 1,657 Yes

Total 287,641 1,632,612

Table 24

Consumer Complaints/Inquiries - 2018

Consumer Complaints Consumer Inquiries



Separate Investigators Limitations on

Criminal Ins. Have Peace Types of Ins.

State Fraud Unit? Parent Agency Authority? Fraud Investigated?

Alabama Yes State Insurance Department Yes No

Alaska Yes Alaska Division of Insurance No No


Arizona Yes Insurance Department Yes No

Arkansas Yes Arkansas Insurance Department Yes No

California Yes CA Department of Insurance, Enforcement Branch Yes No

Colorado Yes Attorney General's Office Yes No

Connecticut Yes Office of the Chief State's Attorney Yes Yes

Delaware No - No No

Dist. of Columbia Yes DISB/Enforcement & Consumer Protection No Yes

Florida Yes Department of Financial Services Yes No

Georgia Yes Office of Commissioner of Insurance Yes Yes

Guam - - - -

Hawaii Yes Insurance Division Yes Yes

Idaho Yes Department of Insurance No No

Illinois Yes Department of Insurance No Yes

Indiana No - No No

Iowa Yes Iowa Insurance Division Yes No

Kansas Yes Kansas Insurance Department No No

Kentucky Yes Department of Insurance Yes No

Louisiana Yes LDI, State Police, LDOJ (Atty. Gen.) Yes No

Maine No - - -

Maryland Yes Maryland Insurance Administration No No

Massachusetts Yes IFB and Office of the Attorney General Yes Yes

Michigan Yes Department of Insurance and Financial Services No No

Minnesota Yes Minnesota Department of Commerce Yes No

Mississippi Yes State Attorney Generals Office Yes No

Missouri No - No No

Montana Yes Office of the Montana State Auditor, Commissioner of Securities and InsuranceNo No

Nebraska Yes Yes No

Nevada Yes Yes No

New Hampshire Yes No No

New Jersey Yes Yes No

New Mexico Yes Yes No

New York Yes Yes No

North Carolina Yes Yes No

North Dakota Yes Yes No

N. Mariana Islands No No No

Ohio No No No

Oklahoma Yes Yes Yes

Oregon No - -

Pennsylvania Yes Yes Yes

Puerto Rico No No No

Rhode Island Yes - No

South Carolina Yes Yes No

South Dakota Yes Yes No

Tennessee No No No

Texas Yes Yes No

U.S. Virgin Islands - - -

Utah Yes Yes No

Vermont No - -

Virginia Yes Yes Yes

Washington Yes Yes Yes

West Virginia Yes No No

Wisconsin No - -

Wyoming No

Department of Insurance

Office of the Attorney General

Insurance Department

Law and Public Safety

Office of Superintendent of Insurance

Department of Financial Services

North Carolina Department of Insurance

Legal Division

Office of the Attorney General

-

Insurance Dept and AG's Office

-

OAG, State, County & Local Authorities

-

RISP

SC Attorney General's Office

Attorney General's Office

Department of Commerce and Insurance

Texas Department of Insurance

-

Insurance Fraud Division

-

Virginia State Police

Office of Insurance Commissioner

Offices of the Insurance Commissioner

-

- - No

Table 25

Fraud Investigation - 2018



Long-Med. Term Workers

State Auto Home Life Health Supp. Care Comp. Other Other LanguagesAlabama Yes Yes Yes Yes Yes Yes No YesAlaska Yes Yes Yes Yes Yes Yes Yes YesAmerican Samoa - - - - - - - -Arizona Yes Yes Yes Yes Yes Yes Yes Yes Spanish (limited)Arkansas Yes Yes Yes Yes Yes Yes No Yes Spanish (limited)California Yes Yes Yes Yes Yes Yes Yes Yes Twelve additional languages are available online.Colorado Yes Yes Yes Yes Yes Yes Yes Yes Spanish (limited)Connecticut Yes Yes Yes Yes Yes Yes No Yes Spanish (limited)Delaware Yes Yes Yes Yes Yes Yes Yes Yes SpanishDist. of Columbia Yes Yes Yes Yes Yes Yes Yes Yes SpanishFlorida Yes Yes Yes Yes Yes Yes Yes Yes Spanish, Haitian, CreoleGeorgia Yes Yes Yes Yes Yes Yes Yes YesGuam Yes Yes Yes Yes Yes No Yes -Hawaii Yes Yes Yes Yes Yes Yes No YesIdaho Yes Yes Yes Yes Yes Yes Yes Yes SpanishIllinois Yes Yes Yes Yes Yes Yes Yes Yes Spanish, Korean, PolishIndiana Yes Yes Yes Yes Yes Yes Yes Yes Spanish, BrailleIowa Yes Yes Yes Yes Yes Yes No YesKansas Yes Yes Yes Yes Yes Yes Yes YesKentucky Yes Yes Yes Yes Yes Yes No Yes Spanish (limited)Louisiana Yes Yes Yes Yes Yes Yes Yes Yes Some available in Spanish and VietnameseMaine Yes Yes Yes Yes Yes Yes Yes Yes Spanish (limited)Maryland Yes Yes Yes Yes Yes Yes Yes Yes Spanish, KoreanMassachusetts Yes Yes Yes Yes Yes Yes Yes YesMichigan Yes Yes Yes Yes Yes Yes No Yes Spanish, ArabicMinnesota Yes Yes Yes Yes Yes Yes Yes YesMississippi Yes Yes Yes Yes Yes Yes Yes YesMissouri Yes Yes Yes Yes Yes Yes Yes YesMontana Yes Yes Yes Yes Yes Yes Yes YesNebraska Yes Yes Yes Yes Yes Yes Yes Yes Spanish (limited)

Nevada Yes Yes Yes Yes Yes Yes Yes Yes Health and Health Insurance Rate Review in Spanish

New Hampshire Yes Yes Yes Yes Yes Yes Yes Yes SpanishNew Jersey Yes Yes No Yes No Yes No No SpanishNew Mexico Yes Yes Yes Yes Yes Yes Yes YesNew York Yes Yes Yes Yes Yes Yes No Yes SpanishNorth Carolina Yes Yes Yes Yes Yes Yes Yes Yes SpanishNorth Dakota Yes Yes Yes Yes Yes Yes - YesN. Mariana Islands No No No No No No Yes NoOhio Yes Yes Yes Yes Yes Yes No YesOklahoma Yes Yes Yes Yes Yes Yes Yes Yes SpanishOregon Yes Yes Yes Yes Yes Yes Yes Yes Spanish, RussianPennsylvania Yes Yes Yes Yes Yes Yes Yes Yes SpanishPuerto Rico Yes Yes Yes Yes Yes Yes Yes Yes SpanishRhode Island Yes Yes Yes Yes Yes Yes No YesSouth Carolina Yes Yes Yes Yes Yes Yes No YesSouth Dakota Yes Yes Yes Yes Yes Yes Yes YesTennessee Yes Yes Yes Yes Yes Yes Yes Yes HTML convertible to many different languagesTexas Yes Yes Yes Yes Yes Yes Yes Yes SpanishU.S. Virgin Islands Yes Yes Yes Yes No No No Yes SpanishUtah Yes Yes Yes Yes Yes Yes Yes YesVermont Yes Yes Yes Yes Yes Yes Yes NoVirginia Yes Yes Yies Yes Yes Yes No Yes SpanishWashington Yes Yes Yes Yes Yes Yes Yes Yes SpanishWest Virginia Yes Yes Yes Yes Yes Yes Yes YesWisconsin Yes Yes Yes Yes Yes Yes Yes Yes SpanishWyoming Yes Yes Yes Yes Yes Yes No No

Table 26

Availability of Consumer Information - 2018



State

AL 800-433-3966 a 334-241-4141 334-269-3550 334-241-4192

AK 800-467-8725 a 907-269-7914 907-269-7900 907-269-7910

AS 011-684-633-4116 011-684-633-4116 011-684-633-2269

AZ 800-325-2548 a 602-364-2499 602-364-3100 602-364-2400

AR 800-852-5494 501-371-2640 501-371-2600 501-371-2618

CA 800-927-4357 800 927-4357 916-492-3500 916-445-5280

CO 800-930-3745 a 303-894-7490 303-894-7499 303-894-7455

CT 800-203-3447 a 860-297-3900 860-297-3800 860-566-7410

DE 800-282-8611 a 302-674-7310 302-674-7300 302-739-5280

DC 202-442-7812 202-727-8000 202-535-1196

FL 877-693-5236 a 850-413-3089 850-413-3089 850-413-2950

GA 800-656-2298 404-656-2070 404-656-2056 404-657-8542

GU 011-671-635-1844 011-671-635-1817 011-671-633-2643

HI 808-586-2790 808-586-2790 808-586-2806

ID 800-721-3272 a 208-334-4250 208-334-4250 208-334-4398

IL 866-445-5364 217-782-4515 217-782-4515 217-782-5020

IN 800-622-4461 a 317-232-2395 317-232-2385 317-232-5251

IA 877-955-1212 a 515-281-6348 515-281-5705 515-281-3059

KS 800-432-2484 a 785-296-7827 785-296-3071 785-296-7805

KY 800-595-6053 a 502-564-6034 502-564-3630 502-564-1453

LA 800-259-5300 a 225-342-5900 225-342-5900 225-342-8622

ME 800-300-5000 a 207-624-8475 207-624-8475 207-624-8599

MD 800-492-6116 410-468-2000 410-468-2000 410-468-2020

MA 877-563-4467 617-521-7777 617-521-7794 617-753-6830

MI 877-999-6442 517-284-8784 517-284-8800 517-284-8837

MN 800-657-3602 a 651-539-1600 651-539-1500 651-539-1547

MS 800-562-2957 a 601-359-2453 601-359-3569 601-359-2474

MO 800-726-7390 a 573-751-2640 573-751-4126 573-526-3416

MT 800-332-6148 a 406-444-2040 406-444-2040 406-444-3497

NE 877-564-7323 a 402-471-0888 402-471-2201 402-471-4610

NV 888-872-3234 a 775-687-4270 775-687-0700 775-687-0787

NH 800-852-3416 a 603-271-2261 603-271-2261 603-271-1406

NJ 800-446-7467 609-292-5316 609-292-7272 609-984-5273

NM 855-427-5674 a 505-827-4549 505-827-4601 505-827-4734

NY 800-342-3736 212-480-6400 212-709-3500 212-709-3520

NC 855-408-1212 919-807-6750 919-807-6000 919-733-6495

ND 800-247-0560 a 701-328-9611 701-328-2440 701-328-4880

MP 670-664-3064 670-664-3000 670-664-3067

OH 800-686-1526 800-686-1526 614-644-2658 614-644-3744

OK 800-522-0071 a 405-521-2991 405-521-2828 405-521-6635

OR 888-877-4894 503-947-7984 503-947-7980 503-378-4351

PA 877-881-6388 a 717-783-2153 717-787-7000 717-772-1969

PR 888-722-8686 787-304-8686 787-304-8686 787-273-6365

RI 401-462-9616 401-462-9520 401-462-9602

SC 800-768-3467 a 803-737-6180 803-737-6160 803-737-6231

SD 605-773-3563 605-773-3563 605-773-5369

TN 800-342-4029 a 615-741-2218 615-741-2241 615-532-6934

TX 800-578-4677 800-252-3439 512-676-6000 512-490-1045

VI 340-774-7166 340-774-7166 340-774-9458

UT 800-439-3805 a

Health

Life

P/C

801-538-3077;

801-538-3066;

801-538-3035

801-538-3800 801-538-3829

VT 800-964-1784 802-828-3302 802-828-3301 802-828-3306

VA 800-552-7945 a 877-310-6560 804-371-9741 804-371-9873

WA 800-562-6900 360-725-7080 360-725-7000 360-586-3535

WV 888-879-9842 a 304-558-3386 304-558-3354 304-558-0412

WI 800-236-8517 a 608-266-3585 608-266-3585 608-266-9935

WY 800-438-5768 a 307-777-7402 307-777-7401 307-777-2446

a - In-state calls only

Table 27

Consumer Access to Insurance Departments - 2018

Toll Free Hotline Consumer Direct Department Phone Department Fax



Company Producer Consumer OnlineLicensing Licensing Complaint Complaint

State Internet Address Info Info Statistics SubmissioAlabama www.aldoi.gov Yes Yes Yes YesAlaska http://www.insurance.alaska.gov Yes Yes Yes YesAmerican Samoa - - - - -Arizona https://insurance.az.gov Yes Yes Yes YesArkansas Insurance.Arkansas.gov Yes Yes Yes YesCalifornia www.insurance.ca.gov Yes Yes Yes YesColorado www.dora.colorado.gov/insurance Yes Yes Yes YesConnecticut www.ct.gov/cid Yes Yes Yes YesDelaware www.insurance.delaware.gov Yes Yes No YesDist. of Columbia disb.dc.gov Yes Yes Yes YesFlorida www.FLOIR.com Yes Yes Yes YesGeorgia www.oci.ga.gov Yes Yes Yes YesGuam https://www.guamtax.com Yes Yes No NoHawaii http://cca.hawaii.gov/ins/ Yes Yes Yes NoIdaho www.doi.idaho.gov Yes Yes Yes YesIllinois www.insurance.illinois.gov Yes Yes Yes YesIndiana www.IN.gov/idoi Yes Yes Yes YesIowa www.iid.iowa.gov Yes Yes No YesKansas www.ksinsurance.org Yes Yes Yes YesKentucky http://insurance.ky.gov Yes Yes Yes YesLouisiana www.ldi.la.gov Yes Yes Yes YesMaine http://www.maine.gov/pfr/insurance/index.html Yes Yes Yes YesMaryland www.insurance.maryland.gov Yes Yes Yes YesMassachusetts http://www.mass.gov/doi Yes Yes No NoMichigan www.Michigan.gov/difs Yes Yes Yes YesMinnesota http://mn.gov/commerce/industries/insurance/ Yes Yes No YesMississippi www.mid.ms.gov Yes Yes Yes YesMissouri www.insurance.mo.gov Yes Yes Yes YesMontana www.csimt.gov Yes Yes No YesNebraska doi.nebraska.gov Yes Yes No YesNevada http://doi.nv.gov Yes Yes Yes YesNew Hampshire www.nh.gov/insurance Yes Yes Yes YesNew Jersey www.dobi.nj.gov Yes Yes Yes YesNew Mexico www.osi.state.nm.us Yes Yes Yes YesNew York www.dfs.ny.gov Yes Yes Yes YesNorth Carolina www.ncdoi.com Yes Yes No YesNorth Dakota www.nd.gov/ndins Yes Yes Yes YesN. Mariana Islands http://commerce.gov.mp/ Yes Yes No YesOhio www.insurance.ohio.gov Yes Yes Yes YesOklahoma www.oid.ok.gov Yes Yes No YesOregon www.dfr.oregon.gov Yes Yes Yes YesPennsylvania www.insurance.pa.gov Yes Yes Yes YesPuerto Rico www.ocs.pr.gov Yes Yes No YesRhode Island www.dbr.ri.gov Yes Yes No YesSouth Carolina www.doi.sc.gov Yes Yes Yes YesSouth Dakota www.dlr.sd.gov/insurance Yes Yes No YesTennessee https://www.tn.gov/commerce/insurance-division.html Yes Yes No YesTexas www.tdi.texas.gov Yes Yes Yes Yes

U.S. Virgin Islands https://ltg.gov.vi/departments/banking-insurance-and-financial-regulation/ Yes Yes - No

Utah https://insurance.utah.gov/ Yes Yes Yes YesVermont www.dfr.vermont.gov Yes Yes No YesVirginia https://www.scc.virginia.gov/boi/ Yes Yes No YesWashington www.insurance.wa.gov Yes Yes Yes YesWest Virginia www.wvinsurance.gov Yes Yes No YesWisconsin oci.wi.gov Yes Yes Yes YesWyoming http://doi.wyo.gov Yes Yes Yes Yes


Consumer Access to Insurance Departments - 2018Available on Web Site?



State Title Parent AgencyAlabama Alabama Department of Insurance Office of the Governor

Alaska Alaska Division of InsuranceDepartment of Commerce, Community & Economic Development

American Samoa Office of the Insurance Commissioner Office of the GovernorArizona Arizona Department of Insurance Office of the GovernorArkansas Arkansas Insurance Department Office of the GovernorCalifornia California Department of InsuranceColorado Colorado Division of Insurance Department of Regulatory AgenciesConnecticut Connecticut Insurance Department Office of the GovernorDelaware Delaware Department of Insurance Office of the Insurance CommissionerDist. of Columbia Office of the MayorFlorida Florida Financial Services CommissionGeorgiaGuam Department of Revenue and TaxationHawaii Department of Commerce and Consumer AffairsIdaho Office of the GovernorIllinois Office of the GovernorIndiana Office of the GovernorIowa Department of CommerceKansasKentucky Public Protection CabinetLouisianaMaine Department of Professional and Financial RegulationMaryland Office of the GovernorMassachusetts Office of Consumer Affairs and Business RegulationMichiganMinnesota Department of CommerceMississippi

Missouri Office of the Governor

Montana Office of the Montana State Auditor

Nebraska Office of the GovernorNevada Department of Business and IndustryNew Hampshire Office of the GovernorNew Jersey State of New JerseyNew MexicoNew York Office of the GovernorNorth CarolinaNorth Dakota

DC Department of Insurance, Securities and Banking Florida Office of Insurance RegulationGeorgia Office of Insurance and Safety Fire Commissioner Guam Regulatory DivisionHawaii Insurance DivisionIdaho Department of InsuranceIllinois Department of InsuranceIndiana Department of InsuranceIowa Insurance DivisionKansas Insurance DepartmentKentucky Department of InsuranceLouisiana Department of InsuranceMaine Bureau of InsuranceMaryland Insurance AdministrationMassachusetts Division of InsuranceMichigan Department of Insurance and Financial Services Minnesota Department of CommerceMississippi Insurance DepartmentMissouri Department of Insurance, Financial Institutions and Professional Registration Montana Office of the Commissioner of Securities & InsuranceNebraska Department of InsuranceNevada Division of InsuranceNew Hampshire Insurance DepartmentNew Jersey Department of Banking and Insurance New Mexico Office of Superintendent of Insurance New York State Department of Financial Services North Carolina Department of InsuranceNorth Dakota Insurance Department

N. Mariana Islands CNMI Office of Insurance Commissioner CNMI Department of CommerceOhio Ohio Department of Insurance Office of the GovernorOklahoma Oklahoma Insurance DepartmentOregon Division of Financial Regulation Department of Consumer and Business ServicesPennsylvania Pennsylvania Insurance Department Office of the GovernorPuerto Rico Office of the Commissioner of Insurance of Puerto RicoRhode Island Rhode Island Division of Insurance Department of Business RegulationSouth Carolina South Carolina Department of Insurance Office of the GovernorSouth Dakota South Dakota Division of Insurance Department of Labor and RegulationTennessee Tennessee Insurance Division Department of Commerce and InsuranceTexas Texas Department of InsuranceU.S. Virgin Islands Division of Banking, Insurance, and Financial Regulation Office of the Lieutenant GovernorUtah Utah Insurance Department Office of the GovernorVermont Vermont Department of Financial Regulation Office of the GovernorVirginia Virginia Bureau of Insurance Virginia State Corporation CommissionWashington Washington State Office of the Insurance CommissionerWest Virginia West Virginia Offices of the Insurance Commissioner Department of RevenueWisconsin Wisconsin Office of the Commissioner of Insurance Office of the GovernorWyoming Wyoming Insurance Department Office of the Governor

Table 28

Insurance Department Titles - 2018


64 Technical Notes

Technical Notes to the 2018 Insurance Department Resources Report – Volume One

Staffing Table 1– State Commissioners This is the elected/appointed and other offices held table. American Samoa: NAIC provided the information. Colorado: The position of Commissioner was filled on an

acting basis by the Deputy Commissioner from Jan. 1, 2018 to Jan. 7, 2019.

Kansas: Office of the Kansas Securities Commissioner merged with the Kansas Insurance Department July 1, 2017.

Michigan: The Commissioner’s role extends to banking, credit unions, consumer finance, and consumer services.

New York: Due to the 2011 merger of the NYS Insurance Department and NYS Banking Department, the Commissioner regulates both Banking and Insurance under the Department of Financial Services which was not reported in 2016.

Northern Mariana Islands: Data was first received in 2016 but not years prior.

Rhode Island: In 2018, the Superintendent of Insurance was assigned the oversight responsibilities of the Division of Banking and the Securities Division. The Divisions of Insurance, Banking and Securities are now referred to as the Financial Services Division of the RI Department of Business Regulation.

U.S. Virgin Islands: NAIC filled in the status based on territory statute.

Texas: The "Commissioner" of the Division of Workers' Compensation is appointed; however, the position is the head of one of the agency's divisions, and is, therefore, included in the "Deputy/Assistant Commissioners" category.

Tables 2–3, 6 - Insurance Department Staff by Position including Salary Ranges Deputy/assistant commissioners are defined as individuals who are either on the commissioner’s staff or are the head of a division and report directly to the commissioner. Headcount and salary may vary year to year due to internal movement, intra-agency transfers, retirement, and attrition. The “Other Personnel” for each state includes a count for the insurance department’s Commissioner, Superintendent, or Director (i.e the person who represents the department as an NAIC member). Alabama: “Other” employees include the executive

secretary, and state fire marshal office employees. Alaska: Note market conduct duties are written into position

descriptions for all P/C and L/H positions. As of year-end 2018, the division was fully staffed with both P/C and L/H actuaries. Changes in staffing reflect the reclassification of some positions.

American Samoa: NAIC updated to include a count of one for the commissioner in the Other Personnel section.

Arizona: Insufficient differentiation exists for "Civil Fraud Investigators," "Enforcement Personnel," "Complaint Investigators," and "Assistance Personnel/Facilitators" categories. The department’s "Enforcement Personnel" and "Assistance Personnel" also investigate complaints. A Consumer Affairs supervisor position and Antifraud supervisor position was newly established in 2018.

Arkansas: “Other” employees include risk consultants, not contractual workers.

California: Changes were a result of reclassifications. A position was added to the Media category which adjusted the salary range for Revenue. “Other” employees include community programs and policy initiative branch, California Organized Investment Network (COIN), and Office of Management and Budget (OMB).

Colorado: The Deputy Commissioner position was not back filled in 2018. Administration support staff position was reclassified, and Executive support staff position was contracted to temporary staff. Changes in the Actuarial figures represent vacant positions and the promotion of one support staff to a professional position. Changes in the Financial Regulation figures reflect two vacant financial examiner positions and the addition of one support staff position and two financial analysts (accreditation). Changes in the Market Conduct Regulation and Consumer Affairs figures reflect vacancies.

Delaware: Administration changes reflect the reduction of support staff due to retirement, attrition, and some reclassifications. Licensing changes reflect the addition of a seasonal position.

District of Columbia: The 2017 Legal positions were overstated, and Market Conduct Analyst positions omitted. “Other” employees include health care policy analysts.

Florida: Changes are due to the reorganization and expansion of several departments and functions. All but one Receivership Personnel figure should have been classified as contract in prior years. “Other” personnel include employees in the Commissioner’s Office.

Georgia: There were several instances where a salary range was not provided in 2018 responses. In those instances, the NAIC used the 2017 range reported by Georgia. If that position category did not have employees in 2017 a similar position was used. For example, there were no P/C Actuaries reported in 2017, so the Life/Health Actuary salary range was used for the Property/Casualty Actuary salary range. The use of 2017 salary ranges impacted the following: Media; Public Policy; Human Resources; Revenue, Actuarial Staff, Financial Regulation supervisory staff, financial examiners, and captive/specialty insurer personnel; Market Conduct Regulation supervisory staff;



Antifraud/Enforcement supervisory staff; and Licensing supervisory staff. Note the salary range used for producer licensing personnel was the same value as the company licensing personnel since there were none reported in 2017.

Hawaii: The additional personnel number reflects a count of one for the Commissioner which was not included in the 2017 count.

Idaho: “Other” employees include state fire marshal, inspectors, Idaho fire incident reporting system employees, plans reviewer, and technical records.

Illinois: Headcount totals include funded vacancies. Decreases in headcount reflect vacated positions not funded.

Indiana: “Other” includes patients’ compensation fund employees.

Iowa: “Other” employees include supervisor, compliance officer, field auditor, administrative assistant, executive officers and secretary.

Kansas: The Assistant Commissioner, Human Resources Director and Anti-Fraud Supervisor split their time between Department and Securities Commission duties. The actuarial staff supervisors consist of an Actuarial Examiner who manages outside contract actuaries and a Life/Health Supervisor who oversee the rate/form analysis function. A captive employee was added in July 2018. “Other” employees include assistant commissioner, executive assistant to the commissioner, the firefighter relief fund head and part time firefighter relief.

Kentucky: “Other” employees include undefined vacancies yet to be determined where needed.

Louisiana: The '”Other” full-time exempt category includes the Commissioner and internal auditor.

Maine: Several full-time positions were reclassified in 2018.

Massachusetts: “Other” employees include research analysts and administrative view officers.

Michigan: Antifraud figures reflect the addition of a new Fraud Investigation Unit in 2018.

Missouri: “Other” employees include research analysts and designated principal assistants.

Montana: Wages were based on 2018 market analysis. There were some position reclassifications. “Other” employees include appointed staff.

Nebraska: “Other” employees may include health care reform employees.

Nevada: “Other” employees include self-insured and workers’ compensation section staff. In order to be more efficient, the Division reorganized some sections which included moving some staff.

New Jersey: In 2018, the Office of Innovation, Strategic Planning and Policy was established and reported under the public policy position category. “Other” employees include administrative analyst, special projects director, research scientist, adjuster, and legislative liaison. Changes in personnel are attributed to a retirements, new hires, and attrition.

New Mexico: The Human Resources position was vacant as of year-end 2018. “Other” employees include federal grant employees, title, and patient compensation funds employees.

North Carolina: There was some reorganization within the department in 2018 as well as backfilling of some vacancies. “Other” employees include engineers, engineering technicians, and fire and rescue training instructors.

North Dakota: “Other” employees include underwriter, office assistant, deputy boiler inspector, chief boiler inspector, building appraiser and division director of special funds.

Northern Mariana Islands: “Other” includes a licensing officer.

Oregon: Oregon is organized with an Enforcement Section which includes most of the staff with Juris Doctorate degrees and are attorneys who work on insurance related cases. “Other” employees include retaliatory tax analysts, rate review analysts, budget analysts, reinsurance program analysts, operations coordinator, and travel coordinator. The Insurance Division and the Division of Finance and Corporate Securities merged in 2017.

Pennsylvania: “Other” personnel includes Special Funds Deputate.

Rhode Island: The variance from 2017 of financial examiners was due to turnover and reassignments. “Other” employees include a secretary and accountant.

Tennessee: While the number of FTE was reported as zero under the Administration section, the Media, Public Policy, Human Resources, Business Office, and Revenue staff are part of the larger Department of Commerce and Insurance Budget. Their time is spread across the whole of the Department, not just the insurance division. The Insurance division is charged 33% of the larger Department of Commerce and Insurance budget in an overhead charge.

Texas: The information security officer and the position’s support staff report to the Deputy Commissioner of Administrative Operations and are accounted for under “Other Administrative” personnel. Some changes are due to reorganization and reclassification. “Other” includes Information Specialists, Insurance Specialists, Program Specialists, Auditors, Statisticians, and Engineers.

U.S. Virgin Islands: NAIC included a count of one for the insurance commissioner.

Utah: “Other” employees include research consultants. Washington: “Other” employees include employees with

holding company duties. Personnel changes are attributed to restructuring. There were 246.1 budgeted full-time employees budgeted for OIC 2017-19.

West Virginia: “Other” employees include workers’ compensation and health policy-related positions. Personnel changes are attributed to resignations, retirements, and filling vacancies. The increase in financial examiners was due to increased workload.

Wisconsin: Office reorganization of bureau.


66 Technical Notes

Wyoming: “Other administrative staff” includes the department’s accountant. “Other” employees include auditors and senior policy and planning analyst.

Tables 4–5 - Contractual or Intergovernmental Staff Alabama: Contractual/intergovernmental employees

include an attorney on loan from the governor’s office. Arizona: “Other” contractual/intergovernmental employees

include health care appeal external review, federal Affordable Care Act (ACA) consulting, paralegals, guaranty fund claims adjusting and guaranty fund financial audit employees.

Colorado: Contractual employees are no longer included in personnel.

Connecticut: “Other” contractual/intergovernmental employees include the IT manager assigned to the Department of Insurance.

Idaho: “Other” contractual/intergovernmental employees include paralegals, hearing officers, and court reporters.

Illinois: Contractual headcount based upon specific agency, division, unit and program need. It will vary fiscal year to fiscal year.

Indiana: “Other” contractual/intergovernmental employees include counselors for the senior health insurance program.

Louisiana: The Contractual/Intergovernmental Employee “Other” category includes information technology.

Maryland: “Other” contractual/intergovernmental employees include Process Manager, Special Project Coordinator, Administrative Assistants, Law Clerk Intern, and Health Insurance & Managed Care Policy Analyst.

Massachusetts: The Contractual/Intergovernmental Employee “Other” category includes mathematicians, information technology consultants and financial examination consultants.

Nevada: Two attorneys employed through the Attorney General’s office were assigned to work with the Division.

New Jersey: “Other” contractual/intergovernmental employees include individual/small employer health care employees and librarians. As of year-end 2018, contractual information systems personnel were no longer required. Criminal fraud investigators were employed by the Office of Insurance Fraud Prosecutor within the Department of Law and public Safety.

New York: “Other” contractual/intergovernmental employees include pension actuaries and property reorganization employees.

Pennsylvania: Other contractual/intergovernmental employees include business partners and contractors.

South Dakota: The increase in contractual/intergovernmental employees was due to additional staff needed to analyze captive insurance companies.

Texas: The Texas Commissioner as Receiver contracts with Special Deputy Receivers to manage receiverships. The contracts, however, are not with the state and the

special deputy or any other person with whom the liquidator (rehabilitator) contracts is not considered to be an agent of the state.

Washington: The Criminal Fraud Investigators category includes a detective with the Washington State Patrol. Also, the Office of the Insurance Commissioner (OIC) were represented by WA State Attorney General’s Office staff.

Wisconsin: The changes in use of actuaries were due to the normal variations in the examination schedule.

Budget and Funding Tables 7–9 - Insurance Department Budgets, Funding

and Expenses tables Alabama: Budget runs Oct. 1–Sept. 30. Funding is a

combination of dedicated and quasi-dedicated. “Other” budget category includes additional funds from new SAH program. The expense data reported in 2017 and later calculate department operation expenses differently than 2016 data and prior.

Alaska: The insurance division has a combination funding type. The division uses general funds (the legislature sets division budget) and an allowed carryover of $1 million annually. The “other” funding source includes federal funds. The “Administration & Regulation” category includes personnel costs.

Arizona: Funding is a combination of quasi-dedicated and other. The “other” is dedicated and non-appropriated. Specific amounts are collected and placed in a separate fund established for the Insurance Department. The department spends from the fund as needed. It must maintain a positive cash balance in the fund. Any cash balance remaining at the end of the fiscal year is available to the department during the subsequent fiscal year. The “Other” revenue category includes receivership and guaranty fund recoveries; and interest/investment income. Fees and assessments increased due to life/disability guaranty fund assessments. “Other” budget amounts received are receivership and guaranty fund recoveries and interest/investment income.

Arkansas: The Combination funding system allows for the balance in excess of one-year budget returns to state's General Fund every other year, while the funds are carried over every other year. Expense data is not captured at the level requested, therefore the figures given are a best estimate based on the categories the state does capture.

California: “Other” funding includes miscellaneous revenue (sales of documents, cost recovery, transfers and other adjustments). Budget includes federal and general funds. The methodology for calculating Funding Types and Sources was changed to a percentage of revenues rather than expenditures in 2018.

Colorado: Colorado has appropriated funding by the General Assembly. All corporate and producer licensing fees go into the cash fund to cover that appropriation. Whatever shortfall there may be is



supplemented by an allocation of additional funds from the general funds to make up the difference. Colorado also receives funding from federal grants to cover the Student Health Insurance Plan (SHIP) program and the Rate Review Supplemental Program for the federal Affordable Care Act (ACA). “Other” funding includes federal grants for SHIP and from the U.S. Department of Health and Human Services (HHS) for rate review analysis under the ACA. Budget reduction reflects the spend out of some federal grants. Change in Fees and Assessments reflect fluctuation in statutorily required fees for revenue purposes.

Delaware: “Other” funding category includes NAIC grant and zone funds. Budget figures include Fraud budgets not included in prior years.

District of Columbia: The budget runs from Oct. 1–Sept. 30. Funding is combination; dedicated is used for insurance trust fund and quasi-dedicated is used for captive insurance.

Florida: “Other” funding includes cost good/services refunds, interest, royalties and transfers.

Georgia: “Other” funding includes federal funds. Guam: The fiscal budget year is Oct. 1–Sept. 30, e.g. fiscal

year 2019 is Oct. 1, 2018 – Sept. 30, 2019. Hawaii: “Other” funding includes interest earned and

premium tax on captive insurers. Idaho: “Other” funding includes federal grant funds.

Funding is quasi-dedicated. Illinois: Budget reflects proposed budget submitted to the

Illinois State Assembly. “Other” funding includes U.S. Department of Health and Human Services (HHS) federal Affordable Care Act (ACA) federal grants. The percentage of the budget will decrease as grants expire.

Iowa: Funding includes quasi-dedicated funding. Kansas: Office of the Kansas Securities Commissioner

merged with the Kansas Insurance Department July 1, 2017.

Kentucky: Budget projections are based on previous years and increase in revenue. Funding is a combination of funds that are restricted but can be reallocated to a general fund if needed. “Other” funding includes federal grants. The department is mostly funded by fees and assessments.

Louisiana: Funding is a combination of dedicated and quasi-dedicated. “Other” funding includes federal funds, auto theft funds, interest income from the federal Health Insurance Portability and Accountability Act (HIPAA), and auto theft funds.

Maryland: “Other” funding includes federal grants. Massachusetts: Funds are appropriated by the legislature;

assessments levied on the industry are shared between the insurance department and the state general fund. The Division of Insurance receives its budget from the general fund but is generated from fees and assessments received. The fiscal year 2020 is July 1, 2019 to June 30, 2020.

Michigan: The budget year runs from Oct. 1–Sept. 30. Minnesota: Funding is a combination of general, quasi-

dedicated and dedicated.

Mississippi: The legislature changed the law to fund the agency out of the state general fund starting with FY 2017.

Missouri: “Other” funding includes federal grants. Montana: Fines and penalties vary from year to year and

decreased in FY 2018. “Other” revenues include miscellaneous and conference revenues.

Nevada: The FY 2019 estimate reported in the 2017 IDRR did not include non-executive budgets. “Other” funding includes special services, recoveries, miscellaneous revenue, treasurer’s interest, appropriations and prior year revenue.

New Jersey: Funding is quasi-dedicated. Funding and spending governance are part of the general fund but dedicated to the Department. There is no surplus to the general fund; actual expenses equal the assessments. Only the assessments support the insurance department’s budget; fees go to the general fund. Note the 2017 IDRR reported budget amounts (FY2018 approved and estimated FY2019) and prior fiscal year responses to the budget did not include antifraud/enforcement personnel and contractual/intergovernmental employees, which was included in 2018 (FY 2019 approved and estimated/forecasted FY 2020) responses. Regarding proportion of expenses, only the assessments support the insurance department’s budget, the fees go to the general fund.

New Mexico: Funding is a combination of dedicated, quasi-dedicated and trust fund. Part of the funds remain dedicated in the form of fund balance that can be utilized in future fiscal years, while some funds revert to the state's general fund. It depends on the type of funds and legal authority. However, any deviations from the appropriation must be done through a budget adjustment request approved by the Executive and Legislature. “Other” funding includes direct and indirect federal grants, fund balance, and miscellaneous revenue.

New York: The budget runs April 1–March 31. North Dakota: One million is carried over, and the

remainder is transferred to the general fund. “Other” funding includes federal grants for the State Health Insurance Counseling Program (SHIC).

Northern Mariana Island: The Insurance Section is only a part of the Department of Commerce's Budget. The reported figures are estimates based on personnel and operations expenses. Budget year runs Oct. 1-Sept. 30.

Ohio: “Other” funding includes federal grants. Oklahoma: “Other” funding includes federal grants. The

department became non-appropriated in 2016. Oregon: “Other” funding includes examination fees, testing

fees, interest income and rebates. Oregon has a biennial budget from 7/1/2017 to 6/30/2019. As of publication the 7/1/2019 – 6/30/2021 biennium was not yet approved as of data collection.

Pennsylvania: Passing of the Pennsylvania General Assembly Act of July 2, 2013 provided for dedicated funding to the Department of Insurance (DOI). At the


68 Technical Notes

end of the fiscal year, the fund shall retain an amount equal to not more than 100% of the total expenditures and commitments by the department from the fund in the immediately preceding fiscal year. If the balance in the fund at the end of the fiscal year exceeds the retention amount, then that amount of the fund that exceeds the retention amount shall be lapsed and deposited in the general fund within 30 days of the end of the fiscal year. “Other” funding includes recoupment of costs related to special funds.

Puerto Rico: “Other” funding includes sales of publications, seminars, copies, and miscellaneous.

Rhode Island: Funding is a combination of general and dedicated funding. “Other” funding includes taxation funds.

South Carolina: The same budget was requested for fiscal year 2020 and no federal budget expected for 2020. Funding is a combination of general fund, earmarked and restricted. “Other” funding includes donations, investment earnings, refunds and miscellaneous.

Tennessee: The funding system is 100% of current service revenue beginning in FY 2006. The insurance division does request funds from the state general fund for the operations of the captive section. Those funds are generated by the captive section that go directly to the state general fund and then are requested back for operations of said section.

Texas: The budget runs Sept. 1–Aug. 31. “Other” funding includes federal funds, Texas Sure, Subsequent Injury Fund, interagency contracts and third-party reimbursements.

Washington: “Other” funding includes federal grants. Wisconsin: Wisconsin is allowed to keep a cash reserve of

10% of expenditure level; the rest goes to the state’s general fund.

Table 10 - Revenues Alabama: Fines collected in the prior year reflected a large

settlement. “Other” Revenue increase includes transfers, reimbursements of overpayments, and prior year adjustments.

Alaska: For consistency purposes, total taxes include retaliatory although Alaska considers this a fee. “Other Revenues” contains a new, as of fiscal year 2017, third party collections fund outside of regular fees and assessments. Fines/penalties fluctuate based upon the number of non-compliance issues that occur during a given year. The increase in this category reflect a third-party reimbursement that began in 2017.

Arizona: Total taxes paid by insurers in 2017 include workers’ compensation taxes paid to the Industrial Commission of Arizona. "Other revenues" increased due to life and disability insurance guaranty fund assessments.

California: The amount collected in fines and penalties each year will vary depending on the number of cases that settle, the size of the settlement and any costs recovery or restitution included in the settlement.

Colorado: Fines and penalties vary year to year and are dependent on market conduct, producer licensing and investigations, and other actions. Other revenues include federal grants, some of which were drawn down for ACA related projects in 2018.

Connecticut: Revenues reflect only collected Surplus Lines amounts.

District of Columbia: The collections are unpredictable. They change based on the number of and type of violations.

Florida: For Fiscal Year 2016-17, the fines and penalties were a lot higher due to one particularly large fine that was imposed on an insurance company.

Guam: There was no revenue data available as of publication of this report and has not been reported since 1994.

Idaho: There was a reduction in fines and penalties but an increase in settlement agreements during fiscal year 2017.

Illinois: Fine and Penalty Revenue decreased as a result of fewer producer fines. Other Revenue increased due to interest income received from late payment of taxes and fees.

Louisiana: The variance decreases for Fines and Penalties collected in 2018 are due to 1) an overall decrease in collections for producer licensing fines for "Failure to File Timely" and "Invalid/Bad Address" 2) the receipt of a single multi-state examination settlement over $1 million in 2017 compared to multi-state examination settlements of $700,000 in 2018; 3) penalties for taxes of $1.5 million in 2017 compared to a net $942,000 credit in 2018 resulting from the waiving/refunding of a penalty for taxes paid in 2017, but refunded in 2018. The variance in Other Revenues Collected in 2018 are due to 1) income not available collections of $8,000 in 2018 compared to $600,000 in 2017 due to accounts receivable collections from prior fiscal years and 2) draws for federal funds of $165,000 less in 2018 than 2017 due to the expiration of a federal grant in September, 2016.

Michigan: Total taxes paid by insurers in 2018 included taxes collected outside the department (i.e., retaliatory taxes collected by the Department of Treasury). Prior year NAIC IDRR survey reports did not include this data. The FY 2017 total taxes paid by insurers should have been 643,615,924. Fines and penalties are actual amounts collected during the fiscal year.

Minnesota: Fine revenue in 2018 was lower than 2017 due to inclusion of a large fine. Note fines and penalties will vary from year to year.

Missouri: Revenue reported may consist of late fees, settlements, and voluntary forfeitures. These fees are unpredictable in nature.

North Carolina: The decrease in fines from FY 2017 to FY 2018 was a result of some large fines/penalties collected in 2017 and not collected in 2018.

Northern Mariana Islands: Revenues are reported for calendar year 2018. Note 2017 revenues did not have a



basis provided. Revenues were reported starting in 2016.

New Jersey: Fine and penalty collections vary with the violations committed by insurers and other licensees.

Oregon: Total fees and assessments are up dramatically due to the addition of the Health Reinsurance Fund which levies a 1.5% assessment on health insurance premiums in accordance with HB 2391 (2017 session). Fines and penalties can vary significantly from one year to the next due to the amount of insurer or producer infractions. Other revenues are up mainly due to an increase in interest earnings from a higher fund balance due to the Health Reinsurance Fund.

Pennsylvania: Fines and penalties are unpredictable depending on the issue being evaluated. “Other” revenue for expenses related to examinations, federal funds and miscellaneous reimbursements to the department.

Rhode Island: The revenues reported in this report are on a fiscal year 2018: July 1, 2017 – June 30, 2018. Over the last few years the insurance companies were required to make their estimated payment for the full calendar year in March and June. There were no payments due for the period July through December. This goes back to when there was a budget shortfall and the legislature imposed an acceleration of estimated payments. That is being unwound and taxpayers now make four estimated payments in April, June, September, and December. See statute § 44-26-2.1.

South Carolina: The change in fees and assessments is related to biennial licensing. The change in fines and penalties was due to less activity.

South Dakota: There were fewer fines and penalties issued during fiscal year ending June 30, 2018 than were in the fiscal year ending June 30, 2017.

Tennessee: In 2017 there was a large refund due to a retaliatory settlement which caused the appearance of a large increase in fines/penalties in 2018 compared to 2017.

Vermont: Total fees and assessments decreased from 2017 to 2018 due to producer licenses being due every other year.

Washington: Fines and penalties vary based on consent orders and licensing late fees.

West Virginia: The “Other” revenue collected reduced in 2018 due to the department no longer receiving Severance Tax and the department’s portion of the Video Lottery revenue was reduced by 50% from 2017.

Wyoming: Starting in 2017, electronic late fees were included in the fine and penalty category.

Examination and Oversight Tables 11–13 - Number of Regulated Entities, Domestic and Foreign Insurers by Type Alabama: “Other” domestic insurers include prepaid dental

services corporations and a prepaid legal services corporation. “Other” foreign insurers include prepaid legal services corporations.

Alaska: “Other” domestic insurers include Multiple Employer Welfare Arrangement (MEWA), some of which are not required to report to the NAIC. “Other” foreign insurers include automobile service companies.

American Samoa: The count of domestic and foreign insurers was provided by the NAIC. These are company counts by type of annual statement filed.

Arizona: “Other” domestic and foreign insurers include life care providers.

Arkansas: “Other” domestic insurers include Farmers Mutual Aid Associations (FMAA) and Risk-Based Provider Organizations. “Other” foreign insurers include pre-paid legal insurers. “Other” non-filing domestic insurers include FMAA.

California: “Other” domestic insurers include home protection insurers that do not file with the NAIC. Health count is not provided, as in prior years. Health company counts are available from the California Department of Managed Health Care (CADMHC). There were 113 companies from CADMHC with written premium used for premium volume in 2018 IDRR Volume II as of June 10, 2019. Of companies that filed written premiums with the NAIC, 12 domestic companies filed 2018 health written premium in annual statements and 381 foreign companies filed 2018 health written premiums.

Delaware: “Other” domestic insurers include reinsurance trusts and workers’ compensation trust.

District of Columbia: The foreign health insurer count for 2016 should have been 12.

Florida: “Other” domestic and foreign insurers include continuing care retirement communities (CCRC), home warranty associations (HWA), motor vehicle manufacturers (MVM), motor vehicle service agreement companies (MVSAC), premium finance companies (PFC), legal expense insurers, service warranty associations (SWA), viatical settlement providers and reciprocal exchanges. In addition, “Other” foreign insurers include life expectancy providers (LEP), IICI and service warranty manufacturers (SWM). In addition, “Other” foreign insurers include new categories not included in prior years.

Georgia: “Other” domestic insurers include county mutual insurers, multiple employer welfare arrangements (MEWAs), inter-local risk management agencies (IRMAs) and auto self-insured.

Guam: “Other” foreign insurers include 12 surety insurers and 11 approved reinsurers.

Hawaii: “Other” domestic insurers include guaranty associations and dental insurers.

Idaho: “Other” domestic insurers include a county mutual insurer. “Other” foreign insurers include advisory and ratings organizations.

Illinois: “Other” domestic insurers include 50 farm mutual insurers and two mutual holding companies. “Other” foreign insurers include alien accredited reinsurers (foreign and alien), and alien fraternal.


70 Technical Notes

Indiana: “Other” domestic insurers include seven reciprocals and 29 farm mutual insurers. “Other” foreign insurers include 19 reciprocals.

Iowa: “Other” domestic insurers include state mutual insurers, county mutual insurers and benevolent associations.

Kansas: “Other” domestic insurers include non-profit dental service corporations and prepaid dental service plans. “Other” foreign insurers include prepaid legal and prepaid dental.

Kentucky: “Other” domestic insurers include assessment companies.

Louisiana: “Other” domestic insurers include nonprofit, service, guaranteed auto protection and vehicle mechanical breakdown. “Other” foreign insurers include reinsurance (accredited, certified, and trusteed) and vehicle mechanical breakdown. As provided for under Act No. 592 of the 2018 Regular Session, a large number of vehicle mechanical breakdown insurers elected to be regulated by the Louisiana Secretary of State rather than the Louisiana Department of Insurance.

Maine: Domestic and foreign insurers were reported in incorrectly in 2018. There should be one life/annuity insurer and five health insurers for a total of 20 domestic insurers. There should also be 704 property/casualty insurers and 16 title insurers for a total of 1,158 total foreign insurers.

Maryland: Some foreign insurers were double counted in life and health, annuities, and health in prior years. This was corrected in 2018.

Massachusetts: “Other” foreign insurers include service contract providers and life settlement providers.

Michigan: “Other” domestic insurers include a cooperative, one dental care company, and two farm mutual insurers.

Minnesota: “Other” domestic insurers include township mutual insurers.

Mississippi: “Other” domestic insurers include blood plans and legal expense. “Other” foreign insurers include auto clubs.

Missouri: “Other” domestic insurers include farm mutual companies, surplus lines carriers, and multiple employer welfare arrangements (MEWAs).

Montana: “Other” domestic insurers include multiple employer welfare arrangements (MEWAs). “Other” non-filing domestic insurers includes single state farm mutual insurers and MEWAs.

Nebraska: “Other” domestic insurers include assessments (county mutual) and associations. “Other” foreign insurers include two prepaid limited health and two prepaid dental.

Nevada: “Other” domestic insurers include one premium finance and two motor clubs. “Other” foreign insurers include 29 premium finance and 21 motor clubs. The increase in the number of foreign health insurers was due to companies applying for expansion in the state.

New Mexico: “Other” domestic insurers include prepaid dental. As of July 1, 2017, NM OSI started using NAIC

SBS system and some of the data is combined. For example, Title is included in Casualty also accident is included with health. NM had a total of 1,323 foreign insurance companies in 2018. In the 2016 and prior reports the department was able to separate each LOB.

New York: “Other” domestic insurers include charitable annuity societies, retirement systems, welfare funds, life settlement providers, continuing care retirement, municipal cooperatives, prepaid health services plans, and student health. “Other” foreign insurers include charitable annuity societies and life settlement providers.

North Carolina: The state adopted legislation in October 2013 allowing the licensing of North Carolina domestic Risk Retention Group. The number of licensed domestic health insurers increased adding three Health Maintenance Organization (HMO) companies. Note the purchasing groups reported in 2018 were not new but had not been reported in the 2017 report. There should have been 4 purchasing groups reported in the 2017 report.

North Dakota: “Other” domestic insurers include 11 county mutual insurers and two surplus lines. “Other” foreign insurers include four prepaid legal services and five reciprocals.

Ohio: “Other” domestic insurers includes credit union share guaranty, multiple employer welfare arrangements (MEWAs), and mutual protectives. “Other” foreign insurers include reciprocal exchanges.

Oklahoma: “Other” domestic insurers include mutual benefit associations, nonprofits and prepaid dental. “Other” foreign insurers include certified reinsurers and reciprocals. There were two exempt multiple employer welfare arrangements (MEWAs) not included in 2017 IDRR that were included in 2018.

Oregon: “Other” domestic insurers include exempt companies and multiple employer welfare arrangements (MEWAs). “Other” foreign insurers include exemptions, MEWAs, legal expense organizations and life settlement providers.

Puerto Rico: “Other” domestic insurers include international insurers (Chapter 61 of the insurance code of Puerto Rico).

Rhode Island: “Other” domestic insurers include Automobile Insurance Plan. “Other” foreign insurers include various reinsurers.

South Dakota: “Other” domestic insurers include farm mutual insurers and a multiple employer trust.

Tennessee: The change in the count of health companies is due to only including HMOs and Health Plans in 2017, whereas in 2018 other health insurers such as MEWAs were included. “Other” domestic insurers include county mutuals and limited capital reinsurers. The Non-filing domestic insurer count for 2017 had included captives that should have been reported in IDRR Volume Two instead of Volume One. For 2018, these captives were reported in Volume Two resulting in a decrease. “Other” non-filing domestic insurers includes county mutual insurers.



Texas: “Other” domestic insurers include exempt associations, mutual aids, mutual burial and legal services. “Other” foreign insurers include exempt associations.

U.S. Virgin Islands: Count of domestic was companies provided by the NAIC.

Utah: “Other” domestic and foreign insurers include guaranteed asset protection (GAP) waiver, home warranty, independent review, professional employer organizations. Additionally, “Other” foreign insurers include motor clubs and life settlement providers. The increase in “All Other” foreign insurers is from new Professional Employer Organizations (PEOs) being licensed in 2018.

Vermont: “Other” domestic insurers include continuing care retirement communities (CCRC), surplus lines (SL), and Statutory Insurance Trust. “Other” foreign includes mortgage guaranty insurers (MGI), reciprocals and life settlement providers. The decrease in other category because this was the first year that purchasing groups have been excluded from the total for this category.

Virginia: “Other” domestic insurers include legal service plans, P/C county mutual and burial society.

Washington: “Other” domestic and foreign insurers include multiple employer welfare arrangements (MEWAs).

Wisconsin: “Other” domestic insurers include continuing care retirement communities, warranty plans, service contract providers and care management organizations. “Other” foreign insurers include motor clubs, service contract providers, vehicle protection product plans, life settlement providers and continuing care retirement communities.

Wyoming: “Other” foreign insurers include service contract providers and Mechanical Breakdown Insurance Organizations (MBIOs).

Tables 14–17 - Financial and Market Conduct Exams and Examined Entities Tables Alaska: There was a correction to the number of financial

exams reported in 2017. The number of domestic statutory financial exams should have been 2, thus totaling 2 financial exams in 2017.

Arkansas: The number of financial exams completed in 2017 should have been 1. The number of combination financial/market conduct examinations in 2017 should have been 12 instead of 9.

California: Increased examination numbers do not reflect a change in operations.

Illinois: Of the 39 market conduct examinations started, 28 were completed in 2018.

Louisiana: Financial examinations in 2018 exclude coordinated exams where Louisiana was not a lead state.

Maryland: The Administration performs a financial examination every five years. In 2017, the Department adjusted their examination schedule to coincide with other states to perform more efficient multi-state coordinated examinations.

Michigan: Administrative oversight as three premium finance company examinations were not recorded in the Market Action Tracking System (MATS).

Minnesota: The department examines on a five-year rotation and there were fewer examinations due in 2016-2018 compared to 2015. Total exams do not match FEETS due to single state assessment associations and HMOs not being called in FEETS. There are entities that do not file with the NAIC and therefore were not called through FEETS. The increase in financial exams increased in 2018 compared to 2017 dye tin ire exams during the annual cycle.

Mississippi: As of 2013, statutory examinations are conducted on a five-year cycle. Previous years were completed on a three-year statutory cycle.

New Jersey: Financial examinations are based on either a 3-year or 5-year cycle. Examinations can and will be cyclical, and the total number of examinations can vary year to year.

New York: Because financial exams are conducted on a three to five-year statutory cycle and multistate exams are scheduled in coordination with other states, the number of exams that close during a given timeframe fluctuates. Due to timing and the cycle of exams there were more examinations completed in 2018 compared to 2017 for exams that were financial in nature and market conduct in nature.

North Carolina: Market Conduct (MC) Examinations are called whenever the Department deems it to be prudent for the protection of policyholders or the public. Domestic companies are not confirmed for a MC examination on a yearly basis. Therefore, the number of MC exams on domestics will vary from year to year.

Ohio: The increase in the number of financial exams was due to examining several large groups in 2018 compared to 2017. The decrease in market conduct examinations in 2018 was a result of less issues with domestic insurers during the year.

Pennsylvania: Examinations are completed based on the Pennsylvania statutory five-year exam requirement. The department numbers will NOT match FEETS because it does not typically call single state exams in FEETS, nor is there a way to call organizational exams to meet the 90 days FEETS requirement.

Puerto Rico: While no financial exams were completed in 2018, there were exams in progress as of year-end 2018.

Rhode Island: The number of domestic financial exams completed during any given year will fluctuate based upon the state’s five-year rotating exam schedule and the total staff hours needed to complete both large and small exams.

South Dakota: The number of financial exams increased due to completing a majority of farm mutual insurance companies’ examinations in 2018.

Texas: Market conduct examinations are not predetermined or scheduled. Examination candidates are identified through market analysis work, which includes a review of different market information and data in order to


72 Technical Notes

identify potential compliance issues. TDI conducts combination financial/market conduct exams. The increase in combination exams from 2017 was due to more companies being examined in the examination cycle as a result of coordination with other states. This in part, was driven by industry merger and acquisition activity.

Utah: More examinations were completed due to full staffing of the Examination Division.

West Virginia: W. Va. Code §33-2-9 states that the commissioner or his or her examiners shall at least once every five years visit each domestic insurer and thoroughly examine its financial condition and methods of doing business and ascertain whether it has complied with all the laws and regulations of this state. Market Conduct exams vary from year to year based on market conditions, complains, and statutory requirements. Market conduct examinations on self-insured groups are not included on MATS.

Table 18 –Market Actions This table includes completed non-exam market actions and counts of entities included in those actions. Idaho: The Administrative Order count includes consent

orders issued on multi-state penalties or fines, two actions were the result of a complaint investigation and a cease and desist issued by the legal section.

Louisiana: Financial/Regulatory Other Actions include cease and desist, fines or consent orders.

Missouri: The state of Missouri may have an Order grouping several companies of one group together, but each company has its own individual exam number and is examined separately.

Rhode Island: Note variances are minimal and the number of actions vary from year to year.

Texas: For 2018, 94 of the 100 actions reported in this table were combination financial/market conduct exams. Therefore only 6 were non-exam action.

Table 19 – Actions Taken Against Companies for Financial/Regulatory and Market Conduct Arizona: Other Actions include Cease and Desist Orders for

an unlicensed service company and Consent Orders for qualified health plans.

Colorado: Included in other actions are fines for violations of Reg. 1-1-8 for failure or delay in responding to Division inquiries.

Idaho: More Market Conduct exams were closed in 2017 leading to this increase.

Nevada: “Other” financial/regulatory actions include Consent to Fines issued for late payment of fees and assessments.

Texas: Data is not collected on judicial orders. “Other” actions under market conduct include commissioner/public hearings, State Office of Administrative Hearings (SOAH) (agents) and Texas Windstorm Insurance Association (TWIA) appeals.

West Virginia: Actions against companies are case by case and can vary widely from year to year.

Wyoming: The 21 “Other Actions” reported in the 2017 IDRR under Financial/Regulatory should have been listed under “Other Actions” in the Market Conduct section.

Table 20 - Formal Hearings Alabama: “All Other” Hearings include fire marshal

hearings. Illinois: “Other” hearings include producer disciplinary

hearings. Indiana: “Other” hearings include producer hearings,

including bail and recovery agents. Massachusetts: “All other” formal hearings includes three

residual market matters, 11 enforcement, one dental service plan and one Medicare supplement plan.

Nevada: “Other” hearings include licensing violations, regulation workshops, and regulation hearings. Nevada's Legislature is in session only during odd years. During those years, regulations are being revised so hearings are not held as often. In even years, following the Legislative session, hearings regarding regulations are held more frequently.

New Jersey: Note the number of acquisitions can vary from year to year.

New York: “Other” formal hearings include agency and/or broker disciplinary hearings.

North Carolina: “Other” hearings may include agent and bail bondsman licensure and disciplinary hearings, rate hearings, and other administrative matters and appeals.

Oklahoma: “Other” hearings include licensing and bail bondsmen.

Pennsylvania: “Other” hearings include insurance policy terminations and a mixed variety of cases under the commissioner’s jurisdiction.

South Dakota: The number of hearings increased in 2018 due to some domestic insurers having hearings as part of a change of control Form A filing.

Texas: “Other” hearings include commissioner, State Office of Administrative Hearings (SOAH) (Agents) and Texas Windstorm Insurance Association (TWIA) appeals.

Utah: “Other” includes evidentiary hearings. Virginia: “Other” hearings include Agent Hearings. Washington: “Other” hearings include producer licensing

hearings. These numbers did not account for review of Pharmacy Benefit appeals.

West Virginia: Hearings are held on an as-needed or as-reviewed basis and may vary year to year.

Wyoming: “Other” hearings include agency hearings.

Tables 21 - Supervisions, Receiverships, and Companies in Run-Off Colorado: Amount reported in 2017 as a Receivership-

Liquidation represented the anticipated total cost of the receivership of a single entity, which was assigned to the guaranty fund in 2018.

Idaho: Market actions, other than market examinations, include all non-regulatory interventions and focused inquiries closed in 2018.



Massachusetts: The in-progress receiverships-rehabilitations should have been a count of three instead of two in 2017.

Nevada: The increase in the liability amount of run-offs is the result of several receivership estates reaching the latter stages of their administration when the total liabilities were finally able to be determined. Note this can take several years to get to in the receivership process.

Oregon: The 2 in-progress “Receiverships – Conservations/Supervisions” as of year-end 2017 should have been reported as 1 instead of 2.

Rhode Island: The companies in receivership were winding down operations and thus reduced reserves.

South Dakota: The liability amount for the runoff initiated in 2018 was not available as of publication of this report.

Texas: Note there were two companies not previously reported in 2017 which were included in 2018 under the Receivership – Liquidations category.

Washington: Liability for supervisions is not disclosable. Wisconsin: There were three in-progress run-offs as of year-

end 2018 and should have been reported in 2017.

Insurance Producers Table 22 - Licensed Producers by Type Alaska: Some categories are significantly different due to

the way they were counted in 2017 compared to 2018. For 2018, Adjusters includes all reinsurance license types. “Other” includes Exempt Motor Vehicle Employees, Motor Vehicle Service Contract entities, and Viatical Settlement licensees. Managing General Agent (MGA) numbers are significantly higher in 2018 because exempt MGA licenses were not counted in 2017. Third-Party Administrators (TPAs) increased in 2018 because Alaska passed legislation requiring pharmacy benefit managers (PBMs) to register as a TPA in the state. Bail Bonds decreased in 2018 because several firms went out of business.

Arizona: The “Other” non risk-bearing organizations category did not include service companies or motor vehicle service contract programs in 2016 and prior reports that are included in 2017 and later.

Arkansas: The “Other” licensed producer/adjuster and non risk-bearing organizations may include continuing care, professional employer organizations (PEO) and exempt PEOs.

Colorado: Bail bonds are licensed as casualty producers in Colorado.

District of Columbia: “Other” licensed producers were individual and business entities with title insurance licenses and “Other” non risk-bearing organizations were domestic and foreign risk purchasing groups.

Georgia: The number of non risk-bearing organizations in the utilization review category was not available for 2018 as of publication of this report.

Guam: Prior to 2017, the number of licenses held was counted as opposed to the total number of individuals/entities licensed.

Florida: Starting July 1, 2018, the Managing General Agent (MGA) License was no longer available. Individuals wanting to act in the capacity of an MGA are now required to get an MGA appointment by an insurer under a General Lines (P&C), Life, Health or Limited Surety (Bail Bond) agent license. As of Dec. 31, 2018, there were 512 MGA appointments on record.

Hawaii: The 2017 Licensed Individual Insurance Producers total should have been 57,144 (Combined Resident of 7,682 and Non-Resident of 49,462). The 2017 Licensed Business Entities Total should have been 4,310 (Combined Resident of 622 and Non-Resident of 3,688). The 2017 Producer Licenses should have been 61,454, Surplus Lines Broker Licenses should have been 1,957 and Other should have been 125. The number of insurance producers increased due to more recruitments/appointments.

Idaho: Rating/Advisory organizations were over-reported in 2017.

Illinois: Adjuster licenses increased due to increased numbers of construction and roofing companies now licensed as Adjusters.

Indiana: “Other” non risk-bearing organizations include medical claims review agents (MCR), reinsurance intermediary managers (RIM), professional employer organizations (PEO), preferred provider organizations (PPO), and reinsurance intermediary brokers (RIB).

Kansas: “Other” individuals/entities include viatical, auto club, pharmacy benefits manager.

Maine: “Other” Licensed Producers/Adjusters are consultants.

Maryland: Rating/Advisory and Managing General Agent data was not available as of the publication date of this report.

Missouri: “Other” non risk-bearing organizations may include discount medical plans, life care facilities, reinsurance intermediaries, statutorily created entities and service contract providers.

Nebraska: The 2018 increase over 2017 in non risk-bearing organizations of rating/advisory were mostly advisory organizations, statistical agents, or both.

Nevada: The number of licensed producers/adjusters reported in 2017 did not include business entities which are included in the 2018 data. The “other” non risk-bearing organizations include independent review organizations.

New Jersey: Regarding Licensed Producer/Adjusters, the decrease in 2018 from 2017 in bail bonds was due to legislative changes in criminal law which lowered the need for bail bonds.

New Mexico: “Other” licensed producers/adjusters may include motor club representatives, insurance consultants, and viatical brokers.

Oregon: “Other” categories may include self-service storage, vehicle rental, portable electronics, consultant, life settlement brokers, life settlement investment agents, and temporary producers.

Rhode Island: The decrease in the individual entities counted in the “Other” category of Licensed


74 Technical Notes

Producers/Adjustors section was reclassified to Producer or Adjuster categories.

South Dakota: The large decrease in the number of licensed business entities in 2018 compared to 2017 are due to a business renewal law becoming effective in 2018.

Utah: The 50% reduction in "Other" licensed producers/adjustors from 40 to 20 represents a reduction in licensed Navigators due to the wind-down of the operations of Utah's Avenue H small employer health exchange effective July 1, 2018 resulting from legislation passed during the 2017 legislative session.

Wisconsin: Other Licensed Producers/Adjusters include Life Settlement Firm, Life Settlement Individual, Travel Insurance Firm, Navigator Business Entity, and Navigator Individual.

Wyoming: “Other” non risk-bearing organizations include preneed, rental car, portable electronic devise, travel and baggage, reinsurance intermediary brokers, reinsurance intermediary managers, and consultants. The decrease in the “Other” non risk-bearing organizations was due to a law change repealing Motor Club licensing for individuals and entities. Motor Clubs licenses were discontinued effective July 1, 2018.

Table 23 – Actions Against Producers Alaska: As of publication, several administrative actions

from 2018 are still pending and not reflected in the number of actions and fine amounts.

Colorado: The 2018 increase in suspensions reflects more warning letters to producers. The increase in 2017 suspensions from child support suspensions normalized in 2018.

Delaware: Late fees on license renewals are classified as fines and the number of license renewals increases bi-annually with non-resident renewals. Non-resident licensees are required to renew by February of every odd year. Resident licensees are required to renew by February of every even year. Delaware producer suspensions are defined as temporarily barring the privileges of an insurance license or licenses for a maximum of 12 months, which would include expired licensees, who may reinstate their license within the 12 months by paying an administrative penalty. The number of suspensions included in-actives, non-renewals, etc.

District of Columbia: The increase in revocations reflects better tracking. The increase in fines reflects normal variations.

Florida: Variations in workflow and work type can significantly affect the type of actions taken and total amount of restitution required.

Idaho: “Other” regulatory actions represent two consents, two denials, and three supervised licenses.

Illinois: The increase in suspensions and revocations is due to a new process of handling producers who fail to pay state taxes or child support. The new law regarding "Felonies" in 2018 is the reason for the decrease in denial orders. Total fines decreased due to an unusually large fine paid in the prior year.

Kentucky: "Other" total may include enforcements issued for Orders of Probation for one or two-year terms.

Maryland: The number of fines and restitutions represents the number of orders issued by the Enforcement Unit.). An order issued by the Enforcement unit may include a penalty and/or restitution.

Michigan: Enforcement actions resulted in market conduct settlement payments. Other actions increased due to special Designated Responsible Licensed Persons (DRLP) project.

Minnesota: The number of revocations and cease & desist orders are dependent on type and severity of violation determined during an investigation and may vary year to year. The increase in number of fines and other actions for 2018 increased over 2017 was due to investigations relating to continuing education (CE) non-compliance at time of renewal.

Missouri: The “Other” includes voluntary license surrenders. The large increase in restitution in 2018 over 2017 was due to several larger than normal returns to consumers related to improperly placed annuities, escrow funds held in title insurance files, and home service contracts/warranty files.

New Jersey: The number of denials will vary from year to year based on the number of applicants who fail to meet our standard qualifying requirements. The changes in enforcement action figures reflect the frequency and severity of the violations concluded in 2018.

Ohio: The "Other" category includes insurance licenses that were surrendered for cause. The decrease in revocations was due to a process change initiated by the Department’s Legal Division in 2018 whereby the applicable license is suspended instead of revoked. There was a decrease in the total case volume of all types, resulting in the reduced number of denials.

Oklahoma: “Other” actions against producers may include bail bond matters, denials, suspensions, revocations, and censures.

Oregon: Other actions include licenses issued on a probationary basis. Fines and fees can change dramatically from one year to the next.

South Carolina: Other actions include warning letters. South Dakota: The results include miscellaneous entities

such as third-party administrators (TPAs), discount medical plan organizations (DMPO), etc.

Virginia: The high number of revocations came as a result of a change in the Code of Virginia requiring agencies to name a Designated Licensed Producer, and many agencies failed to comply with the new requirements. The difference in fine amounts varies by the number of types of cases concluded in a given year.

Wyoming: The difference in fees relates to the nature of actions and an increase in cases that were settled for the investigation fee during 2018. These will vary from year to year. "Other" actions include settlements, memorandums of understanding (MOUs), consent orders, withdrawal of licenses, and suspensions of new business.



Consumer Services and Antifraud Table 24 - Consumer Complaints and Inquiries District of Columbia: The increase in inquiries reflects

better tracking. Idaho: Starting with 2017, consumer complaints opened

does not include health external reviews. Louisiana: As of 2013, inquiries are no longer tracked. Massachusetts: January call data was unavailable. Total

figures include estimated number of calls based upon the remaining 11 months.

Nevada: Complaint data is available upon request by consumers.

North Carolina: Complaint data is not posted to the department website; however, consumers may request aggregate complaint data. The 2018 decrease from 2017 of the number of inquiries relates to a transition to a new reporting database during 2018 which was unable to capture outstanding inquiry that was reportable for the 2017 data.

Ohio: The Ohio Senior Health Information Program conducted outreach events at county fairs during 2018, which had not been done previously. This resulted in the significant increase in inquiries.

Oklahoma: The 2017 values should have been 2,985 (instead of 4,558) complaints and 19,605 (instead of 21,873) inquiries.

Pennsylvania: The decrease in the number of inquiries is related to the department’s robust outreach and comprehensive information available on the department’s website.

Rhode Island: The 2017 number of inquiries was overreported due to inclusion of general consumer assistance, which was not included in the reported number of inquiries in 2018.

South Dakota: The department does not track inquiries as they are defined in the report.

Utah: The Health & Life Division implemented a new reporting process which resulted in more rigorous statistical data.

Vermont: The reduction in inquiries was due to fewer Affordable Health Care inquiries based on consumers becoming more educated over the past two years. This is primarily due to the public understanding the Department regulates Insurance Carriers not enrollment centers.

Wisconsin: Inquiries include phone calls received, emails received and requests for information and referrals.

Table 25 – Fraud Investigation Michigan: The Fraud Investigation Unit was established in

September 2018. Massachusetts: The Insurance Fraud Bureau (IFB) of

Massachusetts, separate from the Department of Insurance, is a unique and multifaceted investigative quasi-governmental agency authorized by an Act of the Massachusetts Legislature and signed into law in 1990.

Tennessee: During 2017 the fraud division became as separate and independent division within the Department of Commerce and Insurance. The fraud

division investigates securities, insurance and other type fraud cases in filed within the Department of Commerce and Insurance but does not have “criminal” authority.

Table 26 – Availability of Consumer Information Alabama: “Other” consumer information includes captive

insurance companies. Alaska: “Other” consumer information includes the Alaska

Insurance Consumer Guide. Arizona: “Other” consumer information includes premium

comparison, home warranty plans and use of credit. The Department offers Spanish brochures on healthcare appeals and resolving complaints.

Arkansas: “Other” consumer information includes disaster, federal Affordable Care Act (ACA), federal Consolidated Omnibus Budget Reconciliation Act (COBRA), federal Health Insurance Portability and Accountability Act (HIPPA), credit, home inventory and earthquake.

California: “Other” consumer information is available regarding earthquake insurance, insurance fraud, small business guide to commercial insurance, and guides for topics relevant for seniors.

Colorado: “Other” consumer information includes bail bonds, title, flood, annuities, discount health plans and buyer’s guide.

Connecticut: “Other” consumer information includes comparison of managed care organizations.

Delaware: “Other” consumer information includes flood, workplace safety, pet, travel and college.

District of Columbia: “Other” consumer information includes fraud, cancer, Medicare, prescription drug, flood and health discount cards.

Florida: “Other” consumer information includes HMOs, Annuities, Renters, Title, Viatical and Life Settlements and Medical Discount Program.

Georgia: “Other” consumer information includes the federal Health Insurance Portability and Accountability Act (HIPAA), federal Consolidated Omnibus Budget Reconciliation Act COBRA, pension, Medicare, disaster, flood, life and annuity.

Hawaii: “Other” consumer information includes flood. Idaho: “Other” consumer information includes life

settlements, annuities, title, and bail bonds. Illinois: “Other” consumer information includes Illinois

Comprehensive Health Insurance Plan (ICHIP), Fair Access to Insurance Requirements (FAIR) plan, mandatory insurance, guaranty association and uninsured ombudsman and Illinois Mine Subsidence Insurance Fund.

Indiana: “Other” consumer information includes the federal Health Insurance Portability and Accountability Act (HIPAA), federal Consolidated Omnibus Budget Reconciliation Act (COBRA), mine subsidence, Medicare Advantage, Medicare Part D, and Low-income Assistance for people with Medicare.

Iowa: “Other” consumer information includes continuing care and retirement communities.


76 Technical Notes

Kansas: “Other” consumer information includes renters, annuities, and travel.

Kentucky: “Other” consumer information includes annuities, dental, federal Consolidated Omnibus Budget Reconciliation Act (COBRA), renters, Kentucky Children’s Health Insurance Program (KCHIP), life settlements and health insurance appeals. Some brochures are available in Spanish.

Louisiana: “Other” consumer information includes insurance fraud, storm and a weekly consumer column. Some brochures are available in Spanish and Vietnamese.

Maine: “Other” consumer information includes credit scoring, business owners’ liability, farmowners’ liability and daycare liability. A few brochures are available in Spanish.

Maryland: “Other” consumer information includes annuities, title, commercial, fraud awareness, flood insurance and natural disaster preparedness. Some consumer brochures are available in Spanish and Korean.

Massachusetts: “Other” consumer information includes boat, commercial, credit, pet, recreational vehicle, federal Affordable Care Act (ACA), ride sharing/transportation network companies and renters’ insurance.

Michigan: “Other” consumer information includes insurance misrepresentation.

Minnesota: “Other” consumer information includes flood. Mississippi: “Other” consumer information includes

annuities and guaranty associations. Missouri: “Other” consumer information includes claim

(State Health Insurance Assistance Plan), renters’ insurance and “Surviving Severe Weather.”

Montana: “Other” consumer information includes wildfire insurance awareness and hail help.

Nebraska: “Other” consumer information includes surplus lines, flood insurance, burial plans and discount health plans.

Nevada: “Other” consumer information includes title, flood, bail, and earthquake.

New Hampshire: “Other” consumer information includes boat, annuities, renters’ insurance, condo, flood, breast cancer, small business and COBRA.

New Mexico: “Other” consumer information includes Patient Protection Act and Grievance Rights.

New York: “Other” consumer information includes small business, fraud, flood, and disability.

North Carolina: “Other” consumer information includes safe driver incentive program, “Teen Driving”, “External Review”, motorcycle, disaster preparation and recovery, and annuities.

North Dakota: “Other” consumer information includes fraud, prescription connection program and the State Health Insurance Assistance Program (SHIP).

Ohio: “Other” consumer information includes annuity. Oklahoma: “Other” consumer information includes

earthquake, flood, and bail bonds.

Oregon: “Other” consumer information includes Senior Health Insurance Benefits Assistance (SHIBA) and health insurance marketplace. Brochures are also available in Spanish and Russian.

Pennsylvania: “Other” consumer information includes renters’ insurance, pet, annuities, flood/National Flood Insurance Program (NFIP), senior insurance issues and young adults’ insurance issues.

Puerto Rico: “Other” consumer information available in the office, and online under NAIC InsureU guides.

Rhode Island: “Other” consumer information includes annuities.

South Carolina: “Other” consumer information includes flood, hazard, general liability, business owner and annuity.

South Dakota: “Other” consumer information includes farm/ranch and flood.

Tennessee: “Other” consumer information includes flood and earthquake. The information is HTML convertible to many different languages.

Texas: “Other” consumer information includes Health Maintenance Organizations (HMOs), surplus lines, title and commercial property.

U.S. Virgin Islands: NAIC updated based on information on the department’s webpage.

Utah: “Other” consumer information includes information for captives, annuities, bail bonds, title, flood and earthquake.

Virginia: “Other” consumer information includes commercial, teen auto, credit, title, disaster, renters, consumer assistance, force-placed, and credit scoring.

Washington: “Other” consumer information includes Medicare Part D, Medicare fraud/abuse, title, crop, credit, travel, and pet.

West Virginia: “Other” consumer information includes flood, fraud, consumer advocate, annuities and teen drivers.

Wisconsin: “Other” consumer information includes general insurance information.

Table 27 – Consumer Access to Insurance Departments U.S. Virgin Islands: NAIC updated the table to include the

web address. Note the webpage links to NAIC's State Based Systems for company and producer licensing information. The insurance complaint form is available online to print, fill out and mail/drop off at the Lt. Governor's Office.

Vermont: Online complaint submission is available through the Portal on the Insurance Website and housed in the Sircon platform.

Table 28 – Insurance Department Titles Table 28 is taken from the NAIC Membership List from the

NAIC Members webpage accessed June 25, 2019 (https://mymembership.naic.org/naic/members/bios.html).


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