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210

2017 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 31st 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 2017 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 2017.

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 2.19% from the 2016 level. Twenty departments increased staffing, and 24 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) increased by 1.57% from 2016, and was down by 13.55% since 2013.

Budget levels for fiscal year 2019 are expected to increase by 0.79% from 2018 amounts and to increase by 8.51% since 2015. Total projected fiscal year 2019 budgets total approximately $1.5 billion. California reported the largest 2019 budget, which is $58.8 million greater than the second-largest 2019 budget (New York). Twenty-eight states reported increased 2019 budget amounts from their 2018 reported budgets.

Revenues collected from the insurance industry increased 2.10% from 2016 to $23.9 billion in 2017. Total taxes collected increased by 3.34%.

The number of U.S. domestic insurers decreased from 5,977 companies in 2016 to 5,954 companies in 2017. 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 1,652. There were 224 liquidations in progress at year-end, as well as 35 rehabilitations in progress.

© 2018 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

afitzpatrick

Sticky Note

Marked set by afitzpatrick

Licensed resident producers numbered nearly 2.2 million individuals and 236,033 entities. Non-resident producers consisted of nearly 6.2 million individuals and 432,487 entities. Meanwhile, 7,211 fines and 577 restitutions were levied against insurance producers; 30,700 licenses were suspended; and 2,397 licenses were revoked.

State insurance departments received 290,813 official

complaints and nearly 1.7 million inquiries. Forty-one states had separate criminal fraud investigation units, and 54 jurisdictions had company and producer licensing information available online.


Table of Contents Volume One

Staffing Page 1

State Commissioners – 2017 ....................................................................................................................... 2 Total Insurance Department Staff 2013–2017 ............................................................................................ 3 Figure 1: Insurance Department Staff 2009–2017 ...................................................................................... 4 Figure 2: Insurance Department Staff Breakdown – 2017.......................................................................... 4 Insurance Department Staffing – By Position – 2017 ........................................................................... 5–13 Total Contractual/Intergovernmental Staff 2013 – 2017 .......................................................................... 14 Contractual/Intergovernmental Staff – By Position – 2017 ................................................................ 15–17 Insurance Department Salary Range – By Position – 2017 ................................................................ 18–26

Budget and Funding 27

Figure 3: Aggregate Insurance Department Budgets 2009–2019 ............................................................. 28 Figure 4: Annual Budget Growth Rates 2009–2019 ................................................................................. 28 Insurance Department Budgets – Fiscal Years 2015–2019 ...................................................................... 29 States in Descending Order of 2019 Budget ............................................................................................. 30 Funding and Expenses – 2017 .................................................................................................................. 31 Revenues – 2017 ....................................................................................................................................... 32

Examination and Oversight 33–34

Figure 5: Number of Domestic Insurers 2009–2017................................................................................. 35 Figure 6: Number of Domestic Insurers in 2017 ...................................................................................... 35 Number of Regulated Entities – 2017 ....................................................................................................... 36 Number of Domestic Insurers by Type – 2017 ......................................................................................... 37 Number of Licensed Foreign Insurers by Type – 2017 ............................................................................ 38 Financial and Market Conduct Exams Completed – 2017........................................................................ 39 Financial Exams – 2017 ............................................................................................................................ 40 Market Conduct Exams – 2017 ................................................................................................................. 41 Combined Financial/Market Conduct Exams – 2017 ............................................................................... 42 Market Actions – 2017 .............................................................................................................................. 43 Actions Taken Against Companies in 2017 .............................................................................................. 44 Formal Hearings – 2017 ............................................................................................................................ 45 Supervisions, Receiverships and Companies in Run-Off – 2017 ....................................................... 46–50

Insurance Producers 51

Licensed Producers – 2017 .................................................................................................................. 52-54 Actions against Producers – 2017 ........................................................................................................ 55-56


Consumer Services and Antifraud 57

Consumer Complaints/Inquiries – 2017 ................................................................................................... 58 Fraud Investigation – 2017........................................................................................................................ 59 Availability of Consumer Information – 2017 .......................................................................................... 60 Consumer Access to Insurance Departments – 2017 .......................................................................... 61–62 Insurance Department Titles – 2017 ......................................................................................................... 63

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


2017 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 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. As the number of insurance companies and the complexity of their business

dealings have increased, departments have increased the number and training of financial examiners and analysts.

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.

Just as many companies contract services to use their

limited resources more efficiently, the state insurance departments also use contract staff. 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 computer 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, 2017. 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 Banking and Securities

Florida Appointed

Georgia Elected

Guam Appointed

Industrial Loan Commissioner, State Fire Marshal Banking

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, and Consumer Services

Minnesota Appointed

Mississippi Elected State Fire Marshal

Missouri Appointed

Montana Elected

Nebraska Appointed

State Auditor, Securities Commissioner, State Land Board Member State Claims Board Chair

Nevada Appointed

New Hampshire Appointed

New Jersey Appointed Banking & Real Estate

New Mexico Appointed

New York Appointed Banking

North Carolina Elected State Fire Marshal

North Dakota Elected

N. Mariana Islands Appointed Department of Commerce Secretary and Banking DirectorOhio Appointed

Oklahoma Elected

Oregon Appointed Banking and Securities AdministratorPennsylvania Appointed

Puerto Rico Appointed

Rhode Island Appointed Banking SuperintendentSouth Carolina Appointed

South Dakota Appointed Securities

Tennessee Appointed State Fire Marshal and SecuritiesTexas Appointed

U.S. Virgin Islands Elected Lieutenant Governor, Banking and SecuritiesUtah Appointed

Vermont Appointed Banking and Securities

Virginia Appointed

Washington Elected

West Virginia Appointed

Wisconsin Appointed

Wyoming Appointed

Table 1

State Commissioners - 2017


Banking, Securities and Real Estate


State

Alabama 166.25 164.50 156.00 152.50 152.00 9.38%

Alaska 42.00 43.00 40.00 54.00 54.00 -22.22%

American Samoa 0.00 0.00 0.00 0.00 0.00 0.00%

Arizona 78.25 80.25 84.25 87.75 86.75 -9.80%

Arkansas 160.00 169.00 217.00 218.00 214.00 -25.23%

California 1,415.00 1,392.00 1,410.00 1,391.00 1,325.50 6.75%

Colorado 92.00 92.50 92.50 99.00 99.50 -7.54%

Connecticut 148.00 147.00 148.00 150.00 149.00 -0.67%

Delaware 99.00 98.00 94.00 89.00 88.00 12.50%

Dist. of Columbia 84.50 85.50 83.00 82.00 82.00 3.05%

Florida 854.00 870.00 861.00 841.00 857.00 -0.35%

Georgia 220.00 225.00 221.00 234.00 274.00 -19.71%

Guam 8.00 9.00 8.00 8.00 8.00 0.00%

Hawaii 101.00 97.00 95.00 95.00 96.00 5.21%

Idaho 76.50 73.50 73.50 73.50 73.00 4.79%

Illinois 221.00 248.00 258.00 249.00 234.00 -5.56%

Indiana 87.00 88.00 88.00 92.00 92.00 -5.43%

Iowa 120.00 117.00 105.00 101.00 101.00 18.81%

Kansas 108.50 108.00 118.41 122.91 122.91 -11.72%

Kentucky 122.00 123.00 130.00 126.00 121.00 0.83%

Louisiana 223.00 228.00 225.00 246.00 249.00 -10.44%

Maine 71.00 72.00 72.00 73.00 73.00 -2.74%

Maryland 204.00 200.00 236.00 241.00 235.00 -13.19%

Massachusetts 122.00 126.00 130.00 135.00 138.00 -11.59%

Michigan 174.08 168.38 167.91 167.36 166.10 4.80%

Minnesota 85.04 100.45 78.75 81.75 83.20 2.21%

Mississippi 95.00 95.00 94.00 96.00 91.00 4.40%

Missouri 224.00 240.00 234.00 229.00 220.00 1.82%

Montana 77.50 75.20 76.20 77.30 79.60 -2.64%

Nebraska 101.00 104.00 105.50 103.50 103.00 -1.94%

Nevada 87.00 87.00 86.00 85.00 85.00 2.35%

New Hampshire 82.00 82.00 82.00 78.00 75.00 9.33%

New Jersey 338.00 342.00 351.00 352.50 358.00 -5.59%

New Mexico 92.00 119.00 127.00 82.00 88.00 4.55%

New York 746.00 746.00 763.00 809.00 814.00 -8.35%

North Carolina 407.60 391.10 395.60 398.60 414.00 -1.55%

North Dakota 46.00 49.50 49.50 49.50 49.50 -7.07%

N. Mariana Islands 3.00 3.00 0.00 0.00 0.00 -

Ohio 276.50 276.50 277.50 280.50 279.50 -1.07%

Oklahoma 117.00 117.00 119.00 116.00 126.00 -7.14%

Oregon 94.44 94.00 93.50 98.00 95.00 -0.59%

Pennsylvania 222.00 199.00 225.00 222.00 222.00 0.00%

Puerto Rico 89.00 98.00 99.00 102.00 103.00 -13.59%

Rhode Island 38.00 37.00 37.00 37.00 38.00 0.00%

South Carolina 82.00 95.00 85.00 88.00 87.00 -5.75%

South Dakota 33.50 33.00 33.00 33.00 33.00 1.52%

Tennessee 119.00 119.00 127.00 133.00 132.00 -9.85%

Texas 1,459.20 1,525.50 1,525.75 1,716.45 1,715.45 -14.94%

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

Utah 95.00 93.00 93.00 93.00 93.00 2.15%

Vermont 65.50 63.20 64.20 67.45 69.40 -5.62%

Virginia 199.00 192.00 192.00 197.00 196.00 1.53%

Washington 245.50 243.50 240.00 230.50 229.80 6.83%

West Virginia 288.00 343.00 379.00 385.00 401.00 -28.18%

Wisconsin 132.25 132.25 132.25 132.25 132.25 0.00%

Wyoming 26.00 26.00 26.00 26.00 26.00 0.00%

Total 10,963.11 11,209.03 11,304.32 11,527.32 11,529.46 -4.91%

*Excludes contractual employees

2013-201720142016

Percent

2017 2015 2013

Table 2

Total Insurance Department Staff 2013-2017*


4 Staffing

Figure 1

Insurance Department Staff 2009-2017

Figure 2

Insurance Department Staff Breakdown - 2017Executive, 5.8% Administration, 7.1%

Legal, 5.9%

Actuarial, 11.5%

Financial Regulation, 18.0%Market Conduct

Regulation, 4.6%

Antifraud, 11.6%

Consumer Affairs, 12.6%

Licensing, 6.1%

Information Systems/Technical Services, 5.2%

All Other (including Commissioner), 11.5%

2009 2010 2011 2012 2013 2014 2015 2016 2017

Staff by Year 11,590 11,601 11,575 11,532 11,529 11,531 11,304 11,209 10,963

0

2,000

4,000

6,000

8,000

10,000

12,000

14,000

Full‐Time Equivalent Em

ployees



State

Alabama 12.00 1.50 0.50 1.50 6.00 4.00

Alaska 1.00 1.00 2.00 0.00 0.00 0.00

American Samoa - - - - - -

Arizona 7.00 0.00 0.00 0.00 2.00 0.00

Arkansas 6.00 1.00 0.00 1.00 11.00 3.00

California 47.00 4.00 4.00 17.00 103.00 56.00

Colorado 3.00 1.00 1.00 0.00 2.00 0.00

Connecticut 10.00 1.00 1.00 1.00 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 4.50 5.00

Florida 12.00 2.00 2.00 2.00 20.00 9.00

Georgia 2.00 1.00 1.00 2.00 3.00 3.00

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 11.00 1.00 2.00 6.00 12.00 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 1.00 5.50 5.00 4.50

Kentucky 7.00 1.00 1.00 2.00 6.00 2.00

Louisiana 11.00 3.00 1.00 4.00 10.00 2.00

Maine 1.00 1.00 0.00 1.00 7.00 0.00

Maryland 9.00 2.00 1.00 3.00 9.00 4.00

Massachusetts 4.00 1.00 0.00 1.00 15.00 0.00

Michigan 5.52 0.50 2.60 1.56 6.24 3.12

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 3.00 1.00 8.00 3.00

Nebraska 0.00 1.00 0.00 0.00 4.00 1.00

Nevada 3.00 1.00 1.00 2.00 4.00 7.00

New Hampshire 3.00 2.00 2.00 2.00 4.00 3.00

New Jersey 12.00 1.00 0.00 13.00 6.00 3.00

New Mexico 1.00 0.00 0.00 2.00 8.00 5.00

New York 2.00 2.00 2.00 7.00 25.00 9.00

North Carolina 10.00 2.00 - 3.00 3.50 3.00

North Dakota 1.00 1.00 - 1.00 4.00 1.00

N. Mariana Islands 0.00 0.00 0.00 0.00 0.00 0.00

Ohio 13.00 3.00 3.00 3.00 10.00 2.00

Oklahoma 11.00 4.00 - 1.00 5.00 3.00

Oregon 1.50 0.00 5.50 2.50 2.00 -

Pennsylvania 20.00 3.00 4.00 2.00 9.00 2.00

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 2.00 1.00 3.00 1.00

South Dakota 3.50 0.00 0.00 1.00 4.00 1.00

Tennessee 3.00 1.00 1.00 5.00 8.00 3.00

Texas 11.00 4.00 4.00 11.00 58.85 6.00

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

Utah 10.00 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 6.00

Washington 11.00 5.00 8.00 11.50 5.00 4.00

West Virginia 3.00 0.00 0.00 1.00 9.00 13.00

Wisconsin 4.75 0.00 4.90 2.00 5.60 1.00

Wyoming 1.00 0.00 0.00 0.00 1.00 1.00

Total 349.27 67.50 75.50 148.56 463.69 188.12

Table 3

Insurance Department Staffing - By Position - 2017Executive Legal

Deputy/Assistant

Commissioners Media Public Policy Support Staff Lawyers Support Staff


6 Staffing

State

Alabama 2.50 1.00 3.75 1.00 1.50 0.00

Alaska 3.00 0.00 0.00 1.00 4.00 0.00


Arizona 2.00 0.00 2.00 2.00 0.00 0.00

Arkansas 2.00 2.00 0.00 0.00 0.00 36.00

California 27.00 25.00 13.00 10.00 35.00 8.00

Colorado 1.00 0.00 3.00 0.00 0.50 1.00

Connecticut 1.00 1.00 6.00 0.00 0.00 0.00

Delaware 2.00 3.00 1.00 3.00 0.00 6.00

Dist. of Columbia 2.00 3.00 0.00 0.00 5.00 0.00

Florida 2.00 1.00 0.00 0.00 0.00 2.00

Georgia 2.00 1.00 1.00 1.00 3.00 0.00

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 0.00 2.50

Illinois 7.00 4.00 3.00 3.00 2.00 4.00

Indiana 0.00 0.00 2.00 1.00 1.00 2.00

Iowa 0.00 1.00 0.00 0.00 2.00 6.00

Kansas 1.00 1.50 0.00 4.50 2.50 0.00

Kentucky 1.00 1.00 0.00 0.00 5.00 2.00

Louisiana 11.00 2.00 0.00 4.00 13.00 2.00

Maine 1.00 0.00 2.00 1.00 0.00 0.00

Maryland 5.00 4.00 0.00 0.00 0.00 1.00

Massachusetts 0.00 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 0.80 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 3.00 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 5.00

New Hampshire 1.00 2.00 4.00 2.00 - 2.00

New Jersey 7.00 8.00 1.00 2.00 15.00 1.00

New Mexico 4.00 1.00 5.00 4.00 1.00 1.00

New York 2.00 19.00 9.00 5.00 10.00 4.00

North Carolina 4.00 4.00 5.00 - 9.00 5.00

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 2.00 1.00 1.00 2.00 5.00 5.00

Oregon 0.00 0.00 0.00 0.00 0.00 0.00

Pennsylvania 2.00 0.00 1.00 2.00 0.00 3.00

Puerto Rico 2.00 2.00 0.00 2.00 3.00 4.00

Rhode Island 0.00 0.00 0.00 0.00 0.00 0.00

South Carolina 3.00 1.00 2.00 1.00 0.00 3.00

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 17.00 4.00 4.00 59.50 2.00


Utah 0.00 0.00 0.00 3.00 2.00 0.00

Vermont 0.00 0.00 0.25 - - 2.00

Virginia 2.00 0.00 4.00 2.00 0.00 -

Washington 7.00 2.00 5.00 0.00 6.00 -

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 0.00

Total 135.44 123.57 102.99 85.04 203.16 128.54

Table 3 (continued)

Insurance Department Staffing - By Position - 2017

Support Staff

Administration

Supervisory

Staff

Human Other

AdministrativeResources

Business

Office Revenue



State

Alabama 0.00 1.00 1.00 3.50 3.00 1.00

Alaska 2.00 1.00 1.00 4.00 4.00 0.00


Arizona 2.00 0.50 0.00 4.50 1.50 2.75

Arkansas 1.00 0.00 0.00 3.00 5.00 2.00

California 1.00 22.00 11.00 0.00 77.00 9.00

Colorado 3.00 4.00 2.00 7.00 5.00 1.00

Connecticut 3.00 6.00 2.00 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 4.00 5.00 7.00 13.00 24.00 11.00

Georgia 1.00 1.00 0.00 5.00 6.00 2.00

Guam 0.00 0.00 0.00 0.50 0.50 -

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 3.00 12.00 5.00 2.00

Indiana 2.00 2.00 1.00 4.00 4.00 1.00

Iowa 1.00 1.00 1.00 2.00 1.00 1.00

Kansas 1.00 1.00 0.00 6.00 9.00 2.00

Kentucky 3.00 0.00 0.00 9.00 6.00 7.00

Louisiana 9.00 2.00 2.00 13.00 17.00 6.00

Maine 4.00 1.00 1.00 3.00 2.00 1.00

Maryland 3.00 1.00 2.00 13.00 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 9.00 3.00

Minnesota 1.00 3.00 1.00 8.00 4.00 0.00

Mississippi 3.00 0.00 0.00 3.00 4.00 6.00

Missouri 2.00 4.00 1.00 9.00 7.00 1.00

Montana 1.00 2.50 1.00 3.00 2.00 1.50

Nebraska 3.00 2.00 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 4.00 2.00 4.00 10.00 12.00 3.00

New Mexico 4.00 1.00 2.00 4.00 1.00 0.00

New York 7.00 33.00 18.00 36.00 35.00 7.00

North Carolina 7.00 4.00 3.00 10.00 4.00 3.00

North Dakota 1.00 1.00 1.00 3.00 1.00 0.00


Ohio 7.00 8.00 5.00 15.00 6.00 3.00

Oklahoma 4.00 1.00 - 1.00 4.00 1.00

Oregon 0.94 3.00 2.00 7.00 3.00 4.00

Pennsylvania 3.00 8.00 6.00 5.00 2.00 0.00

Puerto Rico 3.00 1.00 3.00 0.00 3.00 2.00

Rhode Island 0.50 0.00 0.00 1.00 1.00 1.00

South Carolina 1.00 2.00 2.00 2.00 4.00 0.00

South Dakota 0.00 1.00 0.00 3.00 1.50 0.00

Tennessee 3.00 0.00 0.00 3.00 5.00 3.00

Texas 3.00 15.75 11.75 42.00 27.50 6.00


Utah 2.00 2.00 0.00 7.00 2.00 2.00

Vermont 3.00 - - 4.00 4.00 0.00

Virginia 6.00 1.00 0.00 13.00 16.00 2.00

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 0.50 0.00 0.00 3.75 2.00 2.00

Wyoming 1.00 0.00 0.00 2.00 2.00 1.00

Total 141.94 163.75 107.75 358.25 376.00 117.25

Table 3 (continued)

Insurance Department Staffing - By Position - 2017Actuarial

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 5.00 0.00 0.55 3.00

Alaska 1.00 3.00 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 3.00 15.00 7.00 0.00 0.00 0.00 6.00

California 26.00 15.00 70.00 0.00 0.00 0.00 9.00

Colorado 2.00 9.00 6.00 0.00 0.00 0.00 0.00

Connecticut 13.00 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 5.00

Dist. of Columbia 2.00 2.00 3.00 0.50 0.00 6.00 0.00

Florida 27.00 24.00 41.00 123.00 0.00 0.00 12.00

Georgia 3.00 2.00 8.00 0.00 0.00 3.00 3.00

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 2.50

Illinois 5.00 37.00 10.00 0.00 0.00 0.00 1.00

Indiana 4.00 0.00 7.00 0.00 0.00 0.00 1.00

Iowa 3.00 16.00 20.00 0.00 0.00 0.00 1.00

Kansas 2.00 8.00 8.00 0.00 0.00 0.00 0.00

Kentucky 1.00 0.00 1.00 0.00 0.00 1.00 4.00

Louisiana 6.00 6.00 15.00 0.00 0.00 0.00 2.00

Maine 8.00 7.00 4.00 0.00 0.00 0.00 1.00

Maryland 8.00 9.00 6.00 0.00 0.00 0.00 1.00

Massachusetts 10.00 9.00 10.00 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 6.00 0.00 0.00 0.00 2.00

Mississippi 1.50 0.00 8.00 0.00 0.00 0.00 1.00

Missouri 6.00 46.00 8.00 2.00 0.00 3.00 2.00

Montana 1.00 5.00 0.00 0.00 0.00 5.00 0.50

Nebraska 10.00 10.00 12.00 0.00 0.00 4.00 1.00

Nevada 2.00 5.00 4.00 0.00 0.00 0.00 4.00

New Hampshire 1.00 4.00 6.00 - - - -

New Jersey 5.00 9.00 26.00 1.00 0.00 1.00 10.00

New Mexico 2.00 2.00 0.00 0.00 0.00 0.00 1.00

New York 15.00 94.00 128.00 0.00 0.00 0.00 16.00

North Carolina 15.00 17.60 9.00 3.00 - 8.00 5.00

North Dakota 1.00 2.00 2.00 0.00 0.00 0.00 1.00

N. Mariana Islands 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Ohio 18.00 13.00 18.00 1.00 0.00 3.00 2.00

Oklahoma 2.00 - 8.00 - - 1.00 2.00

Oregon 1.00 6.00 8.00 0.00 0.00 1.00 3.00

Pennsylvania 9.00 24.00 13.00 0.00 0.00 0.00 3.00

Puerto Rico 4.00 9.00 6.00 0.00 0.00 0.00 3.00

Rhode Island 1.50 10.00 5.00 0.00 0.00 0.00 0.50

South Carolina 4.00 5.00 3.00 0.00 0.00 6.00 1.00

South Dakota 0.00 0.00 3.00 0.00 0.00 0.00 0.00

Tennessee 3.00 15.00 17.00 0.00 0.00 6.00 10.00

Texas 3.00 62.00 37.00 10.50 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 - - 28.00 -

Virginia 7.00 10.00 10.00 0.00 0.00 0.00 3.00

Washington 8.00 16.00 6.00 0.00 0.00 0.00 2.00

West Virginia 3.00 3.00 6.00 0.00 0.00 0.00 2.00

Wisconsin 7.00 18.50 18.50 0.00 0.00 0.00 2.00

Wyoming 1.00 3.00 1.00 0.00 0.00 0.00 0.00

Total 301.70 611.10 655.95 149.00 2.00 107.55 149.50

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 0.00 0.00 0.00 0.00 0.00

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 30.00 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 0.00

Dist. of Columbia 0.50 0.00 0.50 0.00 0.00

Florida 5.00 0.00 19.00 0.00 2.00

Georgia 1.00 2.00 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 11.00 2.00 0.00 0.00

Indiana 0.00 1.00 0.00 0.00 0.00

Iowa 0.00 0.00 2.00 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 5.00 8.00 2.00 0.00 1.00

Massachusetts 1.00 0.00 1.00 3.00 0.00

Michigan 3.00 5.00 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 3.00 26.00 0.00 0.00 3.00

Montana 1.00 2.00 0.00 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 5.00 7.00 0.00 0.00

New Mexico 1.00 0.00 0.00 2.00 0.00

New York 4.00 37.00 24.00 0.00 6.00

North Carolina 2.00 12.00 6.00 - 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 6.00 3.00 0.00 0.00

Oklahoma 1.00 - 2.00 - -

Oregon 0.50 2.00 5.00 0.00 1.00

Pennsylvania 3.00 8.00 3.00 0.00 0.00

Puerto Rico 1.00 2.00 3.00 0.00 1.00

Rhode Island 0.50 4.00 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 1.00 0.00 0.00 0.00 0.00

Texas 2.50 7.00 0.00 14.00 1.00

U.S. Virgin Islands - - - - -

Utah 0.00 7.00 1.00 0.00 1.00

Vermont 1.00 2.00 - - 1.00

Virginia 2.00 0.00 20.00 0.00 1.00

Washington 3.00 8.00 3.00 0.00 1.00

West Virginia 1.00 5.00 3.00 0.00 1.00

Wisconsin 4.25 5.00 6.00 1.00 1.00

Wyoming 1.00 0.00 0.00 0.00 0.00

Total 72.75 227.00 146.50 23.55 29.50

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 0.00 0.00 0.00


Arizona 0.00 6.00 0.00 2.00 1.00

Arkansas 1.00 5.00 0.00 0.00 2.00

California 81.00 191.00 72.00 0.00 97.00

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 43.00 124.00 0.00 0.00 33.00

Georgia 1.00 7.00 0.00 0.00 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 1.00

Illinois 3.00 0.00 5.00 4.00 0.00

Indiana 3.00 1.00 0.00 6.00 1.00

Iowa 1.00 3.00 0.00 0.00 1.00

Kansas 0.00 2.00 0.00 0.00 0.50

Kentucky 2.00 9.00 0.00 0.00 3.00

Louisiana 2.00 0.00 6.00 2.00 2.00

Maine 0.00 0.00 0.00 0.00 0.00

Maryland 4.00 4.00 1.00 6.00 4.00

Massachusetts 1.00 0.00 6.00 0.00 1.00

Michigan 0.00 0.00 0.00 0.00 0.00

Minnesota 6.00 12.00 8.00 0.00 1.00

Mississippi 0.00 0.00 1.00 0.00 3.00

Missouri 1.00 0.00 13.00 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 - 2.00 1.00

New Jersey 16.00 0.00 59.00 7.00 8.00

New Mexico 3.00 4.00 0.00 2.00 1.00

New York 3.00 43.00 5.00 0.00 3.00

North Carolina 2.00 16.00 - - 1.00

North Dakota 0.00 0.00 2.00 0.00 0.00

N. Mariana Islands 0.00 0.00 0.00 0.00 0.00

Ohio 4.00 5.50 9.50 0.00 2.00

Oklahoma 1.00 4.00 - - 2.00

Oregon 0.50 0.00 3.00 0.00 0.50

Pennsylvania 3.00 0.00 9.00 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 33.00 6.75 7.00 8.00


Utah 2.00 9.00 0.00 0.00 3.00

Vermont 0.00 0.00 0.00 0.00 0.00

Virginia 3.00 0.00 0.00 17.00 0.00

Washington 5.00 4.00 7.00 0.00 2.00

West Virginia 8.00 19.00 7.00 0.00 14.00

Wisconsin 0.00 0.00 0.00 0.00 0.00

Wyoming 0.00 0.00 0.00 0.00 0.00

Total 222.25 530.50 247.25 64.00 206.00

Table 3 (continued)

Insurance Department Staffing - By Position - 2017Antifraud/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 0.00

Alaska 1.00 2.00 0.00 0.00 0.00 0.00 0.00


Arizona 1.00 0.00 0.00 7.00 0.00 1.00 1.00

Arkansas 2.00 9.00 0.00 0.00 2.00 0.00 6.00

California 15.00 72.00 0.00 29.00 2.00 0.00 11.00

Colorado 3.00 12.00 0.00 0.00 4.50 0.00 2.00

Connecticut 2.00 9.00 0.00 0.00 0.00 0.00 3.00

Delaware 6.00 7.00 0.00 0.00 2.00 0.00 2.00

Dist. of Columbia 0.50 6.00 1.00 0.00 0.00 0.00 0.00

Florida 7.00 53.00 5.00 46.00 0.00 0.00 7.00

Georgia 4.00 13.00 0.00 10.00 0.00 0.00 2.00

Guam 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Hawaii - 5.00 - 2.00 - - 1.00

Idaho 2.00 6.00 0.00 0.00 9.00 0.00 1.00

Illinois 2.00 21.00 0.00 0.00 0.00 0.00 3.00

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 10.00 0.00 0.00 0.00 0.00 4.00

Kentucky 3.00 8.00 1.00 0.00 0.00 0.00 1.00

Louisiana 4.00 14.00 5.00 0.00 3.00 0.00 3.00

Maine 2.00 8.00 1.00 3.00 0.00 0.00 1.00

Maryland 10.00 24.00 0.00 4.00 0.00 4.00 12.00

Massachusetts 2.00 3.00 0.00 0.00 0.00 0.00 1.00

Michigan 3.00 17.00 0.00 5.20 0.00 4.00 2.50

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 3.00 25.00 0.00 0.00 0.00 0.00 3.00

Montana 0.00 9.00 0.00 0.00 0.00 0.00 0.00

Nebraska 2.00 7.00 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 8.00 18.00 0.00 6.00 0.00 2.00 4.00

New Mexico 1.00 0.00 2.00 0.00 0.00 0.00 0.00

New York 2.00 46.00 5.00 0.00 0.00 6.00 14.00

North Carolina 7.00 22.00 - - 21.50 3.00 5.00

North Dakota 1.00 2.00 0.00 1.00 2.00 0.00 0.00

N. Mariana Islands 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Ohio 8.00 21.00 0.00 0.00 15.00 0.00 3.00

Oklahoma 1.00 7.00 3.00 - 4.00 - 2.00

Oregon 1.00 9.50 0.00 4.00 0.00 0.00 2.00

Pennsylvania 4.00 11.00 0.00 0.00 0.00 0.00 4.00

Puerto Rico 3.00 5.00 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 6.00 0.00 0.00 0.00 1.00

South Dakota 0.00 3.50 0.00 0.00 0.00 0.00 1.00

Tennessee 2.00 9.00 0.00 0.00 0.00 0.00 4.00

Texas 19.00 38.25 0.00 168.50 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 3.00 14.00 2.00 0.00 0.00 1.00 6.00

Washington 8.00 0.00 15.00 0.00 9.00 0.00 8.00

West Virginia 5.00 1.00 1.00 10.00 0.00 2.00 3.00

Wisconsin 1.00 5.75 0.00 0.00 0.00 0.00 4.00

Wyoming 0.00 2.00 0.00 0.00 0.00 0.00 1.00

Total 166.00 602.00 48.00 307.70 87.00 24.00 143.50

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 0.00 0.00 0.00


Arizona 2.00 3.00 0.00 1.00 2.00

Arkansas 1.00 7.00 0.00 0.00 0.00

California 10.00 60.00 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 3.00 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 0.00 0.00 0.00 1.00

Guam 0.00 1.00 1.00 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 8.00 5.00 3.00 5.00 0.00

Indiana 1.00 6.00 5.00 1.00 0.00

Iowa 1.00 8.00 0.00 0.00 0.00

Kansas 1.00 4.00 1.00 2.00 0.00

Kentucky 3.00 3.00 0.00 3.00 4.00

Louisiana 4.00 8.00 5.00 1.00 9.00

Maine 1.00 2.00 0.00 0.00 0.00

Maryland 4.00 6.00 3.00 0.00 0.00

Massachusetts 2.00 4.00 0.00 0.00 0.00

Michigan 3.00 15.00 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 6.00 3.00 0.00 0.00

Montana 1.00 4.00 0.00 0.00 1.00

Nebraska 1.00 4.00 1.00 0.00 0.00

Nevada 2.00 7.00 0.00 0.00 1.00

New Hampshire 1.00 2.00 1.00 - -

New Jersey 4.00 11.00 0.00 0.00 0.00

New Mexico 2.00 5.00 3.00 0.00 3.00

New York 2.00 4.00 3.00 0.00 14.00

North Carolina 7.00 7.00 - 1.00 2.00

North Dakota 1.00 2.00 0.00 0.00 0.00

N. Mariana Islands 1.00 - - 1.00 -

Ohio 4.00 3.00 2.00 6.00 0.50

Oklahoma 5.00 6.00 - 8.00 2.00

Oregon 0.50 8.00 0.00 0.00 0.00

Pennsylvania 2.00 2.00 3.00 0.00 6.00

Puerto Rico 0.00 3.00 0.00 0.00 0.00

Rhode Island 0.00 2.00 1.00 0.00 1.00

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 10.00 2.00 0.00 1.00

Texas 6.00 43.00 16.00 0.00 2.00


Utah 0.00 5.00 2.00 0.00 0.00

Vermont 0.00 3.00 - - 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 4.00 1.00 0.00 0.00

Wyoming 1.00 2.00 0.00 0.00 0.00

Total 113.00 370.00 78.75 39.80 71.34

Table 3 (continued)


Supervisory Producer Company Other

Licensing Licensing Support StaffStaff Licensing

Licensing



StateAlabama 3.00 3.75 3.00 0.75 0.25 36.75 166.25Alaska 0.00 0.00 0.00 0.00 0.00 1.00 42.00American Samoa - - - - - - 0.00Arizona 1.00 1.00 1.00 0.00 0.00 1.00 78.25Arkansas 3.00 3.00 4.00 1.00 2.00 8.00 160.00California 19.00 39.00 32.00 6.00 0.00 39.00 1,415.00Colorado 0.00 1.00 0.00 0.00 0.00 1.00 92.00Connecticut 0.00 3.00 2.00 0.00 0.00 1.00 148.00Delaware 1.00 1.00 1.00 0.00 0.00 1.00 99.00Dist. of Columbia 1.00 2.00 0.00 1.00 0.00 3.00 84.50Florida 24.00 31.00 42.00 10.00 16.00 4.00 854.00Georgia 3.00 1.00 3.00 1.00 0.00 113.00 220.00Guam 0.00 0.00 0.00 0.00 0.00 1.00 8.00Hawaii 0.00 0.00 0.00 0.00 0.00 1.00 101.00Idaho 1.00 1.00 2.00 1.00 0.00 6.00 76.50Illinois 0.00 0.00 0.00 0.00 0.00 1.00 221.00Indiana 0.00 0.00 0.00 0.00 0.00 5.00 87.00Iowa 0.00 0.00 1.00 0.00 0.00 18.00 120.00Kansas 0.00 1.00 1.00 0.00 0.00 4.50 108.50Kentucky 2.00 0.00 2.00 0.00 3.00 8.00 122.00Louisiana 2.00 3.00 3.00 0.00 0.00 2.00 223.00Maine 1.00 0.00 0.00 3.00 0.00 1.00 71.00Maryland 4.00 3.00 5.00 3.00 0.00 1.00 204.00Massachusetts 0.00 0.00 0.00 0.00 0.00 25.00 122.00Michigan 0.00 0.00 0.00 0.00 0.00 1.00 174.08Minnesota 0.00 0.00 0.00 0.00 0.00 1.00 85.04Mississippi 3.00 2.00 4.00 0.00 0.00 1.00 95.00Missouri 0.00 0.00 0.00 0.00 0.00 4.00 224.00Montana 1.00 0.00 2.00 1.00 0.00 4.00 77.50Nebraska 0.00 0.00 2.00 0.00 0.00 5.00 101.00Nevada 0.00 1.00 0.00 0.00 0.00 5.00 87.00New Hampshire - - - - - 1.00 82.00New Jersey 1.00 6.00 9.00 0.00 0.00 10.00 338.00New Mexico 1.00 3.00 0.00 0.00 0.00 10.00 92.00New York 3.00 6.00 16.00 9.00 2.00 4.00 746.00North Carolina 3.00 5.00 9.00 - 1.00 137.00 407.60North Dakota 0.00 1.00 0.00 0.00 0.00 9.00 46.00N. Mariana Islands 0.00 0.00 0.00 0.00 0.00 1.00 3.00Ohio 6.00 1.00 10.00 2.00 3.00 12.00 276.50Oklahoma 1.00 - 1.00 1.00 1.00 1.00 117.00Oregon 0.00 0.50 0.00 1.50 - 4.50 94.44Pennsylvania 0.00 0.00 0.00 0.00 0.00 42.00 222.00Puerto Rico 1.00 0.00 0.00 2.00 0.00 1.00 89.00Rhode Island 0.00 0.00 0.00 0.00 0.00 3.00 38.00South Carolina 2.00 2.00 1.00 0.00 0.00 1.00 82.00South Dakota 0.00 0.00 0.00 0.00 0.00 1.00 33.50Tennessee 0.00 0.00 0.00 0.00 0.00 1.00 119.00Texas 5.00 25.00 19.00 31.00 1.00 586.35 1,459.20U.S. Virgin Islands - - - - - - 0.00Utah 0.00 0.00 0.00 0.00 0.00 4.00 95.00Vermont 0.00 0.25 0.00 0.00 0.00 1.00 65.50Virginia 2.00 3.00 0.00 0.00 0.00 1.00 199.00Washington 5.00 6.00 9.00 0.00 0.00 4.00 245.50West Virginia 4.00 0.00 5.00 1.00 1.00 115.00 288.00Wisconsin 3.00 3.00 6.50 1.00 0.00 7.00 132.25Wyoming 0.00 0.00 0.00 0.00 0.00 3.00 26.00Total 106.00 158.50 195.50 76.25 30.25 1,263.10 10,963.11

Table 3 (continued)

Insurance Department Staffing - By Position - 2017Information Systems/Technical Services Other Staff Total

Support StaffData Services

Staff Personnel Prog./AnalystsDepartmentEmployeesPersonnel

Supervisory Systems/LAN ComputerAll Other


14 Staffing

State

Alabama 1.00 1.00 1.00 1.00 0.00 -

Alaska 10.00 10.00 11.00 8.00 8.00 25.00%

American Samoa 0.00 0.00 0.00 0.00 0.00 0.00%

Arizona 14.64 14.61 18.41 18.18 16.14 -9.29%

Arkansas 0.00 0.00 0.00 0.00 0.00 0.00%

California 23.50 24.00 24.00 29.00 29.00 -18.97%

Colorado 19.00 12.00 11.00 14.00 17.00 11.76%

Connecticut 1.00 1.00 1.00 1.00 1.00 0.00%

Delaware 143.00 144.00 144.00 136.00 129.00 10.85%

Dist. of Columbia 8.00 8.00 8.00 0.00 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 10.90 10.90 10.90 12.00 12.00 -9.17%

Illinois 5.00 9.00 9.00 0.00 0.00 -

Indiana 35.00 35.00 35.00 31.00 31.00 12.90%

Iowa 1.50 1.50 1.50 1.50 1.50 0.00%

Kansas 0.00 0.00 0.00 2.00 2.00 -100.00%

Kentucky 31.00 30.70 34.60 29.60 29.60 4.73%

Louisiana 68.00 68.00 91.00 98.00 98.00 -30.61%

Maine 2.95 2.75 3.00 3.00 4.30 -31.40%

Maryland 23.00 14.00 19.00 16.00 16.00 43.75%

Massachusetts 1.30 5.40 4.40 4.40 5.00 -74.00%

Michigan 31.85 31.85 31.85 31.85 31.85 0.00%

Minnesota 31.65 32.65 24.65 24.15 21.50 47.21%

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 10.50 -100.00%

Nebraska 0.00 0.00 0.00 0.00 0.00 0.00%

Nevada 4.00 2.00 4.00 6.00 27.43 -85.42%

New Hampshire 2.50 2.50 4.50 0.00 0.00 -

New Jersey 19.00 19.00 19.00 18.00 59.00 -67.80%

New Mexico 45.00 11.00 14.00 6.00 10.00 350.00%

New York 116.08 132.00 148.00 142.00 183.00 -36.57%

North Carolina 0.00 8.00 8.00 11.00 14.00 -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 15.00 7.00 14.00 21.00 -85.71%

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 16.00 16.00 16.00 16.00 87.50%

Puerto Rico 0.00 4.00 1.00 3.00 4.00 -100.00%

Rhode Island 10.49 10.00 14.44 14.00 12.00 -12.58%

South Carolina 8.00 10.00 12.50 12.00 14.00 -42.86%

South Dakota 5.25 5.50 5.50 6.50 8.25 -36.36%

Tennessee 13.00 13.00 13.00 13.00 13.00 0.00%

Texas 12.00 14.00 12.00 12.00 14.00 -14.29%

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

Utah 19.00 19.00 19.00 20.00 20.00 -5.00%

Vermont 0.00 0.00 0.00 0.00 0.00 0.00%

Virginia 1.00 1.00 1.00 1.00 0.00 -

Washington 3.30 4.60 4.60 4.60 3.50 -5.71%

West Virginia 7.00 7.00 7.00 7.00 8.00 -12.50%

Wisconsin 0.57 0.45 0.40 0.38 0.28 103.57%

Wyoming 11.00 10.00 7.00 8.00 4.00 175.00%

Total 780.98 768.91 809.75 783.66 903.35 -13.55%

Table 4

Total Contractual/Intergovernmental Staff 2013-2017

2013-20172016 2015 2014 2013

Percent

2017



StateAlabama 0.00 1.00 0.00 0.00 0.00 0.00Alaska 0.00 3.00 1.00 1.00 0.00 4.00American Samoa - - - - - -Arizona 0.00 2.00 1.46 0.25 0.20 0.00Arkansas 0.00 0.00 0.00 0.00 0.00 0.00California 0.00 0.00 0.00 0.00 0.00 0.00Colorado 0.00 6.00 0.00 0.00 0.00 0.00Connecticut 0.00 0.00 0.00 0.00 0.00 0.00Delaware 2.00 6.00 17.00 7.00 0.00 0.00Dist. of Columbia 8.00 0.00 0.00 0.00 0.00 0.00Florida 0.00 0.00 0.00 0.00 0.00 0.00Georgia - - - - - -Guam 0.00 0.00 0.00 0.00 0.00 0.00Hawaii 0.00 0.00 0.00 0.00 0.00 0.00Idaho 0.00 5.00 0.20 0.20 - -Illinois 2.00 - - - - -Indiana 0.00 10.00 0.00 0.00 0.00 0.00Iowa 1.50 0.00 0.00 0.00 0.00 0.00Kansas 0.00 0.00 0.00 0.00 0.00 0.00Kentucky 5.00 0.00 2.00 1.00 0.00 0.00Louisiana 0.00 11.00 2.00 2.00 0.00 0.00Maine - 2.95 - - - -Maryland 4.00 0.00 0.00 0.00 0.00 0.00Massachusetts 0.60 0.00 0.00 0.20 0.00 0.00Michigan 1.00 6.00 3.50 2.00 0.25 0.25Minnesota 0.00 0.00 3.00 0.50 2.00 0.00Mississippi 0.00 5.00 0.00 1.00 0.00 2.00Missouri 0.00 0.00 0.00 0.00 0.00 0.00Montana 0.00 0.00 0.00 0.00 0.00 0.00Nebraska 0.00 0.00 0.00 0.00 0.00 0.00Nevada - 2.00 - - 2.00 -New Hampshire - 0.50 - - - -New Jersey 0.00 13.00 0.00 0.00 0.00 0.00New Mexico 34.00 9.00 0.00 0.00 0.00 0.00New York 0.00 0.00 5.11 1.30 0.00 0.00North Carolina - - - - - -North Dakota - - - - - -N. Mariana Islands 0.00 0.00 0.00 0.00 0.00 0.00Ohio 0.00 0.00 0.00 0.00 0.00 0.00Oklahoma 0.00 0.00 0.00 0.00 0.00 0.00Oregon 0.00 0.50 0.00 0.00 0.00 0.00Pennsylvania 0.00 0.00 0.00 0.00 0.00 0.00Puerto Rico 0.00 0.00 0.00 0.00 0.00 0.00Rhode Island 0.00 0.00 3.00 3.00 2.00 2.00South Carolina 3.00 0.00 0.00 0.00 0.00 0.00South Dakota 0.00 0.00 0.50 0.50 0.00 0.00Tennessee 0.00 0.00 1.00 1.00 0.00 0.00Texas 0.00 0.00 0.00 0.00 0.00 0.00U.S. Virgin Islands - - - - - -Utah 0.00 4.00 4.00 0.00 0.00 0.00Vermont 0.00 0.00 0.00 0.00 0.00 0.00Virginia 0.00 0.00 1.00 0.00 0.00 0.00Washington 0.00 2.30 0.00 0.00 0.00 0.00West Virginia 0.00 0.00 0.00 3.00 0.00 0.00Wisconsin - - 0.16 0.41 - -Wyoming 0.00 4.00 4.00 2.00 0.00 0.00Total 61.10 93.25 48.93 26.36 6.45 8.25

Table 5

Contractual/Intergovernmental Staff - By Position - 2017

Analysts - P/CLawyers Actuaries - L/H Actuaries - P/C Analysts - L/HRate/Form Rate/Form

Administration


16 Staffing

StateAlabama 0.00 0.00 0.00 0.00 0.00 0.00Alaska 0.00 0.00 0.00 1.00 0.00 0.00American Samoa - - - - - -Arizona 4.90 0.00 1.30 0.00 0.00 0.00Arkansas 0.00 0.00 0.00 0.00 0.00 0.00California 0.00 0.00 22.50 1.00 0.00 0.00Colorado 0.00 0.00 0.00 12.00 0.00 0.00Connecticut 0.00 0.00 0.00 0.00 0.00 0.00Delaware 44.00 6.00 20.00 13.00 3.00 0.00Dist. of Columbia 0.00 0.00 0.00 0.00 0.00 0.00Florida 0.00 0.00 0.00 0.00 0.00 0.00Georgia - - - - - -Guam 0.00 0.00 0.00 0.00 0.00 0.00Hawaii 0.00 0.00 0.00 0.00 0.00 0.00Idaho 3.00 - - - - -Illinois - - - - - -Indiana 12.00 0.00 0.00 3.00 0.00 0.00Iowa 0.00 0.00 0.00 0.00 0.00 0.00Kansas 0.00 0.00 0.00 0.00 0.00 0.00Kentucky 8.00 4.00 0.00 6.00 1.00 0.00Louisiana 16.00 0.00 0.00 1.00 0.00 0.00Maine - - - - - -Maryland 0.00 0.00 0.00 2.00 0.00 2.00Massachusetts 0.50 0.00 0.00 0.00 0.00 0.00Michigan 1.00 0.50 0.00 0.10 0.00 0.00Minnesota 6.00 0.00 0.15 20.00 0.00 0.00Mississippi 0.00 0.00 0.00 0.00 0.00 0.00Missouri 0.00 0.00 0.00 0.00 0.00 0.00Montana 0.00 0.00 0.00 0.00 0.00 0.00Nebraska 0.00 0.00 0.00 0.00 0.00 0.00Nevada - - - - - -New Hampshire - 1.00 - - - -New Jersey 0.00 0.00 0.00 0.00 0.00 -New Mexico 0.00 0.00 1.00 0.00 0.00 1.00New York 9.80 0.00 96.00 0.00 0.00 0.00North Carolina - - - - - -North Dakota - - - - - -N. Mariana Islands 0.00 0.00 0.00 0.00 0.00 0.00Ohio 0.00 0.00 0.00 0.00 0.00 0.00Oklahoma 0.00 0.00 0.00 0.00 0.00 0.00Oregon 0.00 0.00 0.00 0.00 0.00 0.00Pennsylvania 0.00 0.00 30.00 0.00 0.00 0.00Puerto Rico 0.00 0.00 0.00 0.00 0.00 0.00Rhode Island 0.00 0.00 0.00 0.49 0.00 0.00South Carolina 1.00 0.00 0.00 0.00 0.00 0.00South Dakota 1.00 0.00 0.00 1.00 0.00 1.00Tennessee 4.00 2.00 5.00 0.00 0.00 0.00Texas 0.00 0.00 12.00 0.00 0.00 0.00U.S. Virgin Islands - - - - - -Utah 8.00 0.00 0.00 0.00 0.00 0.00Vermont 0.00 0.00 0.00 0.00 0.00 0.00Virginia 0.00 0.00 0.00 0.00 0.00 0.00Washington 0.00 0.00 0.00 0.00 0.00 1.00West Virginia 4.00 0.00 0.00 0.00 0.00 0.00Wisconsin - - - - - -Wyoming 0.00 0.00 1.00 0.00 0.00 0.00Total 123.20 13.50 188.95 60.59 4.00 5.00

Investigators

Table 5 (continued)

Contractual/Intergovernmental Staff - By Position - 2017Criminal

FraudMarket AnalystsExaminers Analysts Personnel Examiners

Financial Financial Receivership Market



StateAlabama 0.00 0.00 0.00 0.00 0.00 0.00 1.00Alaska 0.00 0.00 0.00 0.00 0.00 0.00 10.00American Samoa - - - - - - 0.00Arizona 0.00 0.00 0.00 0.30 0.51 3.72 14.64Arkansas 0.00 0.00 0.00 0.00 0.00 0.00 0.00California 0.00 0.00 0.00 0.00 0.00 0.00 23.50Colorado 0.00 0.00 0.00 0.00 0.00 1.00 19.00Connecticut 0.00 0.00 0.00 0.00 0.00 1.00 1.00Delaware 0.00 0.00 0.00 20.00 5.00 0.00 143.00Dist. of Columbia 0.00 0.00 0.00 0.00 0.00 0.00 8.00Florida 0.00 0.00 0.00 0.00 0.00 0.00 0.00Georgia - - - - - - 0.00Guam 0.00 0.00 0.00 0.00 0.00 0.00 0.00Hawaii 0.00 0.00 0.00 0.00 0.00 0.00 0.00Idaho - - 1.00 - - 1.50 10.90Illinois - - 2.00 - - 1.00 5.00Indiana 0.00 0.00 0.00 0.00 0.00 10.00 35.00Iowa 0.00 0.00 0.00 0.00 0.00 0.00 1.50Kansas 0.00 0.00 0.00 0.00 0.00 0.00 0.00Kentucky 0.00 0.00 0.00 4.00 0.00 0.00 31.00Louisiana 0.00 0.00 0.00 17.00 0.00 19.00 68.00Maine - - - - - - 2.95Maryland 2.00 5.00 2.00 0.00 0.00 6.00 23.00Massachusetts 0.00 0.00 0.00 0.00 0.00 0.00 1.30Michigan 0.00 0.00 0.00 6.00 0.00 11.25 31.85Minnesota 0.00 0.00 0.00 0.00 0.00 0.00 31.65Mississippi 0.00 0.00 0.00 0.00 0.00 0.00 8.00Missouri 0.00 0.00 0.00 0.00 0.00 0.00 0.00Montana 0.00 0.00 0.00 0.00 0.00 0.00 0.00Nebraska 0.00 0.00 0.00 0.00 0.00 0.00 0.00Nevada - - - - - - 4.00New Hampshire - - - 1.00 - - 2.50New Jersey - - 0.00 1.00 0.00 5.00 19.00New Mexico 0.00 0.00 0.00 0.00 0.00 0.00 45.00New York 0.00 0.00 0.00 2.70 0.00 1.17 116.08North Carolina - - - - - - 0.00North Dakota - - - - - - 0.00N. Mariana Islands 0.00 0.00 0.00 0.00 0.00 0.00 0.00Ohio 0.00 0.00 0.00 3.00 0.00 0.00 3.00Oklahoma 0.00 0.00 0.00 0.00 0.00 0.00 0.00Oregon 0.00 0.00 0.00 0.00 0.00 0.00 0.50Pennsylvania 0.00 0.00 0.00 0.00 0.00 0.00 30.00Puerto Rico 0.00 0.00 0.00 0.00 0.00 0.00 0.00Rhode Island 0.00 0.00 0.00 0.00 0.00 0.00 10.49South Carolina 0.00 0.00 1.00 0.00 0.00 3.00 8.00South Dakota 1.00 0.00 0.00 0.25 0.00 0.00 5.25Tennessee 0.00 0.00 0.00 0.00 0.00 0.00 13.00Texas 0.00 0.00 0.00 0.00 0.00 0.00 12.00U.S. Virgin Islands - - - - - - 0.00Utah 0.00 0.00 0.00 3.00 0.00 0.00 19.00Vermont 0.00 0.00 0.00 0.00 0.00 0.00 0.00Virginia 0.00 0.00 0.00 0.00 0.00 0.00 1.00Washington 0.00 0.00 0.00 0.00 0.00 0.00 3.30West Virginia 0.00 0.00 0.00 0.00 0.00 0.00 7.00Wisconsin - 0.00 - - - - 0.57Wyoming 0.00 0.00 0.00 0.00 0.00 0.00 11.00Total 3.00 5.00 6.00 58.25 5.51 63.64 780.98

Table 5 (continued)

Contractual/Intergovernmental Staff - By Position - 2017Civil Information

Fraud EnforcementPersonnel All Other TotalInvestigators Personnel

Systems ProcessingAdvocates PersonnelConsumer

Data


18 Staffing

StateAlabama 45,502 152,618 32,287 84,276 55,327 84,276 45,502 141,785Alaska 94,236 192,504 64,488 136,836 52,260 146,340 - -American Samoa - - - - - - - -Arizona 64,101 133,322 - - - - 55,203 99,501Arkansas 86,887 157,100 56,039 81,257 - - 56,039 125,986California 68,268 203,520 57,408 71,856 36,756 84,816 64,644 180,011Colorado 88,140 142,836 61,380 89,844 61,380 89,844 88,140 142,836Connecticut 80,261 178,651 86,813 118,362 41,200 130,573 84,204 128,307Delaware 76,903 115,355 39,093 87,998 54,827 82,241 97,569 162,615Dist. of Columbia 102,649 177,004 78,364 143,708 - - 115,520 187,662Florida 63,000 150,000 43,507 88,050 34,467 121,515 52,627 90,099Georgia 53,560 220,667 57,289 100,124 53,560 220,667 61,000 116,000Guam 0 0 0 0 0 0 0 0Hawaii 44,000 109,000 41,000 77,000 - - 62,000 94,000Idaho 75,400 121,400 33,000 59,000 52,100 93,100 - -Illinois 80,004 130,008 65,004 65,004 55,008 95,004 60,000 99,996Indiana 82,000 125,000 45,000 65,000 - - 50,000 88,000Iowa 94,162 189,800 - - 66,352 102,045 59,009 91,249Kansas 61,684 109,000 - - 62,000 107,500 60,005 67,500Kentucky 65,000 87,000 26,000 26,000 87,000 87,000 55,000 84,000Louisiana 83,240 150,000 25,896 53,290 - 85,000 36,275 106,725Maine 65,686 90,480 41,059 55,765 - - 50,710 90,480Maryland 73,612 145,499 41,358 110,729 78,595 126,186 64,608 126,186Massachusetts 44,590 131,895 44,590 120,932 - - 44,590 120,932Michigan 133,356 154,835 64,534 78,395 52,219 95,368 63,543 124,550Minnesota 92,081 141,483 54,413 95,964 49,110 90,055 60,552 114,569Mississippi 63,408 130,150 59,008 103,265 67,521 118,163 50,000 110,000Missouri 80,880 115,000 34,416 50,016 72,000 77,677 53,040 93,000Montana 90,000 115,200 55,000 55,000 65,000 80,000 81,771 127,629Nebraska - - 34,940 50,604 - - 67,003 116,147Nevada 101,495 103,884 48,337 71,806 65,751 98,888 103,884 113,436New Hampshire 73,359 109,861 49,432 84,142 61,630 92,649 67,041 92,649New Jersey 118,101 135,000 66,514 66,514 - - 61,405 116,342New Mexico 53,558 132,558 - - - - 44,827 139,190New York 156,000 169,000 80,000 169,000 95,000 167,000 82,000 162,000North Carolina 50,238 154,699 48,195 85,115 - - 78,450 147,666North Dakota - 106,000 51,121 85,210 - - - 106,000N. Mariana Islands - - - - - - - -Ohio 86,897 157,373 51,626 76,802 54,350 88,022 68,744 99,424Oklahoma 95,000 99,000 55,000 61,875 - - 68,987 99,000Oregon 88,224 129,936 - - 62,772 129,936 67,284 98,472Pennsylvania 48,897 139,208 68,186 86,685 51,149 92,792 54,689 144,665Puerto Rico 72,000 95,004 0 0 60,000 71,832 60,540 81,996Rhode Island - - - - - - 82,377 93,349South Carolina 75,830 134,903 48,622 89,956 48,622 109,457 59,161 109,457South Dakota 59,277 77,793 0 0 0 0 64,457 74,038Tennessee 93,228 236,148 44,400 79,920 57,228 103,020 44,844 136,592Texas 83,991 227,038 45,158 90,393 39,521 129,137 45,158 156,256U.S. Virgin Islands - - - - - - - -Utah 70,300 119,100 48,700 73,100 - - 60,900 91,500Vermont 97,582 146,373 - - - - - -Virginia 104,150 171,847 0 0 81,687 130,700 72,290 171,847Washington 86,712 125,172 54,072 87,672 76,848 104,892 76,500 95,004West Virginia 35,028 114,888 - - - - 41,736 81,132Wisconsin 43,234 136,111 - - 52,535 141,002 49,924 120,667Wyoming 84,960 127,440 - - - - 68,388 102,588

Table 6

Insurance Department Salary Range - By Position - 2017LegalExecutive

Low HighHigh Low High LowLowLawyers

Deputy/AssistantCommissioners Media Public Policy

High



StateAlabama 47,458 90,725 31,488 47,758 29,954 72,686 43,339 76,349 24,595 36,490Alaska 47,100 146,496 - - - - 40,032 84,564 31,524 75,264American Samoa - - - - - - - - - -Arizona 39,983 77,469 - - 27,111 52,040 33,435 59,812 - -Arkansas 56,039 83,742 32,405 53,442 - - - - - -California 51,684 103,452 31,416 71,856 31,572 71,856 36,756 75,480 30,840 93,120Colorado 47,964 81,120 - - 41,496 65,280 - - 61,380 89,844Connecticut 76,373 98,224 55,797 72,420 40,901 85,597 - - - -Delaware 54,827 100,752 29,825 71,838 34,142 51,214 34,142 51,214 - -Dist. of Columbia 102,649 143,708 58,557 107,556 - - - - 43,518 81,562Florida 46,318 141,723 38,660 75,650 - - - - - -Georgia 52,331 127,615 52,331 116,000 52,331 127,000 52,331 110,000 36,268 63,496Guam 0 0 0 0 0 0 0 0 0 0Hawaii - - - - 28,000 46,000 - - 62,000 94,000Idaho 37,000 84,300 29,300 52,300 25,100 44,800 25,100 59,000 - -Illinois 85,008 109,176 57,360 98,424 52,500 78,792 37,488 75,912 37,524 37,524Indiana - - - - 39,000 46,000 25,000 42,000 32,000 42,000Iowa - - 50,481 76,793 - - - - 68,369 116,313Kansas 50,000 61,200 45,500 53,456 - - 21,746 54,366 23,276 47,986Kentucky 65,000 65,000 65,000 65,000 - - - - 29,000 42,000Louisiana 24,170 131,188 25,854 73,050 - - 21,112 81,682 16,120 81,682Maine 31,595 44,262 - - 23,234 37,835 29,349 41,059 - -Maryland 36,557 103,743 25,502 80,078 0 0 0 0 0 0Massachusetts - - - - - - 49,990 87,045 43,208 67,712Michigan 95,543 133,430 48,852 71,156 52,219 85,570 52,219 85,570 41,206 77,625Minnesota 71,535 118,661 36,269 102,918 36,122 77,590 - - - -Mississippi 39,363 99,701 48,963 85,684 41,255 72,196 28,359 107,156 0 0Missouri 99,450 104,040 41,184 55,012 26,340 68,529 - - 14,483 36,943Montana 77,777 121,396 44,858 67,287 - - - - 42,524 63,787Nebraska 34,511 85,896 36,437 54,658 - - - - - -Nevada 34,682 50,509 - - - - - - - -New Hampshire 63,999 88,101 32,857 69,790 32,857 43,504 63,999 92,079 - -New Jersey 56,290 121,374 52,584 106,700 43,094 43,094 41,230 47,107 43,094 115,022New Mexico 39,686 101,150 35,381 61,568 23,525 69,035 28,766 55,307 23,525 40,914New York 129,000 142,000 30,000 133,000 30,000 117,000 53,000 101,000 30,000 108,000North Carolina 38,125 128,852 30,856 77,855 31,904 99,262 - - 31,904 74,431North Dakota 38,773 64,630 38,773 64,630 51,120 68,771 - - - -N. Mariana Islands - - - - - - - - - -Ohio 56,909 81,952 42,973 67,475 - - 48,755 71,365 - -Oklahoma 53,000 54,936 - 67,835 - 44,000 47,000 62,000 40,810 55,000Oregon - - - - - - - - - -Pennsylvania 57,173 86,865 - - 46,807 46,807 41,956 57,173 - -Puerto Rico 46,008 62,004 22,800 37,776 0 0 25,500 37,020 16,200 32,148Rhode Island - - - - - - - - - -South Carolina 39,960 89,956 39,960 73,935 32,838 60,760 32,838 60,760 0 0South Dakota 0 0 0 0 0 0 33,946 33,946 44,491 52,562Tennessee - - - - - - - - - -Texas 69,415 142,052 27,840 96,720 36,976 90,393 29,439 78,953 26,332 129,137U.S. Virgin Islands - - - - - - - - - -Utah - - - - - - 21,600 66,700 21,600 42,500Vermont - - - - 73,632 116,022 - - - -Virginia 56,753 130,700 0 0 37,316 60,266 42,913 91,912 0 0Washington 44,400 102,120 52,788 69,240 31,140 43,344 - - 27,756 72,744West Virginia 23,724 84,852 23,724 64,612 20,471 48,396 22,584 68,712 24,912 43,896Wisconsin - - - - 40,269 107,947 - - - -Wyoming - - 41,448 62,184 - - - - 38,568 57,864

Low HighOther

SupervisoryStaff Human Resources

Low High Low High

Table 6 (continued)

Insurance Department Salary Range - By Position - 2017Administration

Business OfficeLow High

RevenueLow High


20 Staffing

StateAlabama - - 100,198 152,618 100,198 152,618 37,390 65,690 47,758 72,686Alaska 115,167 149,160 100,860 224,640 100,860 224,640 53,292 149,160 53,292 149,160American Samoa - - - - - - - - - -Arizona 50,891 99,501 65,161 117,992 - - 43,240 84,157 43,240 77,469Arkansas 86,887 125,986 - - - - 40,340 58,493 40,340 58,493California 132,540 165,144 66,024 157,284 105,588 144,048 - - 40,524 97,548Colorado 70,776 141,180 50,880 130,116 50,880 130,116 53,512 98,880 49,404 83,568Connecticut 85,011 123,104 105,623 144,021 105,623 155,767 76,373 98,224 76,373 98,224Delaware - - - - - - 34,142 51,214 34,142 51,214Dist. of Columbia 102,649 143,708 63,337 116,343 90,288 137,477 90,288 116,343 90,288 116,343Florida 54,148 106,103 74,859 223,443 74,859 223,443 34,697 74,248 34,697 74,248Georgia 52,331 91,579 59,134 115,000 0 - 29,973 57,699 27,248 47,685Guam 0 0 0 0 0 0 40,762 67,493 33,911 61,143Hawaii - - 120,000 160,000 120,000 160,000 47,000 78,000 47,000 78,000Idaho 47,200 84,300 54,200 145,900 - - 37,000 66,000 - -Illinois 73,692 127,572 47,628 113,664 57,096 94,056 36,324 70,956 40,452 64,416Indiana 55,000 82,000 82,000 185,000 90,000 115,000 42,000 60,000 42,000 60,000Iowa 146,702 208,478 103,417 147,035 133,494 189,800 59,009 95,534 59,009 91,249Kansas 48,000 66,775 95,000 105,000 - - 43,000 59,753 35,662 56,457Kentucky 53,155 56,000 - - - - 44,000 72,000 38,770 72,000Louisiana 42,000 258,632 60,000 156,340 190,897 193,213 25,854 66,685 25,854 66,685Maine 41,059 79,634 86,154 118,518 86,154 118,518 35,485 68,578 41,059 55,765Maryland 78,595 126,186 44,017 70,265 53,193 126,186 44,017 97,107 41,358 85,401Massachusetts 41,017 110,887 - 131,354 55,825 152,325 49,990 78,762 49,990 71,256Michigan 77,151 108,097 - - - - 44,914 77,156 44,914 77,156Minnesota 62,014 89,325 119,768 171,383 119,768 171,383 45,894 90,055 45,894 80,680Mississippi 48,814 100,788 0 0 0 0 34,722 72,196 28,555 61,813Missouri 54,370 61,900 55,376 149,997 133,926 143,926 34,416 59,037 31,608 46,992Montana 56,061 84,091 50,235 105,565 50,235 105,565 31,983 47,975 31,983 47,975Nebraska 67,402 148,787 51,675 81,989 117,501 145,870 40,822 58,683 40,822 58,683Nevada 62,807 98,888 133,786 133,786 133,786 133,786 57,504 86,109 57,504 86,109New Hampshire 67,041 108,960 82,027 108,961 69,786 92,649 56,238 76,830 56,238 76,830New Jersey 100,000 108,992 105,275 120,500 71,722 108,872 45,053 105,891 49,263 105,891New Mexico 39,686 186,664 35,381 69,035 39,686 186,664 31,782 61,568 35,381 61,568New York 99,000 176,000 46,000 133,000 60,000 132,000 62,000 144,000 55,000 120,000North Carolina 50,238 143,026 52,426 143,026 52,426 143,026 42,667 77,855 42,667 77,855North Dakota 68,252 113,749 1 65,000 1 113,281 46,783 77,689 46,783 51,908N. Mariana Islands - - - - - - - - - -Ohio 81,952 145,371 44,533 104,894 64,709 120,598 53,477 95,264 53,477 95,264Oklahoma 50,875 58,923 - 59,600 - - - 44,770 38,480 47,212Oregon 69,240 101,352 69,240 126,219 69,240 126,219 58,320 85,368 58,320 85,368Pennsylvania 62,495 123,599 108,284 108,284 54,689 108,284 41,956 72,822 58,465 72,822Puerto Rico 44,700 79,704 34,848 34,848 28,500 50,424 0 0 23,820 30,420Rhode Island 88,798 103,109 - - - - 61,751 69,919 61,751 69,919South Carolina 39,960 73,935 48,622 133,179 48,622 133,179 32,838 60,760 32,838 60,760South Dakota 0 0 0 0 0 0 35,214 47,798 43,285 47,798Tennessee 44,844 80,724 - - - - 44,520 71,232 44,520 71,232Texas 111,793 228,775 48,278 189,069 48,278 189,069 31,144 90,393 34,918 90,393U.S. Virgin Islands - - - - - - - - - -Utah 49,000 73,600 77,800 116,800 - - 40,500 60,900 40,500 60,900Vermont 64,605 108,618 - - - - 40,581 79,435 40,581 79,435Virginia 81,687 130,700 90,565 149,433 0 0 59,298 115,664 59,298 115,664Washington 71,040 96,852 113,496 168,516 95,484 134,516 40,236 84,384 41,232 72,744West Virginia 37,140 77,220 - - 53,676 107,364 31,164 61,128 33,036 61,128Wisconsin 54,331 124,964 - - - - 35,156 105,373 35,156 105,373Wyoming 54,072 81,096 - - - - 49,536 74,304 49,536 74,304

Actuarial

Table 6 (continued)

Insurance Department Salary Range - By Position - 2017

Rate/FormSupervisory Rate/FormActuaries - P/C

HighAnalysts - L/H

Low High Low LowHighAnalysts - P/CStaff

Low High LowActuaries - L/H

High



State

Alabama 64,078 105,403 35,590 97,766 31,488 97,766 30,725 69,098 0 0 64,078 97,766

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 65,265 - - - - - -

California 39,684 112,464 42,552 79,260 63,276 95,244 - - - - - -

Colorado 76,800 126,396 53,112 126,324 53,112 116,412 - - - - - -

Connecticut 88,428 123,104 76,373 102,853 63,215 114,714 80,155 102,853 - - 80,155 102,853

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

Dist. of Columbia 102,649 143,708 63,337 116,343 90,288 116,343 138,769 173,260 - - 90,288 159,515

Florida 47,381 77,000 38,660 68,973 29,334 99,803 26,046 102,097 - - - -

Georgia 66,821 116,937 66,821 116,937 51,000 65,000 0 - 0 - 54,563 85,000

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

Hawaii 62,000 94,000 62,000 94,000 51,000 87,000 - - - - 51,000 87,000

Idaho 61,800 110,300 47,200 100,900 41,700 93,100 - - - - - -

Illinois 98,004 118,656 41,976 109,308 80,988 113,664 0 0 0 0 0 0

Indiana 60,000 105,000 - - 39,000 55,500 - - - - - -

Iowa 78,062 127,878 47,403 105,144 47,403 105,144 - - - - - -

Kansas 85,480 96,350 65,000 92,350 45,000 74,000 - - - - - -

Kentucky 74,000 74,000 - - 53,000 53,000 - - - - 63,000 63,000

Louisiana 47,570 122,595 29,598 81,682 29,598 93,517 0 0 0 0 0 0

Maine 48,048 99,966 32,573 66,082 32,573 66,082 - - - - - -

Maryland 53,193 126,186 41,358 97,107 44,017 97,107 0 0 0 0 0 0

Massachusetts 41,017 120,932 49,990 78,762 49,990 78,762 - - - - - -

Michigan 62,294 99,447 49,872 85,400 49,872 85,400 75,445 108,097 - - 58,929 99,985

Minnesota 64,248 102,918 60,552 90,055 44,433 90,055 - - - - - -

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

Missouri 55,012 102,854 50,200 94,860 39,000 48,852 46,359 65,392 - - 41,184 86,700

Montana 71,038 110,068 44,355 81,265 - - - - - - 44,355 81,265

Nebraska 72,171 161,105 36,136 105,396 43,801 95,814 - - - - 72,272 106,215

Nevada 62,807 98,888 52,743 94,398 48,337 78,613 - - - - - -

New Hampshire 82,027 108,961 58,675 100,334 58,675 100,015 - - - - - -

New Jersey 110,979 116,023 74,772 115,417 51,529 110,979 88,000 88,000 - - 82,000 82,000

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

New York 127,000 176,000 55,000 121,000 55,000 133,000 - - - - - -

North Carolina 53,445 130,986 48,920 108,769 48,920 108,769 53,445 119,868 - - 48,920 119,868

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

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

Ohio 68,744 126,110 80,600 111,030 80,600 111,030 74,276 106,558 - - 80,600 126,110

Oklahoma 70,000 75,000 - - 39,000 58,000 - - - - - 45,903

Oregon 80,076 117,924 61,140 89,544 47,316 89,544 - - - - 60,540 89,544

Pennsylvania 55,844 99,091 41,956 94,846 41,956 72,822 - - - - - -

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

Rhode Island 82,377 103,109 45,972 84,433 45,972 84,433 - - - - - -

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

South Dakota 0 0 0 0 37,419 47,798 0 0 0 0 0 0

Tennessee 59,676 125,220 42,396 95,460 42,396 95,460 - - - - 42,396 116,040

Texas 83,991 156,256 48,278 156,256 48,278 156,256 27,840 142,052 - - - -

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

Utah 52,800 93,300 38,100 67,400 38,100 64,700 - - - - 38,100 67,400

Vermont 69,118 108,618 47,840 89,814 36,587 56,555 - - - - 36,587 89,814

Virginia 72,290 130,700 59,298 91,912 59,298 91,912 0 0 0 0 0 0

Washington 93,156 115,548 62,748 95,484 71,040 107,724 - - - - - -

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

Wisconsin 54,331 124,964 35,156 123,250 35,156 123,250 - - - - - -

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 0 0 41,258 69,098 41,258 69,098 31,488 47,758

Alaska - - - - - - - -

American Samoa - - - - - - - -

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

Arkansas - - - - - - - -

California 69,312 93,792 38,964 91,584 38,964 91,584 - -

Colorado 70,776 107,292 49,404 98,880 49,404 98,880 - -

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 113,940 159,515 - - 78,364 100,261 - -

Florida 47,381 63,609 - - 32,697 70,159 - -

Georgia 59,134 103,484 66,821 116,937 51,000 65,000 0 0

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

Hawaii - - 58,000 87,000 52,000 77,000 - -

Idaho - - - - 47,200 84,300 - -

Illinois 84,996 84,996 43,764 88,704 49,908 61,644 0 0

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

Iowa - - - - 53,497 83,033 - -

Kansas 54,000 70,045 35,000 61,548 35,000 47,000 - -

Kentucky 61,683 61,683 - - 36,668 57,242 - -

Louisiana 41,538 87,402 0 0 25,854 66,685 0 0

Maine 48,048 66,082 41,059 55,765 - - - -

Maryland 49,899 97,203 41,358 75,012 44,017 70,265 0 0

Massachusetts 44,590 120,932 - - 71,370 103,246 56,016 120,932

Michigan 59,880 97,590 52,130 74,440 48,850 71,150 52,210 77,620

Minnesota 71,890 102,918 52,659 77,590 - - - -

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

Missouri 94,971 98,067 49,816 89,365 - - - -

Montana 71,038 110,068 59,887 89,830 - - - -

Nebraska 54,257 81,386 43,668 65,948 43,668 65,948 - -

Nevada 57,504 86,109 52,743 78,613 - - - -

New Hampshire 70,180 96,057 63,999 92,079 56,238 86,632 - -

New Jersey 108,992 108,992 55,732 101,039 49,263 87,820 - -

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

New York 132,000 162,000 55,000 121,000 71,000 121,000 - -

North Carolina 50,238 93,141 42,667 85,115 42,667 77,855 - -

North Dakota - - - - - - - -

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

Ohio 62,566 99,424 47,855 78,437 73,477 78,437 - -

Oklahoma - 65,000 - - 46,398 49,654 - -

Oregon 69,240 117,924 47,316 89,544 61,140 89,544 - -

Pennsylvania 62,455 79,491 41,956 68,186 52,283 65,252 - -

Puerto Rico 91,716 91,716 40,668 45,672 27,300 37,320 - -

Rhode Island 82,377 93,349 55,040 84,433 - - - -

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

South Dakota 0 0 44,491 44,491 0 0 0 0

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

Texas 55,184 129,137 48,278 103,491 - - 31,144 78,953

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

Utah - - 41,400 65,600 46,100 69,300 - -

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

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

Washington 73,440 84,660 61,212 71,040 51,504 71,040 - -

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

Wisconsin 57,512 136,111 35,156 105,373 35,156 105,373 35,156 105,373

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 0 0 37,390 76,349 33,902 97,766 0 0

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


Arizona - - 39,983 71,564 - - 31,110 55,763

Arkansas 45,010 112,900 45,010 65,265 - - - -

California 68,268 190,620 54,528 66,864 39,168 79,668 - -

Colorado 70,776 107,292 - - 34,416 105,156 - -

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

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

Dist. of Columbia 102,649 177,004 - - 78,364 116,343 - -

Florida 39,660 103,000 36,468 63,809 - - - -

Georgia 87,693 97,963 51,000 57,821 0 0 0 0

Guam 0 0 0 0 0 0 0 0

Hawaii 62,000 94,000 48,000 77,000 - - - -

Idaho 47,200 93,100 41,700 74,500 41,700 74,500 - -

Illinois 80,988 93,456 0 0 58,476 88,704 47,628 61,944

Indiana 50,000 68,000 50,000 55,000 - - 38,000 76,000

Iowa 81,744 116,313 52,000 79,144 - - - -

Kansas - - 60,000 61,800 - - - -

Kentucky 53,806 58,412 41,500 56,460 - - - -

Louisiana 41,538 107,078 0 0 25,854 81,682 25,854 66,685

Maine - - - - - - - -

Maryland 46,857 97,203 44,017 70,265 44,017 70,265 41,358 75,012

Massachusetts 57,408 82,758 - - 44,590 71,266 - -

Michigan - - - - - - - -

Minnesota 62,014 110,518 64,185 84,689 49,110 77,590 - -

Mississippi - - - - 63,408 110,964 - -

Missouri 41,184 55,713 - - 36,924 41,184 - -

Montana - - 55,825 83,737 - - - -

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

Nevada 52,743 78,613 - - 42,553 65,751 - -

New Hampshire 65,271 92,649 51,597 77,655 - - 61,308 92,079

New Jersey 70,903 109,937 - - 66,815 89,533 45,053 87,820

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

New York 146,000 162,000 49,000 133,000 73,000 120,000 - -

North Carolina 48,195 89,008 39,362 74,431 - - - -

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


Ohio 62,566 99,424 48,755 71,365 41,122 71,365 - -

Oklahoma - 75,000 52,118 70,000 - - - -

Oregon 80,076 117,924 - - 48,264 70,608 - -

Pennsylvania 55,843 66,680 - - 48,997 72,822 - -

Puerto Rico - - - - - - - -

Rhode Island - - - - - - - -

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

South Dakota 0 0 0 0 0 0 39,811 41,808

Tennessee - - - - - - - -

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


Utah 48,000 79,600 43,100 76,200 - - - -

Vermont - - - - - - - -

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

Washington 65,916 99,600 80,304 84,384 41,232 67,584 - -

West Virginia 33,036 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 43,339 69,098 39,290 59,518 0 0 24,595 43,339 0 0 0 0

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

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

Arizona 39,983 71,564 - - - - 31,110 55,763 - - 39,983 71,564

Arkansas 45,010 65,265 32,405 62,265 - - - - 36,155 52,245 - -

California 72,084 97,548 43,140 75,480 - - 36,756 82,920 ###### ###### - -

Colorado 70,776 116,412 42,756 98,880 - - - - 42,756 72,312 - -

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

Delaware 36,534 87,998 31,912 51,214 - - - - 29,825 51,214 - -

Dist. of Columbia 113,940 159,515 78,364 100,261 83,481 107,556 - - - - - -

Florida 36,468 63,197 32,676 51,136 46,381 85,919 25,046 48,391 - - - -

Georgia 52,331 116,937 42,000 54,453 0 0 26,000 43,350 0 0 0 0

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

Hawaii - - 48,000 77,000 - - 48,000 77,000 - - - -

Idaho 41,700 84,300 41,700 74,500 - - - - 25,100 66,000 - -

Illinois 98,424 98,424 36,324 70,956 0 0 0 0 0 0 0 0

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

Iowa 94,161 147,035 45,344 83,033 68,369 105,144 - - 35,276 105,144 49,649 75,628

Kansas 55,275 64,648 34,152 51,349 - - - - - - - -

Kentucky 43,260 58,412 31,780 58,771 43,132 46,132 - - - - - -

Louisiana 41,538 107,078 25,854 66,685 25,854 66,685 0 0 25,854 66,685 0 0

Maine 51,459 79,643 39,062 65,666 42,515 57,720 27,144 40,206 - - - -

Maryland 44,017 97,107 38,880 70,265 0 0 36,557 70,265 0 0 41,358 75,012

Massachusetts 60,086 110,887 44,590 71,266 - - - - - - - -

Michigan 64,534 100,420 52,219 77,625 - - 37,926 71,156 - - 52,219 85,571

Minnesota 64,428 92,498 45,894 72,266 - - - - - - - -

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

Missouri 51,093 52,289 35,640 42,780 - - - - - - - -

Montana - - 48,893 73,340 - - - - - - - -

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

Nevada 46,312 68,674 42,553 62,807 - - - - - - - -

New Hampshire 67,041 92,079 51,597 69,790 - - 43,504 58,675 - - - -

New Jersey 89,975 108,992 43,094 87,820 - - 40,459 47,403 - - 70,000 76,248

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

New York 137,000 176,000 63,000 119,000 48,000 98,000 - - - - 49,000 121,000

North Carolina 44,347 101,938 36,761 68,197 - - - - 33,001 68,197 41,125 68,197

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

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

Ohio 62,566 99,424 41,122 71,365 - - - - 41,122 58,490 - -

Oklahoma - 70,000 40,392 50,000 50,000 55,000 - - 38,148 41,514 - -

Oregon 80,076 117,924 53,184 77,640 - - 53,184 97,092 - - - -

Pennsylvania 61,066 94,846 37,066 59,177 - - - - - - - -

Puerto Rico 47,808 64,944 27,000 46,008 - - 25,200 27,336 - - 0 0

Rhode Island 88,798 103,109 45,972 69,919 - - - - - - - -

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

South Dakota 0 0 33,530 43,285 0 0 0 0 0 0 0 0

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

Texas 45,158 142,052 31,144 96,720 - - 29,439 129,137 - - - -

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

Utah - - 43,100 76,200 - - - - - - - -

Vermont 50,814 79,435 40,581 74,839 - - - - - - - -

Virginia 77,290 130,700 49,006 91,912 59,298 130,700 0 0 0 0 72,290 115,664

Washington 44,400 96,984 - - 51,504 72,744 - - 56,844 71,040 - -

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

Wisconsin 34,486 136,111 35,157 105,373 - - - - - - - -

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 39,290 59,518 20,174 44,417 64,078 97,766 25,822 69,098

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


Arizona 33,435 84,157 23,191 44,894 - - 36,814 65,828

Arkansas 45,010 65,265 26,034 52,245 - - - -

California 45,132 138,120 29,748 79,248 57,408 71,856 - -

Colorado 70,776 107,292 49,404 72,312 76,800 116,412 - -

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

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

Dist. of Columbia 102,649 143,708 78,364 100,621 78,364 100,261 - -

Florida 46,381 101,526 26,540 86,778 - - - -

Georgia 52,331 116,937 0 0 0 0 0 0

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

Hawaii - - 31,000 50,000 - - - -

Idaho 37,000 66,000 21,800 44,800 - - - -

Illinois 64,104 111,072 35,220 57,912 47,580 57,912 40,452 70,956

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

Iowa 81,744 116,313 32,094 95,534 - - - -

Kansas 38,000 67,897 32,785 39,852 34,260 39,311 39,000 39,311

Kentucky 44,000 72,096 24,372 35,000 - - 34,000 38,000

Louisiana 21,112 107,078 25,854 66,685 25,854 66,685 25,854 66,685

Maine 46,571 63,898 29,349 48,090 - - - -

Maryland 38,800 103,743 32,364 57,808 27,048 50,818 0 0

Massachusetts 47,840 110,887 43,212 60,398 - - - -

Michigan 57,627 108,090 48,852 71,156 48,852 71,156 - -

Minnesota 55,416 80,242 41,697 60,552 41,697 92,498 33,742 44,725

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

Missouri 41,184 55,012 27,624 32,556 33,840 38,304 - -

Montana 56,061 84,091 26,489 47,975 - - - -

Nebraska 50,467 75,704 15,267 54,398 35,289 50,633 - -

Nevada 40,862 71,806 32,030 60,093 - - - -

New Hampshire 49,432 66,904 32,857 43,504 41,827 56,238 - -

New Jersey 58,329 105,233 28,861 58,329 - - - -

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

New York 82,000 121,000 55,000 83,000 37,000 57,000 - -

North Carolina 39,632 119,868 28,875 68,197 - - 48,920 108,769

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

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

Ohio 46,800 98,197 41,122 53,477 41,122 53,477 41,122 53,477

Oklahoma 41,250 64,881 30,000 34,650 - - 34,000 40,260

Oregon 80,076 117,924 31,572 70,608 - - - -

Pennsylvania 55,843 90,738 38,611 38,611 48,998 62,455 - -

Puerto Rico 0 0 22,488 35,904 - - - -

Rhode Island - - 36,472 53,004 36,472 39,677 - -

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

South Dakota 0 0 34,632 43,285 43,285 43,285 0 0

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

Texas 51,614 129,137 31,144 73,788 31,144 103,491 - -


Utah - - 34,200 57,300 24,700 42,500 - -

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

Virginia 72,290 130,700 49,006 91,912 59,298 91,912 0 0

Washington 46,596 99,972 34,176 49,020 54,072 65,916 46,596 74,604

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

Wisconsin 57,735 57,735 32,760 32,760 31,420 31,420 - -

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

Table 6 (continued)

Insurance Department Salary Range - By Position - 2017Licensing

Low High

Other Licensing

Low High

Supervisory Staff Producer Licensing Company Licensing

Low High Low High


26 Staffing

State

Alabama 59,518 97,766 29,954 59,518 43,339 84,276 43,339 76,349

Alaska - - - - - - - -


Arizona 83,922 152,827 46,932 84,157 65,161 117,992 - -

Arkansas 57,755 103,970 51,762 83,745 51,762 103,970 89,541 129,835

California 78,600 125,412 35,052 104,784 35,052 104,784 40,522 95,532

Colorado - - 54,696 80,076 - - - -

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 113,940 159,515 90,288 116,343 - - 52,570 67,681

Florida 43,507 116,734 28,684 83,066 32,697 96,264 36,467 86,778

Georgia 57,000 116,937 52,331 91,579 40,982 71,720 40,982 71,720

Guam 0 0 0 0 0 0 0 0

Hawaii - - - - - - - -

Idaho 52,100 93,100 41,700 74,500 41,700 74,500 33,000 59,000

Illinois 0 0 0 0 0 0 0 0

Indiana - - - - - - - -

Iowa - - - - 59,009 91,249 - -

Kansas - - 40,000 51,000 42,000 58,425 - -

Kentucky 57,000 86,500 - - 71,408 73,876 - -

Louisiana 44,854 102,170 34,216 83,408 34,216 83,408 0 0

Maine 46,571 63,898 - - - - 39,062 55,765

Maryland 46,587 126,186 46,587 97,107 46,857 91,107 41,358 65,827

Massachusetts - - - - - - - -

Michigan - - - - - - - -

Minnesota - - - - - - - -

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

Missouri - - - - - - - -

Montana 79,485 124,062 - - 49,916 99,959 49,084 73,626

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

Nevada - - 60,093 90,181 - - - -

New Hampshire - - - - - - - -

New Jersey 108,992 108,992 47,107 102,375 84,927 105,891 - -

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

New York 115,000 168,000 81,000 110,000 70,000 110,000 44,000 91,000

North Carolina 42,593 139,753 32,473 127,681 43,590 121,804 - -

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


Ohio 83,512 109,429 64,709 95,264 58,864 104,894 58,864 86,403

Oklahoma - 86,000 - - - 75,000 - 50,000

Oregon - - 46,488 67,104 - - 40,164 67,104

Pennsylvania - - - - - - - -

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

Rhode Island - - - - - - - -

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

South Dakota 0 0 0 0 0 0 0 0

Tennessee - - - - - - - -

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


Utah - - - - - - - -

Vermont - - 45,282 89,814 - - - -

Virginia 72,290 149,433 43,948 75,960 0 0 0 0

Washington 93,156 116,400 58,284 95,484 50,292 95,484 - -

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 2019 budgets increased 0.8% over 2018

numbers and have increased 8.5% since 2015. 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 2018 budget amounts reported in the 2016 publication are projected amounts and have been updated in the 2017 publication to reflect the actual budget amounts for the 2018 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 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.

Expenses Insurance 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 2009-2019

Figure 4

Annual Budget Growth Rates 2009-2019

2.64%

-3.24%

3.37%

1.02%0.35%

2.22%2.75%

5.06%

-1.73%

4.27%

0.79%

-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

2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019

Budget Year $1,278.6 $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 $1,477.7

$0

$200

$400

$600

$800

$1,000

$1,200

$1,400

$1,600

Bu

dg

et (

$M)



State 2017 2016 2015Alabama $31,132,434 $35,141,491 $22,000,000 $24,260,583 $18,300,000 70.12%Alaska $7,447,200 $7,447,200 $7,098,400 $7,161,300 $7,648,300 -2.63%American Samoa - - - - - -Arizona $44,251,300 $44,251,300 $26,229,300 $38,826,000 $15,742,100 181.10%Arkansas $13,463,407 $13,500,028 $13,751,150 $13,243,262 $12,452,948 8.11%California $216,627,000 $217,737,000 $204,137,000 $203,918,000 $194,887,000 11.16%Colorado $15,000,000 $14,143,377 $12,720,710 $14,883,918 $14,924,658 0.50%Connecticut $27,207,422 $27,092,246 $28,533,164 $29,300,275 $28,791,066 -5.50%Delaware $11,477,300 $10,797,400 $9,936,200 $8,936,200 $8,627,300 33.03%Dist. of Columbia $12,255,959 $12,178,900 $11,345,569 $10,761,568 $7,539,769 62.55%Florida $87,026,993 $87,026,993 $86,297,867 $88,269,849 $88,069,941 -1.18%Georgia $21,105,076 $21,485,853 $21,162,489 $20,968,908 $21,549,759 -2.06%Guam $586,410 $539,477 $533,330 $616,730 $609,245 $0Hawaii $14,519,862 $14,449,753 $13,544,182 $13,257,720 $12,381,140 17.27%Idaho $10,209,400 $9,690,600 $9,556,900 $9,028,500 $8,822,500 15.72%Illinois $48,671,900 $49,522,100 $50,593,000 $50,720,200 $55,956,300 -13.02%Indiana $9,845,970 $9,845,970 $8,969,666 $8,969,666 $8,909,546 10.51%Iowa $15,208,214 $15,045,763 $14,787,940 $13,307,453 $14,839,136 2.49%Kansas $13,762,915 $13,434,300 $10,882,769 $10,832,083 $12,367,000 11.29%Kentucky $21,500,000 $21,496,200 $19,498,200 $18,846,600 $18,653,600 15.26%Louisiana $31,878,205 $31,113,343 $31,362,259 $30,565,409 $32,544,045 -2.05%Maine $10,546,070 $10,771,610 $10,420,302 $10,323,169 $10,101,210 4.40%Maryland $32,457,391 $32,468,592 $32,783,205 $32,199,531 $32,697,004 -0.73%Massachusetts $14,583,000 $14,412,000 $14,611,730 $14,712,080 $14,105,000 3.39%Michigan $34,984,500 $34,279,000 $34,045,500 $33,182,100 $33,332,700 4.96%Minnesota $16,393,000 $16,393,000 $17,082,000 $17,229,000 $16,246,000 0.90%Mississippi $11,893,720 $11,881,431 $15,343,945 $14,873,175 $14,030,240 -15.23%Missouri $16,546,971 $16,605,564 $16,681,016 $16,092,644 $15,465,643 6.99%Montana $5,350,124 $5,196,617 $4,938,102 $5,266,721 $5,126,921 4.35%Nebraska $16,895,004 $15,092,217 $15,553,891 $15,723,101 $13,097,626 28.99%Nevada $15,790,451 $13,231,389 $15,743,200 $16,736,508 $17,203,547 -8.21%New Hampshire $12,132,261 $12,025,544 $11,571,554 $11,304,670 $10,139,741 19.65%New Jersey $27,803,000 $27,803,000 $27,803,000 $27,903,000 $28,553,000 -2.63%New Mexico $9,707,100 $10,291,200 $11,460,700 $11,354,300 $10,448,400 -7.09%New York $157,852,000 $150,941,000 $147,583,000 $147,583,000 $144,728,860 9.07%North Carolina $48,314,700 $48,838,212 $40,587,748 $38,652,279 $38,385,501 25.87%North Dakota $5,364,672 $5,364,672 $5,772,570 $5,772,570 $5,791,390 -7.37%N. Mariana Islands $128,000 $112,000 $99,000 - - -Ohio $38,688,539 $39,084,444 $39,337,235 $37,778,947 $36,545,157 5.87%Oklahoma $16,121,447 $16,121,447 $15,668,123 $16,000,000 $16,500,000 -2.29%Oregon $14,678,494 $13,661,316 $13,335,387 $13,378,538 $12,785,283 14.81%Pennsylvania $28,886,000 $27,113,000 $24,850,000 $37,460,000 $22,757,000 26.93%Puerto Rico $8,559,000 $8,464,000 $10,896,000 $10,896,000 $10,896,000 -21.45%Rhode Island $6,250,000 $5,780,270 $5,807,156 $5,768,238 $5,720,720 9.25%South Carolina $17,851,064 $17,851,064 $17,944,448 $18,877,368 $18,679,783 -4.44%South Dakota $3,389,422 $3,389,422 $2,952,780 $3,139,340 $2,947,324 15.00%Tennessee $16,500,000 $15,884,100 $14,976,500 $12,597,800 $14,179,300 16.37%Texas $119,695,335 $122,150,137 $118,108,880 $126,275,111 $116,007,008 3.18%U.S. Virgin Islands - - - - - -Utah $14,328,800 $14,679,500 $14,679,500 $14,407,700 $14,253,900 0.53%Vermont $9,658,941 $10,035,914 $9,603,806 $9,940,634 $11,218,497 -13.90%Virginia $26,891,075 $26,891,075 $27,099,896 $27,036,798 $26,148,197 2.84%Washington $33,484,263 $30,826,108 $32,455,856 $28,478,438 $28,788,671 16.31%West Virginia $11,000,000 $11,000,000 $11,646,000 $11,646,000 $11,646,000 -5.55%Wisconsin $18,679,500 $18,499,700 $18,643,200 $18,612,800 $16,828,400 11.00%Wyoming $3,113,960 $3,002,675 $3,002,675 $2,845,541 $2,796,134 11.37%Total $1,477,694,771 $1,466,080,514 $1,406,028,000 $1,430,721,325 $1,361,765,510 8.51%

Table 7

Insurance Department Budgets - Fiscal Years 2015-2019

Percent 2019 2015-20192018



StateCalifornia $216,627,000 1 $217,737,000 1New York $157,852,000 2 $150,941,000 2Texas $119,695,335 3 $122,150,137 3Florida $87,026,993 4 $87,026,993 4Illinois $48,671,900 5 $49,522,100 5North Carolina $48,314,700 6 $48,838,212 6Arizona $44,251,300 7 $44,251,300 7Ohio $38,688,539 8 $39,084,444 8Michigan $34,984,500 9 $34,279,000 10Washington $33,484,263 10 $30,826,108 13Maryland $32,457,391 11 $32,468,592 11Louisiana $31,878,205 12 $31,113,343 12Alabama $31,132,434 13 $35,141,491 9Pennsylvania $28,886,000 14 $27,113,000 15New Jersey $27,803,000 15 $27,803,000 14Connecticut $27,207,422 16 $27,092,246 16Virginia $26,891,075 17 $26,891,075 17Kentucky $21,500,000 18 $21,496,200 18Georgia $21,105,076 19 $21,485,853 19Wisconsin $18,679,500 20 $18,499,700 20South Carolina $17,851,064 21 $17,851,064 21Nebraska $16,895,004 22 $15,092,217 26Missouri $16,546,971 23 $16,605,564 22Tennessee $16,500,000 24 $15,884,100 25Minnesota $16,393,000 25 $16,393,000 23Oklahoma $16,121,447 26 $16,121,447 24Nevada $15,790,451 27 $13,231,389 35Iowa $15,208,214 28 $15,045,763 27Colorado $15,000,000 29 $14,143,377 31Oregon $14,678,494 30 $13,661,316 32Massachusetts $14,583,000 31 $14,412,000 30Hawaii $14,519,862 32 $14,449,753 29Utah $14,328,800 33 $14,679,500 28Kansas $13,762,915 34 $13,434,300 34Arkansas $13,463,407 35 $13,500,028 33Dist. of Columbia $12,255,959 36 $12,178,900 36New Hampshire $12,132,261 37 $12,025,544 37Mississippi $11,893,720 38 $11,881,431 38Delaware $11,477,300 39 $10,797,400 40West Virginia $11,000,000 40 $11,000,000 39Maine $10,546,070 41 $10,771,610 41Idaho $10,209,400 42 $9,690,600 45Indiana $9,845,970 43 $9,845,970 44New Mexico $9,707,100 44 $10,291,200 42Vermont $9,658,941 45 $10,035,914 43Puerto Rico $8,559,000 46 $8,464,000 46Alaska $7,447,200 47 $7,447,200 47Rhode Island $6,250,000 48 $5,780,270 48North Dakota $5,364,672 49 $5,364,672 49Montana $5,350,124 50 $5,196,617 50South Dakota $3,389,422 51 $3,389,422 51Wyoming $3,113,960 52 $3,002,675 52Guam $586,410 53 $539,477 53N. Mariana Islands $128,000 54 $112,000 54American Samoa - - - -U.S. Virgin Islands - - - -Total $1,477,694,771 - $1,466,080,514 -

Table 8

2019 Rank 2018 Rank

States in Descending Order of 2019 Budget



State

Alabama Combination 92.40% 0.50% 0.00% 7.10% 83.00% 17.00%

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


Arizona Combination 17.62% 0.00% 22.46% 59.92% 93.66% 6.34%

Arkansas Combination 100.00% - - - 38.00% 62.00%

California Dedicated 99.00% 0.00% 0.00% 1.00% 73.00% 27.00%

Colorado Quasi-dedicated 71.70% 0.00% 3.60% 24.70% 90.00% 10.00%

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% 52.00% 48.00%

Florida Dedicated 93.79% 4.54% 0.00% 1.67% 79.89% 20.11%

Georgia General 20.00% 0.00% 72.00% 8.00% 49.00% 51.00%

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

Hawaii Dedicated 80.30% 1.70% 0.00% 18.00% 85.00% 15.00%

Idaho Quasi-dedicated 94.20% 0.00% 0.00% 5.80% 70.88% 29.12%

Illinois Dedicated 98.00% 0.00% 0.00% 2.00% 90.20% 9.80%

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

Iowa Quasi-dedicated 56.00% 0.00% 0.00% 44.00% 97.50% 2.50%

Kansas Dedicated 100.00% 0.00% 0.00% 0.00% 97.00% 3.00%

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

Louisiana Combination 96.07% 1.63% 0.00% 2.30% 72.00% 28.00%

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

Maryland Dedicated 98.00% - - 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% 95.00% 5.00%

Minnesota Combination 54.00% 0.00% 46.00% 0.00% 90.00% 10.00%

Mississippi General 0.00% 0.00% 100.00% 0.00% 65.00% 35.00%

Missouri Dedicated 92.47% 0.00% 0.00% 7.53% 91.83% 8.17%

Montana Dedicated 100.00% - - - 90.00% 10.00%

Nebraska Dedicated 91.00% - - 9.00% 75.00% 25.00%

Nevada Dedicated 91.31% 0.49% 0.00% 8.20% 84.80% 15.20%

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 87.17% 0.00% 0.00% 12.83% 80.00% 20.00%

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

North Carolina Dedicated 4.10% 13.10% 82.80% - 96.00% 4.00%

North Dakota Other 93.00% 4.00% 0.00% 3.00% 89.00% 11.00%

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

Ohio Dedicated 91.92% 4.23% 0.00% 3.85% 66.00% 34.00%

Oklahoma Dedicated 93.00% 0.00% 0.00% 7.00% 74.00% 26.00%

Oregon Dedicated 94.00% 0.00% 0.00% 6.00% 79.00% 21.00%

Pennsylvania Combination 1.12% 0.00% 97.05% 1.83% 85.85% 14.15%

Puerto Rico Dedicated 91.00% 7.00% 0.00% 2.00% 80.00% 20.00%

Rhode Island Combination 4.10% 8.87% 84.74% 2.29% 97.94% 2.06%

South Carolina Combination 73.00% 0.00% 26.00% 1.00% 77.00% 23.00%

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% 76.00% 24.00%


Utah Dedicated 85.00% 5.00% 0.00% 10.00% 85.00% 15.00%

Vermont Quasi-dedicated 100.00% 0.00% 0.00% 0.00% 87.00% 13.00%

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

Washington Dedicated 96.09% 0.00% 0.73% 3.18% 76.80% 23.20%

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% 69.00% 31.00%

Wyoming Dedicated 100.00% 0.00% 0.00% 0.00% 85.00% 15.00%

Average 78.41% 1.06% 17.05% 5.56% 77.24% 22.76%

(Overhead)Funding Type

Fees and

Assessments

Fines and

Penalties OtherFunds Regulation

Funding and Expenses - 2017

Table 9

Admin and

ExpensesFunding Type and Sources

OperationsGeneral



State

Alabama Fiscal $394,857,715 $342,609,985 $39,415,246 $8,242,460 $4,590,024

Alaska Fiscal $70,889,569 $63,285,560 $6,924,883 $667,744 $11,382

American Samoa - $0 - - - -

Arizona Fiscal $579,879,653 $552,100,594 $22,740,279 $656,943 $4,381,837

Arkansas Fiscal $275,935,355 $221,450,739 $37,071,545 $361,310 $17,051,761

California Fiscal $2,779,174,523 $2,482,318,586 $262,228,975 $32,062,838 $2,564,125

Colorado Fiscal $303,296,712 $290,762,277 $10,138,896 $540,978 $1,854,561

Connecticut Calendar $210,748,247 $131,944,328 $76,653,973 $2,149,946 -

Delaware Calendar $139,261,289 $104,936,089 $33,493,058 $832,127 $15

Dist. of Columbia Fiscal $133,267,196 $110,391,821 $22,579,969 $295,406 $0

Florida Fiscal $393,696,793 $290,165,227 $72,811,466 $24,137,113 $6,582,987

Georgia Fiscal $1,107,897,348 $480,154,152 $56,114,714 $3,553,081 $568,075,401

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

Hawaii Fiscal $175,793,258 $166,836,197 $8,540,237 $314,049 $102,775

Idaho Fiscal $110,892,670 $87,578,540 $22,471,789 $90,909 $751,432

Illinois Fiscal $538,036,036 $431,776,276 $101,029,753 $5,222,888 $7,119

Indiana Fiscal $380,222,565 $230,561,450 $18,311,738 $343,054 $131,006,323

Iowa Fiscal $145,967,866 $113,363,701 $32,541,175 $62,990 $0

Kansas Fiscal $215,154,461 $195,412,689 $18,952,599 $319,505 $469,668

Kentucky Fiscal $408,381,773 $263,145,238 $56,185,519 $2,590 $89,048,426

Louisiana Fiscal $1,001,018,938 $884,024,165 $112,183,787 $3,482,542 $1,328,444

Maine Fiscal $87,884,618 $80,974,400 $6,323,920 $586,298 $0

Maryland Fiscal $529,243,623 $492,176,956 $34,523,852 $2,542,815 $0

Massachusetts Fiscal $525,154,846 $349,544,128 $174,032,463 $1,578,255 $0

Michigan Fiscal $40,653,647 $14,695,924 $25,684,797 $272,926 $0

Minnesota Fiscal $502,882,000 $468,798,000 $25,109,000 $8,975,000 $0

Mississippi Fiscal $306,001,566 $278,514,721 $16,612,840 $723,800 $10,150,205

Missouri Fiscal $375,608,224 $348,524,732 $18,046,810 $2,602,287 $6,434,395

Montana Fiscal $113,572,301 $106,017,531 $7,151,189 $151,971 $251,610

Nebraska Fiscal $104,962,386 $84,919,319 $17,919,551 $346,648 $1,776,868

Nevada Fiscal $45,037,967 $10,812,594 $11,669,102 $1,505,147 $21,051,124

New Hampshire Fiscal $121,864,907 $105,254,905 $16,547,251 $62,751 $0

New Jersey Fiscal $659,015,993 $574,802,000 $79,564,981 $4,649,012 $0

New Mexico Fiscal $362,267,960 $314,520,238 $46,802,033 $926,577 $19,112

New York Fiscal $2,032,289,000 $1,530,294,000 $494,296,000 $7,699,000 $0

North Carolina Fiscal $545,316,296 $492,097,802 $47,643,248 $5,575,245 $0

North Dakota Fiscal $71,827,912 $63,190,351 $7,633,252 $734,916 $269,393

N. Mariana Islands - $30,950 $0 $0 $0 $30,950

Ohio Fiscal $665,508,263 $608,891,193 $52,042,013 $2,397,498 $2,177,559

Oklahoma Fiscal $324,922,054 $281,300,560 $41,585,384 $902,458 $1,133,652

Oregon Calendar $105,873,912 $76,907,956 $25,819,960 $819,487 $2,326,509

Pennsylvania Fiscal $863,907,000 $792,822,000 $66,134,000 $3,138,000 $1,813,000

Puerto Rico Fiscal $73,155,542 $60,900,857 $11,103,640 $912,768 $238,277

Rhode Island Fiscal $174,242,005 $138,230,241 $1,541,452 $397,917 $34,072,395

South Carolina Fiscal $256,919,680 $205,415,634 $49,472,013 $1,349,022 $683,012

South Dakota Fiscal $94,421,172 $83,020,726 $10,802,089 $581,257 $17,100

Tennessee Fiscal $951,935,097 $938,042,000 $15,003,330 -$1,110,233 $0

Texas Fiscal 2,557,464,704 $2,230,843,517 $250,327,195 $65,137,864 $11,156,128


Utah Fiscal $153,278,700 $14,616,700 $247,400 $547,349

Vermont Fiscal $59,616,062 $30,525,691 $283,383 $0

Virginia Fiscal $504,052,863 $75,470,978 $1,780,806 $0

Washington Fiscal $603,962,779 $40,729,021 $3,635,171 $1,032,672

West Virginia Fiscal $163,375,000 $35,114,000 $539,000 $53,290,000

Wisconsin Fiscal $203,409,200 $39,802,800 $745,000 $146,000

Wyoming Calendar $20,381,641 $3,137,395 $244,234 $15,621,995

Total

-$168,690,149

$90,425,136

$581,304,647

$649,359,643

$252,318,000

$244,103,000

$39,385,265

$23,881,921,432 $19,882,406,144 $2,803,177,551 $204,272,153 $992,065,585

Percent of Total - 83.25% 11.74% 0.86% 4.15%

Fees and Fines and Other

Total Taxes Assessments Penalties Revenue

Revenues - 2017

Table 10

Calendar/

Fiscal Year

Total

Revenues


afitzpatrick

Sticky Note


afitzpatrick

Sticky Note



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 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 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, 99.3% of financial exams completed in 2017 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 financial annual 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 2009-2017

Figure 6

Number of Domestic Insurers in 2017

2009 2010 2011 2012 2013 2014 2015 2016 2017

Insurers by Year 6,708 6,313 6,296 6,115 6,086 6,118 5,926 5,977 5,954

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



StateAlabama 40 1,417 0 11Alaska 5 756 0 1American Samoa 5 29 0 0Arizona 117 1,584 25 24Arkansas 56 1,489 0 1California 132 1,123 0 43Colorado 46 1,435 9 40Connecticut 103 1,230 0 26Delaware 146 1,317 0 108Dist. of Columbia 50 1,344 0 12Florida 437 1,665 14 51Georgia 89 1,590 21 0Guam 9 148 0 0Hawaii 46 1,074 11 3Idaho 17 1,388 13 0Illinois 337 1,419 12 150Indiana 149 1,623 15 20Iowa 220 1,390 3 0Kansas 47 1,496 20 14Kentucky 56 1,488 12 11Louisiana 105 1,500 22 5Maine 15 1,148 18 1Maryland 61 1,507 5 14Massachusetts 81 1,314 25 4Michigan 127 1,362 15 11Minnesota 152 1,353 18 20Mississippi 42 1,516 0 2Missouri 178 1,523 11 6Montana 40 1,377 0 5Nebraska 103 1,442 6 5Nevada 45 1,490 8 4New Hampshire 58 1,105 0 7New Jersey 118 1,317 50 30New Mexico 37 2,442 5 0New York 577 1,168 11 78North Carolina 81 1,423 3 0North Dakota 30 1,348 8 2N. Mariana Islands 10 53 0 0Ohio 245 1,497 0 23Oklahoma 78 1,479 3 5Oregon 49 1,442 0 7Pennsylvania 254 1,565 14 30Puerto Rico 68 239 0 0Rhode Island 28 1,280 1 23South Carolina 75 1,573 0 10South Dakota 38 1,388 0 0Tennessee 67 1,438 8 6Texas 403 1,558 6 53U.S. Virgin Islands 7 139 0 0Utah 94 1,643 0 10Vermont 112 1,688 0 7Virginia 66 1,521 15 19Washington 35 1,425 0 8West Virginia 29 1,355 1 2Wisconsin 334 1,553 0 7Wyoming 5 1,374 0 1Total 5,954 73,550 408 920Average 106 1,313 7 16

Number of Regulated Entities - 2017

Table 11

Domestic InsurersLicensed Foreign

InsurersDomiciled Self-Insured Domiciled Purchasing

Groups or Pools Groups



State

Alabama 7 18 6 1 1 2 5

Alaska 0 4 0 0 0 0 1

American Samoa - 5 - - - - -

Arizona 25 40 30 0 1 10 11

Arkansas 23 12 8 0 1 0 12

California 14 99 - 2 3 0 14

Colorado 11 10 18 2 3 2 0

Connecticut 26 67 8 1 0 1 0

Delaware 28 101 6 2 0 3 6

Dist. of Columbia 0 6 6 0 0 38 0

Florida 9 114 65 0 5 0 244

Georgia 13 23 21 0 0 0 32

Guam 1 6 2 - - - 0

Hawaii 3 17 7 0 0 15 4

Idaho 1 10 5 0 0 0 1

Illinois 52 191 27 12 0 1 54

Indiana 28 64 13 2 3 0 39

Iowa 40 73 16 1 0 0 90

Kansas 11 25 7 0 0 0 4

Kentucky 7 7 21 0 0 3 18

Louisiana 32 34 13 2 1 0 23

Maine 2 9 2 0 0 0 2

Maryland 4 32 24 0 1 0 0

Massachusetts 16 48 14 2 1 0 0

Michigan 22 65 34 2 0 0 4

Minnesota 8 39 20 2 0 0 83

Mississippi 15 15 6 1 2 0 3

Missouri 28 43 22 1 1 0 83

Montana 1 14 5 0 0 9 11

Nebraska 32 34 13 1 1 0 22

Nevada 3 9 15 0 0 15 3

New Hampshire 1 50 7 0 0 0 0

New Jersey 3 66 46 2 1 0 0

New Mexico 1 15 19 0 0 0 2

New York 82 173 54 4 7 0 257

North Carolina 10 56 8 0 1 6 0

North Dakota 3 12 2 0 0 0 13

N. Mariana Islands 0 10 0 0 0 0 0

Ohio 37 138 27 9 3 0 31

Oklahoma 24 31 12 0 4 2 5

Oregon 3 18 25 0 0 0 3

Pennsylvania 23 166 45 19 1 0 0

Puerto Rico 13 21 16 0 0 0 18

Rhode Island 2 22 4 0 0 0 0

South Carolina 7 19 12 0 2 35 0

South Dakota 2 16 6 0 1 0 13

Tennessee 12 15 10 1 1 8 20

Texas 120 199 57 6 10 1 10

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

Utah 17 9 18 0 0 0 50

Vermont 1 12 3 0 1 89 6

Virginia 3 19 22 0 1 0 21

Washington 6 7 18 2 1 0 1

West Virginia 1 19 9 0 0 0 0

Wisconsin 18 174 50 5 0 0 87

Wyoming 0 2 3 0 0 0 0

Total 852 2,509 907 82 58 240 1,306

Annuities

Table 12

Number of Domestic Insurers by Type - 2017

Property/

Risk

Life/ Retention

Casualty Health Fraternal Group OtherTitle



State

Alabama 433 858 6 10 21 88 1

Alaska 288 397 21 5 5 33 7

American Samoa 12 16 - 1 - - -

Arizona 450 943 31 31 23 103 3

Arkansas 477 887 8 15 20 79 3

California 401 671 - 36 15 0 0

Colorado 439 848 3 33 17 95 0

Connecticut 352 729 0 35 17 97 0

Delaware 415 766 10 21 19 86 0

Dist. of Columbia 437 790 12 23 20 62 0

Florida 389 953 41 37 19 104 122

Georgia 458 988 0 17 21 106 0

Guam 53 58 2 1 4 1 29

Hawaii 363 608 24 7 14 58 0

Idaho 423 822 19 14 14 83 13

Illinois 452 860 20 37 0 0 50

Indiana 455 958 20 41 25 105 19

Iowa 364 860 52 28 0 86 0

Kansas 452 898 11 30 18 77 10

Kentucky 418 900 53 19 19 79 0

Louisiana 416 819 45 20 21 88 91

Maine 341 696 4 12 15 75 5

Maryland 433 860 59 30 23 102 0

Massachusetts 373 697 2 27 17 116 82

Michigan 414 786 1 48 16 97 0

Minnesota 382 816 31 32 22 70 0

Mississippi 464 907 6 12 20 76 31

Missouri 468 900 18 28 18 91 0

Montana 440 822 5 23 16 71 0

Nebraska 438 867 8 29 18 79 3

Nevada 441 873 10 15 20 84 47

New Hampshire 320 647 29 16 14 79 0

New Jersey 366 778 5 37 20 111 0

New Mexico* 440 837 * 18 0 80 0

New York 51 709 13 31 16 121 227

North Carolina 437 855 7 20 20 84 0

North Dakota 444 786 6 19 18 66 9


Ohio 441 851 11 40 24 113 17

Oklahoma 466 873 7 21 18 92 2

Oregon 437 848 6 20 14 99 18

Pennsylvania 438 929 3 35 23 137 0

Puerto Rico 96 137 0 1 5 0 0

Rhode Island 364 727 7 25 15 83 59

South Carolina 424 993 38 21 19 78 0

South Dakota 405 834 42 20 15 72 0

Tennessee 465 930 4 17 22 0 0

Texas 449 937 5 29 18 119 1

U.S. Virgin Islands 72 59 3 1 4 - -

Utah 443 878 2 16 19 77 208

Vermont 315 671 30 14 11 44 603

Virginia 399 908 59 24 19 112 0

Washington 411 854 21 20 15 103 1

West Virginia 434 793 6 27 16 79 0

Wisconsin 369 813 39 36 19 0 277

Wyoming 403 693 1 14 15 70 178

Average 376 754 16 22 16 76 39

*New Mexico reported 1,067 foreign licensed health insurers. See technical notes for more information.

Title Group OtherAnnuities Casualty Health Fraternal

Table 13

Number of Licensed Foreign Insurers by Type - 2017

Life/ RetentionProperty/

Risk



State

Alabama 5 5 0 10

Alaska 1 1 0 2

American Samoa 0 0 0 0

Arizona 37 0 0 37

Arkansas 2 0 9 11

California 30 50 0 80

Colorado 10 2 0 12

Connecticut 12 57 0 69

Delaware 49 16 0 65

Dist. of Columbia 10 0 0 10

Florida 61 30 0 91

Georgia 13 2 0 15

Guam 5 5 0 10

Hawaii 5 0 0 5

Idaho 3 0 0 3

Illinois 91 52 0 143

Indiana 21 1 0 22

Iowa 22 25 0 47

Kansas 12 2 0 14

Kentucky 33 12 0 45

Louisiana 28 3 0 31

Maine 3 2 0 5

Maryland 6 9 0 15

Massachusetts 18 71 0 89

Michigan 42 3 0 45

Minnesota 16 5 0 21

Mississippi 2 0 8 10

Missouri 27 56 0 83

Montana 9 0 0 9

Nebraska 16 6 0 22

Nevada 15 0 0 15

New Hampshire 9 9 0 18

New Jersey 22 14 0 36

New Mexico 3 0 0 3

New York 44 8 23 75

North Carolina 12 17 0 29

North Dakota 4 1 0 5

N. Mariana Islands 0 0 0 0

Ohio 38 14 0 52

Oklahoma 21 2 0 23

Oregon 8 1 0 9

Pennsylvania 61 7 0 68

Puerto Rico 8 1 0 9

Rhode Island 4 0 0 4

South Carolina 19 1 0 20

South Dakota 3 0 0 3

Tennessee 14 0 12 26

Texas 0 23 74 97

U.S. Virgin Islands 0 0 0 0

Utah 2 0 0 2

Vermont 26 11 0 37

Virginia 18 11 0 29

Washington 19 1 0 20

West Virginia 10 6 0 16

Wisconsin 32 2 0 34

Wyoming 1 0 0 1

Total 982 544 126 1,652

Completed

Financial and Market Conduct Exams Completed - 2017

Table 14

Financial Exams

Only

Market Conduct Combined Financial/ Total Exams

Exams Only Market Conduct Exams



State

Alabama 5 5 - 5 -

Alaska 1 1 0 1 0

American Samoa 0 - - - -

Arizona 37 37 0 37 0

Arkansas 2 2 0 2 0

California 30 27 3 30 0

Colorado 10 10 0 10 0

Connecticut 12 12 0 12 0

Delaware 49 49 0 34 15

Dist. of Columbia 10 10 0 10 0

Florida 61 61 0 53 8

Georgia 13 13 0 13 0

Guam 5 5 0 5 -

Hawaii 5 5 0 5 0

Idaho 3 3 0 3 0

Illinois 91 91 0 83 8

Indiana 21 21 0 21 0

Iowa 22 22 0 22 0

Kansas 12 12 0 12 0

Kentucky 33 33 0 33 0

Louisiana 28 25 3 23 5

Maine 3 3 0 3 0

Maryland 6 6 0 6 0

Massachusetts 18 18 0 18 0

Michigan 42 42 0 42 0

Minnesota 16 16 0 16 0

Mississippi 2 2 0 2 0

Missouri 27 27 0 27 0

Montana 9 9 0 9 0

Nebraska 16 16 0 16 0

Nevada 15 15 0 14 1

New Hampshire 9 9 0 9 0

New Jersey 22 22 0 22 0

New Mexico 3 3 0 3 0

New York 44 43 1 43 1

North Carolina 12 12 0 11 1

North Dakota 4 4 0 4 0

N. Mariana Islands 0 0 0 0 0

Ohio 38 38 0 28 10

Oklahoma 21 21 0 21 0

Oregon 8 8 0 8 0

Pennsylvania 61 61 0 61 0

Puerto Rico 8 8 0 8 0

Rhode Island 4 4 0 4 0

South Carolina 19 19 0 19 0

South Dakota 3 3 0 3 0

Tennessee 14 14 0 14 0

Texas 0 0 0 0 0

U.S. Virgin Islands 0 - - - -

Utah 2 2 0 2 0

Vermont 26 26 0 23 3

Virginia 18 18 0 18 0

Washington 19 19 0 19 0

West Virginia 10 10 0 10 0

Wisconsin 32 32 0 32 0

Wyoming 1 1 0 1 0

Total 982 975 7 930 52

Table 15

Financial Exams - 2017

Total

Completed Domestic Foreign Statutory Discretionary



State Domestic Foreign Other

Alabama 5 5 0 - 5 -

Alaska 1 0 1 - 0 1

American Samoa 0 - - - - -

Arizona 0 0 0 0 0 0

Arkansas 0 0 0 0 0 0

California 50 8 41 1 49 1

Colorado 2 1 1 0 2 0

Connecticut 57 12 45 - 0 57

Delaware 16 5 11 0 0 16

Dist. of Columbia 0 0 0 - 0 0

Florida 30 11 19 - 1 29

Georgia 2 0 2 - 1 1

Guam 5 5 0 - 5 -

Hawaii 0 0 0 0 0 0

Idaho 0 0 0 0 0 0

Illinois 52 8 44 - 0 52

Indiana 1 0 1 0 0 1

Iowa 25 8 17 0 0 25

Kansas 2 0 2 0 0 2

Kentucky 12 0 12 - 0 12

Louisiana 3 2 1 - 0 3

Maine 2 0 2 0 2 0

Maryland 9 1 8 0 0 9

Massachusetts 71 9 62 0 0 71

Michigan 3 0 3 - 0 3

Minnesota 5 1 4 0 0 5

Mississippi 0 0 0 0 0 0

Missouri 56 1 55 0 2 54

Montana 0 0 0 0 0 0

Nebraska 6 6 0 0 6 0

Nevada 0 0 0 - 0 0

New Hampshire 9 3 6 0 0 9

New Jersey 14 9 5 - 0 14

New Mexico 0 0 0 0 0 0

New York 8 5 3 0 5 3

North Carolina 17 3 14 - 0 17

North Dakota 1 - 1 - - 1

N. Mariana Islands 0 0 0 0 0 0

Ohio 14 7 7 0 0 14

Oklahoma 2 0 2 0 0 2

Oregon 1 1 0 - 0 1

Pennsylvania 7 4 3 0 0 7

Puerto Rico 1 1 0 - 0 1

Rhode Island 0 0 0 0 0 0

South Carolina 1 0 1 0 1 0

South Dakota 0 0 0 0 0 0

Tennessee 0 0 0 0 0 0

Texas 23 13 10 0 0 23

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

Utah 0 0 0 - 0 0

Vermont 11 8 3 0 8 3

Virginia 11 1 10 0 0 11

Washington 1 1 0 0 0 1

West Virginia 6 5 1 0 5 1

Wisconsin 2 0 2 0 0 2

Wyoming 0 0 0 0 0 0

Total 544 144 399 1 92 452

Table 16

Market Conduct Exams - 2017

Total

Completed Statutory Discretionary



State Domestic Foreign Other

Alabama 0 0 0 0 0 0

Alaska 0 0 0 0 0 0

American Samoa 0 - - - - -

Arizona 0 0 0 0 0 0

Arkansas 9 9 0 0 9 0

California 0 0 0 0 0 0

Colorado 0 0 0 0 0 0

Connecticut 0 0 0 0 0 0

Delaware 0 0 0 0 0 0

Dist. of Columbia 0 0 0 0 0 0

Florida 0 - - - - -

Georgia 0 0 0 0 0 0

Guam 0 - - - - -

Hawaii 0 0 0 0 0 0

Idaho 0 0 0 0 0 0

Illinois 0 0 0 0 0 0

Indiana 0 0 0 0 0 0

Iowa 0 0 0 0 0 0

Kansas 0 0 0 0 0 0

Kentucky 0 0 0 0 0 0

Louisiana 0 - - - - -

Maine 0 0 0 0 0 0

Maryland 0 0 0 0 0 0

Massachusetts 0 0 0 0 0 0

Michigan 0 0 0 0 0 0

Minnesota 0 0 0 0 0 0

Mississippi 8 8 0 0 8 0

Missouri 0 0 0 0 0 0

Montana 0 0 0 0 0 0

Nebraska 0 0 0 0 0 0

Nevada 0 0 0 0 0 0

New Hampshire 0 0 0 0 0 0

New Jersey 0 0 0 0 0 0

New Mexico 0 0 0 0 0 0

New York 23 23 0 0 23 0

North Carolina 0 0 0 0 0 0

North Dakota 0 0 0 0 0 0


Ohio 0 0 0 0 0 0

Oklahoma 0 0 0 0 0 0

Oregon 0 0 0 0 0 0

Pennsylvania 0 0 0 0 0 0

Puerto Rico 0 0 0 0 0 0

Rhode Island 0 0 0 0 0 0

South Carolina 0 0 0 0 0 0

South Dakota 0 0 0 0 0 0

Tennessee 12 12 0 0 12 0

Texas 74 74 0 0 74 0

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

Utah 0 0 0 0 0 0

Vermont 0 0 0 0 0 0

Virginia 0 0 0 0 0 0

Washington 0 0 0 0 0 0

West Virginia 0 0 0 0 0 0

Wisconsin 0 0 0 0 0 0

Wyoming 0 0 0 0 0 0

Total 126 126 0 0 126 0

Table 17

Combined Financial/Market Conduct Exams - 2017

Total

Completed Statutory Discretionary



Entities Included

in Closed Market Examinations

State

Alabama 5 5 0 5

Alaska 1 0 1 1

American Samoa 0 - - -

Arizona 0 0 0 25

Arkansas 9 9 - 9

California 101 100 1 109

Colorado 2 2 0 90

Connecticut 57 - 57 57

Delaware 21 0 21 21

Dist. of Columbia 0 0 0 0

Florida 30 1 29 299

Georgia 0 0 - 2

Guam 5 5 - 5

Hawaii 0 0 0 0

Idaho 6 0 6 6

Illinois 92 0 92 92

Indiana 1 - 1 13

Iowa 25 0 25 25

Kansas 2 0 2 34

Kentucky 12 0 12 12

Louisiana 3 0 3 5

Maine 3 3 0 3

Maryland 39 0 39 496

Massachusetts 71 0 71 71

Michigan 38 0 38 46

Minnesota 11 0 11 11

Mississippi 8 8 0 8

Missouri 56 2 54 59

Montana 0 0 0 6

Nebraska 4 0 4 4

Nevada 0 0 0 0

New Hampshire 26 0 26 26

New Jersey 13 0 13 16

New Mexico 0 0 0 0

New York 15 5 10 21

North Carolina 22 0 22 359

North Dakota 24 - 24 24

N. Mariana Islands 0 0 0 0

Ohio 17 0 17 17

Oklahoma 4 0 4 4

Oregon 1 - 1 94

Pennsylvania 7 0 7 7

Puerto Rico 0 0 0 0

Rhode Island 1 0 1 27

South Carolina 1 0 1 1

South Dakota 26 1 25 26

Tennessee 0 - - -

Texas 97 74 23 102

U.S. Virgin Islands 0 - - -

Utah 14 14 0 14

Vermont 7 0 7 7

Virginia 34 0 34 193

Washington 1 0 1 64

West Virginia 6 5 1 10

Wisconsin 2 - 2 2

Wyoming 0 0 0 177

Total 920 234 686 2,705

Table 18

Actions Including Focused Inquiries

Statutory

Entities Included in Closed Market

Market Actions - 2017

Total Discretionary and Regulatory Interventions



State

Alabama 1 2 0 5 1 0 5

Alaska 2 2 0 0 4 0 0


Arizona 0 0 0 1 0 0 0

Arkansas 15 8 0 0 36 0 0

California 0 0 0 1 0 0 0

Colorado 1 0 0 0 0 0 85

Connecticut 1 1 0 0 45 0 0

Delaware 0 0 0 0 21 0 0

Dist. of Columbia 0 0 0 0 1 0 0

Florida 2 0 1 3 2 0 329

Georgia 0 0 0 0 1 0 0

Guam - - - - - - -

Hawaii 0 5 0 0 0 0 0

Idaho 12 5 0 0 1 0 0

Illinois 2 4 0 0 25 0 0

Indiana 0 0 0 0 1 0 0

Iowa 0 0 0 - 0 0 0

Kansas 0 0 0 14 0 0 1

Kentucky 8 0 3 0 16 0 0

Louisiana 0 0 0 0 0 0 1

Maine 1 0 0 0 2 0 0

Maryland 0 0 1 0 19 0 0

Massachusetts 0 0 1 0 0 0 0

Michigan 0 2 0 0 605 0 11

Minnesota 0 0 0 1 5 0 0

Mississippi 0 0 0 0 0 0 0

Missouri 0 6 0 0 56 0 3

Montana 0 1 0 1 10 0 15

Nebraska 0 1 0 1 - - -

Nevada 4 4 0 87 1 0 0

New Hampshire 2 0 0 0 0 0 4

New Jersey 0 0 2 0 1 0 0

New Mexico 0 0 0 0 0 0 0

New York 0 0 0 0 18 0 144

North Carolina 0 0 0 5 0 0 0

North Dakota 2 9 0 0 13 0 11


Ohio 5 0 0 5 0 0 0

Oklahoma 5 0 1 13 8 - -

Oregon 4 1 2 0 0 0 0

Pennsylvania 0 0 3 0 0 0 0

Puerto Rico 0 0 0 0 35 0 796

Rhode Island 0 0 0 0 4 0 0

South Carolina 1 0 0 0 10 0 0

South Dakota 23 1 0 0 12 0 116

Tennessee 0 6 0 4 0 0 0

Texas - - 4 - 226 - 53


Utah 1 1 0 0 14 0 0

Vermont 0 0 0 0 1 0 3

Virginia 2 0 0 1 23 0 44

Washington 5 8 0 0 34 0 0

West Virginia 0 3 0 0 24 0 146

Wisconsin 0 0 0 24 21 0 0

Wyoming 5 1 0 21 0 0 0

Total 104 71 18 187 1,296 0 1,767

Certificate of Authority

Suspended Revoked

Delinquency

Order

Table 19

Regulatory Actions Taken Against Companies in 2017Financial/Regulatory Market Conduct

Other Other

Administrative

Order

Judicial

Order



StateAlabama 0 2 2 0 12Alaska 0 0 0 0 0American Samoa - - - - -Arizona 0 0 0 0 0Arkansas 0 3 0 1 0California 0 0 0 0 0Colorado 0 2 0 0 0Connecticut 0 0 36 0 0Delaware 0 9 1 0 202Dist. of Columbia 0 0 1 0 0Florida 0 0 2 0 0Georgia 0 1 0 0 0Guam - - - - -Hawaii 0 0 0 0 0Idaho 0 0 0 0 0Illinois 0 0 0 0 60Indiana 0 3 0 0 42Iowa 0 0 0 0 0Kansas 1 0 0 0 0Kentucky 0 0 0 0 0Louisiana 0 0 0 0 0Maine 0 0 3 0 51Maryland 0 0 8 0 1Massachusetts 0 2 2 0 37Michigan 0 0 0 0 27Minnesota 0 0 0 0 0Mississippi 0 0 0 0 0Missouri 0 4 1 0 0Montana 0 6 0 0 1Nebraska 0 1 2 0 0Nevada 0 0 0 0 28New Hampshire 0 0 0 0 0New Jersey 0 1 0 0 0New Mexico 0 2 1 0 1New York 0 0 0 0 13North Carolina 0 0 0 0 31North Dakota 0 1 0 0 0N. Mariana Islands 0 0 0 0 0Ohio 0 0 0 0 0Oklahoma 10 2 0 0 30Oregon 0 0 18 0 0Pennsylvania 0 0 0 0 44Puerto Rico 5 0 0 9 6Rhode Island 0 0 0 0 0South Carolina 0 0 0 0 0South Dakota 0 0 0 0 0Tennessee 0 3 1 0 0Texas - - - - 15U.S. Virgin Islands - - - - -Utah 0 3 1 0 2Vermont 0 0 0 0 0Virginia 0 0 2 0 2Washington 2 3 0 0 6West Virginia 4 0 0 0 0Wisconsin - 6 - 0 -Wyoming 0 0 0 0 1Total 22 54 81 10 612

Holding Company Rate Reports Other

Table 20

Formal Hearings - 2017

CompanyDisciplinary

Acquisition and Examination



StateAlabama 0 0 0 $0Alaska 0 0 0 -American Samoa - - - -Arizona 0 0 0 $0Arkansas 0 0 0 $0California 0 0 0 $0Colorado 0 0 0 $0Connecticut 0 0 1 $18,420,257Delaware 0 0 7 $1,886,938,000Dist. of Columbia 0 0 0 $0Florida 0 1 8 $2,378,444Georgia 0 0 0 $0Guam - - - -Hawaii 0 0 0 $0Idaho 0 0 0 -Illinois 0 0 0 $0Indiana 0 0 8 $3,944,677,943Iowa 0 0 0 $0Kansas 0 0 0 $0Kentucky 0 0 1 $32,000,000Louisiana 0 0 0 $0Maine 1 - 1 $2,711,339Maryland 0 2 1 $228,403,116Massachusetts 0 0 0 $0Michigan 0 1 2 $3,205,608Minnesota 0 0 0 $0Mississippi - - - -Missouri 0 0 0 $0Montana 0 2 4 $562,193Nebraska - - - -Nevada 0 0 2 $5,795,996New Hampshire 0 0 0 $0New Jersey - - - -New Mexico 0 0 0 $0New York 0 0 0 $0North Carolina 0 0 0 $0North Dakota 0 0 0 $0N. Mariana Islands 0 0 0 $0Ohio 1 0 7 $2,091,608,000Oklahoma - - - -Oregon 1 - 1 $6,638,803Pennsylvania 0 1 12 $6,422,565,409Puerto Rico 1 0 1 $0Rhode Island - - 2 $44,028,309South Carolina 0 0 0 $0South Dakota 0 0 0 $0Tennessee 0 0 0 $0Texas 0 0 0 $0U.S. Virgin Islands - - - -Utah 0 0 0 $0Vermont 3 3 7 $34,784,661Virginia 0 0 0 $0Washington 0 0 0 $0West Virginia 0 0 0 $0Wisconsin - - 0 $0Wyoming 0 0 0 $0Total 7 10 65 $14,724,718,078*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 - 2017Companies in Run-Off*

Initiated Completed In ProgressIn Progress

Claims Liability



StateAlabama 0 0 0 $0Alaska 0 0 0 -American Samoa - - - -Arizona 0 0 0 $0Arkansas 0 0 0 $0California 0 0 0 $0Colorado 1 0 1 $0Connecticut 0 0 1 $0Delaware 0 0 0 $0Dist. of Columbia 0 0 0 $0Florida 2 1 1 $0Georgia 0 0 0 $0Guam - - - -Hawaii 0 0 0 $0Idaho 0 0 0 -Illinois 0 1 0 $0Indiana 0 3 1 $1,347,208Iowa 0 0 0 $0Kansas 0 0 0 $0Kentucky 0 0 0 $0Louisiana 1 1 1 $0Maine 0 - 1 -Maryland 0 0 0 $0Massachusetts 1 1 0 $0Michigan 0 0 1 $341,163Minnesota 1 0 1 $54,288,279Mississippi 1 - 1 $1,463,115Missouri 0 0 0 $0Montana 0 0 0 -Nebraska - - - -Nevada 0 0 0 $0New Hampshire 0 0 0 $0New Jersey - 1 3 -New Mexico 0 0 0 $0New York 0 0 0 $0North Carolina 1 2 1 $48,672,590North Dakota 0 0 0 $0N. Mariana Islands 0 0 0 $0Ohio 0 0 0 $0Oklahoma - - - -Oregon - - 1 $206,363Pennsylvania 1 0 2 $1,267,342,585Puerto Rico 0 0 0 $0Rhode Island - - - -South Carolina 0 2 0 $0South Dakota 0 0 0 $0Tennessee 0 0 1 $0Texas 0 1 0 $0U.S. Virgin Islands - - - -Utah 0 0 0 $0Vermont 0 0 0 $0Virginia 0 0 0 $0Washington 0 0 2 $0West Virginia 0 0 0 $0Wisconsin - - 0 $0Wyoming 0 0 0 $0Total 9 13 19 $1,373,661,303

Initiated Completed In Progress Claims Liability

Table 21B

Supervisions, Receiverships and Companies in Run-Off - 2017Supervisions

In Progress



StateAlabama 0 0 0 $0Alaska 0 0 0 -American Samoa - - - -Arizona 0 0 0 $0Arkansas 0 0 0 $0California 0 1 1 $1,786,000Colorado 0 0 0 $0Connecticut 0 0 0 $0Delaware 0 0 0 $0Dist. of Columbia 0 0 0 $0Florida 0 0 0 $0Georgia 0 0 0 $0Guam - - - -Hawaii 0 0 0 $0Idaho 0 0 0 -Illinois 0 0 0 $0Indiana 0 0 0 $0Iowa 0 0 0 $0Kansas 0 0 0 $0Kentucky 0 0 0 $0Louisiana 0 0 0 $0Maine - - - -Maryland 1 0 1 $75,112,298Massachusetts 0 0 0 $0Michigan 0 0 0 $0Minnesota 0 0 0 $0Mississippi - - - -Missouri 0 0 0 $0Montana 0 0 0 -Nebraska - - - -Nevada 0 0 0 $0New Hampshire 0 0 0 $0New Jersey - - - -New Mexico 0 0 0 $0New York 0 0 0 $0North Carolina 0 0 0 $0North Dakota 0 0 0 $0N. Mariana Islands 0 0 0 $0Ohio 0 0 0 $0Oklahoma - - - -Oregon 1 - 2 $3,666,769Pennsylvania 0 0 0 $0Puerto Rico 0 0 0 $0Rhode Island - - - -South Carolina 0 0 0 $0South Dakota 0 0 0 $0Tennessee 0 0 0 $0Texas 0 0 0 $0U.S. Virgin Islands - - - -Utah 0 0 0 $0Vermont 0 0 0 $0Virginia 0 0 0 $0Washington 0 0 0 $0West Virginia 0 0 0 $0Wisconsin - - 0 $0Wyoming 0 0 0 $0Total 2 1 4 $80,565,067


Table 21C

Supervisions, Receiverships and Companies in Run-Off - 2017Receiverships - Conservations/Supervisions

In Progress



StateAlabama 0 1 0 $0Alaska 0 0 0 -American Samoa - - - -Arizona 0 0 1 $2,205,466,668Arkansas 0 0 2 $2,700,000California 0 0 0 $0Colorado 0 0 0 $0Connecticut 0 0 0 $0Delaware 0 0 1 $4,314,581Dist. of Columbia 0 0 0 $0Florida 0 0 2 $1,234,483Georgia 0 0 2 $0Guam - - - -Hawaii 0 0 0 $0Idaho 0 0 0 -Illinois 2 3 7 $1,267,082,462Indiana 0 0 1 $182,134Iowa 0 0 0 $0Kansas 0 0 0 $0Kentucky 0 0 2 $135,000,000Louisiana 1 1 6 $107,070,472Maine - - - -Maryland 0 0 0 $0Massachusetts 1 1 2 $0Michigan 0 1 0 $0Minnesota 0 0 0 $0Mississippi - - - -Missouri 0 0 0 $0Montana 0 0 0 -Nebraska - - 1 $7,735,097Nevada 0 0 0 $0New Hampshire 0 0 0 $0New Jersey - 1 - -New Mexico 0 0 0 $0New York 0 0 0 $0North Carolina 0 0 0 $0North Dakota 0 0 0 $0N. Mariana Islands 0 0 0 $0Ohio 0 0 0 $0Oklahoma - - 1 $6,565,411Oregon - - - -Pennsylvania 0 2 0 $0Puerto Rico 0 0 1 $51,699,325Rhode Island - - - -South Carolina 0 0 2 $5,559,115South Dakota 0 0 0 $0Tennessee 0 0 0 $0Texas 0 0 2 $293,797,364U.S. Virgin Islands - - - -Utah 0 0 1 $1,000,000Vermont 0 1 0 $0Virginia 0 0 0 $0Washington 0 0 0 $0West Virginia 0 0 0 $0Wisconsin - - 1 -$366,512,947Wyoming 0 0 0 $0Total 4 11 35 $3,722,894,165


Table 21D

Supervisions, Receiverships and Companies in Run-Off - 2017Receiverships - Rehabilitations

In Progress



StateAlabama 1 0 5 $9,015,324Alaska 0 0 0 -American Samoa - - - -Arizona 0 0 2 $211,321,788Arkansas 0 1 10 $29,120,000California 1 1 14 $12,104,459,000Colorado 0 0 1 $129,955,558Connecticut 0 0 1 $17,675,761Delaware 0 0 11 $1,286,988,085Dist. of Columbia 1 0 5 $45,550,904Florida 1 7 17 $1,631,005,657Georgia 0 0 15 $0Guam - - - -Hawaii 0 0 6 $16,700,000Idaho 0 0 1 -Illinois 1 3 9 $1,837,761,719Indiana 0 0 3 $21,374,427Iowa 0 0 0 $0Kansas 0 0 0 $0Kentucky 0 0 1 $105,000,000Louisiana 0 1 1 $21,553,000Maine - - - -Maryland 0 0 0 $0Massachusetts 0 1 2 $392,800,000Michigan 0 0 2 $107,830,082Minnesota 0 0 1 $5,000Mississippi - 1 6 $132,821,490Missouri 1 2 9 $657,169,930Montana 0 1 2 $10,400,364Nebraska - - - -Nevada 0 0 10 $75,997,994New Hampshire 0 0 1 $4,033,699,000New Jersey 2 1 7 -New Mexico 0 0 0 $0New York 1 2 17 $6,337,679,118North Carolina 0 0 1 $14,859,093North Dakota 0 0 0 $0N. Mariana Islands 0 0 0 $0Ohio 0 0 1 $4,335,157Oklahoma - - 13 $232,761,424Oregon 1 - 1 $17,838,716Pennsylvania 2 1 11 $13,198,707,058Puerto Rico 0 2 2 $57,614,361Rhode Island - - 2 $56,526,391South Carolina 1 3 5 $137,114,141South Dakota 0 0 0 $0Tennessee 0 0 3 $0Texas 0 0 15 $1,661,229,745U.S. Virgin Islands - - - -Utah 0 0 6 $209,801,297Vermont 1 2 1 $7,620,000Virginia 0 0 2 $17,252,396Washington 0 1 0 $0West Virginia 0 0 0 $0Wisconsin - - 1 $5,000Wyoming 0 0 1 $25,000,000Total 14 30 224 $44,856,548,980

Table 21E

Supervisions, Receiverships and Companies in Run-Off - 2017Receiverships - Liquidations

In ProgressInitiated Completed In Progress Claims Liability



Insurance Producers In 2017 9.03 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 insuranceservices.

• Surplus Lines Brokers: Licensed to place insurancewith companies that are not licensed in the broker’sstate. Coverage must be unavailable fromcompanies licensed in the state.

• Bail Bonds: Licensed to sell bail bonds in theindicated state.

• Adjusters: Independent individual/entity contractedby an insurance company or policyholder to reviewclaims brought against the insurer and makesettlement recommendations.

• Other: Includes any issued license that does not fitinto one of the above categories.

Non Risk-Bearing Organizations:

• Premium Finance Companies: Loan money forinsurance premiums to policyholders. The amountloaned, including fees and interest, is then repaidover time.

• Third-Party Administrators: Perform managerialand clerical duties related to an employee insuranceprogram on behalf of another company. Commonlyused by self-insured employers.

• Utilization Review: Examine health care usage todetermine if treatment received is consistent with aninjury and appropriate for the insurance plan.

• Rating/Advisory Organizations: Develop rates, losscosts, coverages, and policy forms for memberinsurance companies based on data collected fromthe companies.

• Managing General Agents: Manage all or part of aninsurance company’s business, including writingbusiness, underwriting and claims settlement.

• Other: Includes any issued license that does not fitinto 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 Special Activities Database (SAD) contains data on unauthorized activities, and the Complaints Database System (CDS) provides online access to closed complaints.

The NAIC also implements the Producer Database (PDB), a nationwide comprehensive database of individuals licensed by the states to sell insurance. The PDB helps states share information to facilitate the licensing process, as well as track producers licensed in more than one state. Information shared in the PDB includes demographic and biographical information, current and historical license information, types of licenses held, authorized lines of business, record of insurance regulatory actions (listed in RIRS), Financial Industry Regulatory Authority (FINRA) disciplinary indicator and FINRA exams taken. In addition, the PDB links to SAD and CDS databases to provide the states with a more complete regulatory “picture” of a producer.

With PDB in place to serve as a cornerstone, the National Insurance Producer Registry (NIPR), a non-profit affiliate of the NAIC, connects state insurance departments with insurers, producers, licensing service providers, and any other parties involved in the licensing process. Among its many benefits of such a wide-area network, the NIPR brings efficiencies to the licensing of producers by facilitating the electronic licensing application process; automating the producer appointment and termination process; providing public access to data contained in the PDB; streamlining billing and collection of licensing and appointment fees; and increasing consumer protection through better tracking of rogue agents.


52 Insurance Producers

State

Alabama 146,165 29,995 116,170 10,196 2,286 7,910

Alaska 61,196 3,471 57,725 4,957 319 4,638

American Samoa 0 - - 0 - -

Arizona 202,056 47,170 154,886 15,256 3,467 11,789

Arkansas 122,053 20,308 101,745 9,269 2,091 7,178

California 387,390 236,069 151,321 21,564 13,029 8,535

Colorado 151,131 37,897 113,234 12,864 3,421 9,443

Connecticut 128,132 21,491 106,641 9,038 1,803 7,235

Delaware 150,924 6,009 144,915 8,195 874 7,321

Dist. of Columbia 84,078 1,296 82,782 6,183 118 6,065

Florida 457,508 218,348 239,160 102,441 66,369 36,072

Georgia 223,105 69,753 153,352 23,266 8,724 14,542

Guam 572 450 122 81 29 52

Hawaii 61,415 8,216 53,199 5,195 679 4,516

Idaho 89,373 8,954 80,419 7,163 860 6,303

Illinois 208,238 74,962 133,276 16,434 6,494 9,940

Indiana 163,282 41,799 121,483 13,777 3,721 10,056

Iowa 122,820 26,517 96,303 6,833 1,040 5,793

Kansas 130,691 23,233 107,458 12,281 4,432 7,849

Kentucky 204,644 25,273 179,371 10,156 2,240 7,916

Louisiana 130,011 35,195 94,816 10,980 3,614 7,366

Maine 129,686 7,811 121,875 6,624 856 5,768

Maryland 158,942 34,675 124,267 11,251 2,610 8,641

Massachusetts 127,426 30,476 96,950 7,174 2,387 4,787

Michigan 257,782 61,096 196,686 19,853 8,181 11,672

Minnesota 120,510 36,485 84,025 9,306 3,095 6,211

Mississippi 102,049 18,436 83,613 8,186 1,598 6,588

Missouri 157,225 43,720 113,505 14,230 5,030 9,200

Montana 84,136 6,524 77,612 9,017 1,585 7,432

Nebraska 90,670 16,610 74,060 9,072 2,286 6,786

Nevada 140,949 19,191 121,758 11,392 1,983 9,409

New Hampshire 77,367 6,502 70,865 6,099 633 5,466

New Jersey 192,860 56,979 135,881 16,164 5,214 10,950

New Mexico 169,424 9,649 159,775 7,784 854 6,930

New York 272,290 128,978 143,312 27,029 16,646 10,383

North Carolina 320,111 92,011 228,100 15,522 4,816 10,706

North Dakota 72,567 6,014 66,553 7,414 962 6,452


Ohio 216,928 71,664 145,264 17,253 7,243 10,010

Oklahoma 199,506 29,934 169,572 10,389 2,529 7,860

Oregon 122,566 20,806 101,760 9,610 2,215 7,395

Pennsylvania 242,235 87,059 155,176 20,596 7,419 13,177

Puerto Rico 9,368 8,395 973 830 581 249

Rhode Island 73,875 5,649 68,226 1,698 307 1,391

South Carolina 256,729 39,199 217,530 13,256 3,389 9,867

South Dakota 68,270 7,233 61,037 7,586 1,222 6,364

Tennessee 175,227 47,104 128,123 9,227 1,597 7,630

Texas 374,982 188,386 186,596 23,441 11,159 12,282

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

Utah 127,763 24,615 103,148 10,650 2,584 8,066

Vermont 64,536 3,081 61,455 3,561 209 3,352

Virginia 242,530 64,478 178,052 13,596 4,954 8,642

Washington 137,687 29,109 108,578 12,528 3,645 8,883

West Virginia 127,208 9,253 117,955 6,796 764 6,032

Wisconsin 152,847 39,331 113,516 6,901 1,190 5,711

Wyoming 66,319 2,581 63,738 8,282 606 7,676

Total 8,357,361 2,189,447 6,167,914 668,520 236,033 432,487

*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 - 2017

Total Resident Non-Resident Total* Resident Non-Resident

Individuals



State

Alabama 156,361 1,859 229 19,764 -

Alaska 55,751 1,915 20 7,135 701


Arizona 217,312 2,889 177 14,480 1,162

Arkansas 103,293 1,454 0 14,817 2,489

California 402,578 6,376 3,004 3,069 2,457

Colorado 163,995 2,136 0 345 0

Connecticut 137,170 2,766 368 73,809 1,112

Delaware 86,965 2,316 84 64,427 5,307

Dist. of Columbia 90,261 2,049 4 136 1,772

Florida 624,255 2,332 2,386 139,144 0

Georgia 217,370 2,142 0 30,649 1,769

Guam 705 34 - 61 -

Hawaii 59,988 1,959 0 2,806 0

Idaho 95,536 1,620 237 12,839 64

Illinois 208,238 2,357 0 579 0

Indiana 174,494 2,565 254 18,941 328

Iowa 120,863 1,836 0 116 5

Kansas 130,691 1,774 441 155 13,903

Kentucky 136,264 2,423 - 80,087 257

Louisiana 140,991 2,999 1,012 75,708 0

Maine 129,686 1,728 0 15,189 52

Maryland 160,969 2,307 0 408 6,088

Massachusetts 134,600 2,795 - 319 6,151

Michigan 274,849 2,786 0 18,480 1,975

Minnesota 129,816 1,647 393 17,919 265

Mississippi 104,470 3,665 1,334 20,004 4,635

Missouri 172,052 2,056 817 179 2,821

Montana 84,136 1,676 132 11,724 1,324

Nebraska 89,021 1,260 0 0 3,624

Nevada 125,674 2,012 242 12,562 3,455

New Hampshire 77,367 2,429 0 63,058 40

New Jersey 209,024 4,668 724 - 1,444

New Mexico 113,369 2,129 221 59,978 1,215

New York 268,547 3,743 267 18,697 645

North Carolina 283,621 2,439 2,159 81,675 36,490

North Dakota 77,588 1,917 82 - -

N. Mariana Islands 67 8 0 8 0

Ohio 230,426 3,021 782 257 3,360

Oklahoma 127,574 2,525 579 77,730 1,442

Oregon 132,176 2,784 0 13,443 90

Pennsylvania 245,366 3,914 0 1,124 12,427

Puerto Rico 10,112 86 141 1,512 357

Rhode Island 71,495 1,454 0 62,006 2,009

South Carolina 176,574 3,525 655 73,113 3,263

South Dakota 76,261 1,321 49 0 0

Tennessee 175,669 4,614 1,244 442 0

Texas 397,914 6,898 0 127,497 3,795


Utah 121,711 2,503 431 13,178 40

Vermont 64,487 1,317 30 62,868 86

Virginia 257,466 2,158 0 181 1,343

Washington 150,215 2,867 364 11,938 -

West Virginia 97,460 1,427 - 29,902 4

Wisconsin 148,434 1,720 0 0 88

Wyoming 72,479 2,123 0 53,283 0

Total 8,313,756 129,323 18,862 1,407,741 129,854

Bail Bonds Adjusters Other

Table 22 (continued)

Licensed Producers - 2017Licensed Producers/Adjusters

Producers

Surplus Lines

Brokers



StateAlabama 68 0 - 10 24 -Alaska 0 302 0 0 42 379American Samoa - - - - - -Arizona 37 306 24 19 0 179Arkansas 0 339 0 0 33 197California 0 783 0 28 48 0Colorado 0 0 0 22 55 0Connecticut 49 285 59 - - 0Delaware 21 262 1 11 0 0Dist. of Columbia 24 0 0 8 41 270Florida 0 0 0 0 903 0Georgia 48 361 87 15 0 1,096Guam - - - - 207 -Hawaii 0 0 0 0 46 0Idaho 0 314 0 32 30 176Illinois 135 442 235 0 0 0Indiana 0 316 126 15 35 144Iowa 0 378 0 17 0 0Kansas 29 364 66 13 102 79Kentucky 46 1,807 103 15 91 84Louisiana 0 371 75 0 36 0Maine 0 342 76 14 39 0Maryland 61 326 105 16 48 0Massachusetts - - - - - -Michigan 54 418 0 0 113 0Minnesota 7 353 78 17 60 544Mississippi 0 308 0 0 98 0Missouri 0 402 109 32 44 327Montana 26 295 - 20 52 41Nebraska 0 434 97 2 59 0Nevada 0 366 127 0 50 0New Hampshire 17 252 61 12 38 9New Jersey 68 181 0 8 96 246New Mexico 0 296 0 0 0 0New York 0 0 0 0 0 0North Carolina 83 - - - - 1,232North Dakota 25 329 88 19 55 -N. Mariana Islands 0 0 0 0 0 0Ohio 0 538 0 0 63 0Oklahoma - 642 112 19 217 0Oregon 0 337 0 0 102 76Pennsylvania 63 548 0 0 79 361Puerto Rico 0 0 0 4 195 0Rhode Island 0 291 0 13 31 0South Carolina 75 346 83 23 15 257South Dakota 0 357 98 17 98 172Tennessee 0 285 144 16 0 5Texas 203 712 211 13 556 0U.S. Virgin Islands - - - - - -Utah 0 438 0 0 112 0Vermont 0 0 0 0 22 0Virginia 68 0 0 0 27 0Washington 47 - - - 36 -West Virginia 0 358 0 11 33 0Wisconsin 0 355 0 23 130 0Wyoming 0 171 0 0 34 782Total 1,254 16,310 2,165 484 4,195 6,656

General Agents OtherCompaniesThird-Party Utilization Rating/Advisory

Administrators Review Organizations


Licensed Producers - 2017Non Risk-Bearing Organizations

Premium Finance Managing



StateAlabama 17 1 3 0Alaska 0 1 0 0American Samoa - - - -Arizona 8 32 0 7Arkansas 22 11 2 3California 29 278 0 445Colorado 19 5 1 21Connecticut 0 9 0 6Delaware * 59 0 0Dist. of Columbia 0 0 0 0Florida 136 170 6 289Georgia 16 7 1 23Guam - - - -Hawaii 0 0 2 0Idaho 5 29 0 5Illinois 49 8 0 31Indiana 135 15 1 104Iowa 21 6 8 1Kansas 2 33 0 21Kentucky 0 15 0 0Louisiana 40 72 15 33Maine 0 14 0 0Maryland 11 38 0 5Massachusetts 0 36 64 0Michigan 0 84 20 98Minnesota 27 38 3 0Mississippi 1 17 1 8Missouri 0 7 2 71Montana 1 1 1 1Nebraska 1 17 2 3Nevada 2 48 0 13New Hampshire 4 6 0 10New Jersey 2 38 0 28New Mexico 0 0 0 0New York 0 25 0 5North Carolina 0 18 0 42North Dakota 0 14 0 17N. Mariana Islands 0 0 0 0Ohio 33 83 0 29Oklahoma 0 5 1 5Oregon 2 39 63 10Pennsylvania 17 44 0 0Puerto Rico 1 2 14 5Rhode Island 0 3 0 0South Carolina 1 38 2 0South Dakota 0 32 0 8Tennessee 114 11 0 82Texas 0 29 3 11U.S. Virgin Islands - - - -Utah 1 2 0 9Vermont 0 4 0 0Virginia 1 735 19 0Washington 1 22 3 0West Virginia 969 19 0 251Wisconsin 1 160 3 219Wyoming 0 17 0 2Total 1,689 2,397 240 1,921* Delaware's reported 29,011 suspensions are not shown in the above table. The state's definition of suspensions is provided in the technical notes. The Total above reflects the total without Delaware.

Table 23

Actions Against Producers - 2017

Suspensions Revocations Cease & Desist Denial Order



State

Alabama 10 $1,300 0 $0 38

Alaska 9 $205,032 0 $0 0


Arizona 12 $8,844 1 $3,292 3

Arkansas 1 $10,000 1 $21,505 -

California 178 $6,128,450 3 $11,500 688

Colorado 11 $745,600 11 $583,831 14

Connecticut 11 $26,000 0 $0 0

Delaware 4,292 $1,009,100 0 $0 0

Dist. of Columbia 1 $250 0 $0 0

Florida 112 $390,250 11 $104,308 0

Georgia 40 $12,850 0 $0 128

Guam - - - - -

Hawaii 0 $1,000 0 $0 1

Idaho 14 $108,000 0 $0 7

Illinois 24 $610,400 0 $0 0

Indiana 56 $134,054 328 $153,115 -

Iowa 11 $93,014 4 $1,493,716 4

Kansas 2 $1,500 0 $0 80

Kentucky 1 $500 0 $0 12

Louisiana 248 $128,075 0 $0 0

Maine 6 $34,050 1 $382 0

Maryland 74 $125,650 74 $6,843,819 0

Massachusetts 449 $192,545 0 $0 0

Michigan 19 $70,500 3 $61,324 740

Minnesota 97 $498,550 0 $0 91

Mississippi 19 $20,300 0 $0 4

Missouri 111 $47,725 36 $93,157 20

Montana 3 $9,479 3 $34,036 1

Nebraska 15 $15,650 0 $0 0

Nevada 83 $150,275 4 $18,055 73

New Hampshire 9 $69,050 7 $68,960 2

New Jersey 85 $2,384,000 14 $2,454,175 0

New Mexico 0 $0 0 $0 0

New York 138 $600,350 0 $0 0

North Carolina 96 $204,700 3 $1,600 5

North Dakota 56 $163,694 0 $0 28

N. Mariana Islands 0 $0 0 $0 0

Ohio 226 $56,200 0 $0 54

Oklahoma 61 $39,650 0 $0 88

Oregon 23 $197,925 0 $0 6

Pennsylvania 33 $276,300 15 $140,903 19

Puerto Rico 14 $41,400 0 $0 0

Rhode Island 2 $5,500 0 $0 0

South Carolina 36 $72,400 0 $0 134

South Dakota 10 $41,000 0 $0 0

Tennessee 15 $715,000 18 $21,275 0

Texas 250 $9,021,632 13 $8,194,651 -


Utah 30 $574,955 0 $0 0

Vermont 1 $100 1 $50 0

Virginia 57 $282,650 26 $2,112,575 251

Washington 84 $64,010 0 $0 5

West Virginia 16 $13,600 0 $0 0

Wisconsin 35 $118,250 0 $0 41

Wyoming 25 $52,450 0 $0 8

Total 7,211 $25,773,759 577 $22,416,229 2,545

Fines Restitutions Restitution Other


Actions Against Producers - 2017

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 2017, 290,813 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 2,154 2,161 Yes

Alaska 197 1,648 Yes

American Samoa - - -

Arizona 2,472 17,359 Yes

Arkansas 2,193 12,809 Yes

California 42,878 152,153 Yes

Colorado 4,836 10,514 Yes

Connecticut 4,627 20,462 Yes

Delaware 778 3,799 No

Dist. of Columbia 681 801 Yes

Florida 19,060 296,677 Yes

Georgia 12,218 112,521 Yes

Guam - - -

Hawaii 576 5,111 Yes

Idaho 885 6,719 Yes

Illinois 8,994 92,060 Yes

Indiana 3,834 81,472 Yes

Iowa 1,584 498 No

Kansas 2,955 884 Yes

Kentucky 4,919 340 Yes

Louisiana 3,479 225 Yes

Maine 776 5,728 Yes

Maryland 12,178 668 Yes

Massachusetts 1,684 13,293 Yes

Michigan 4,507 13,938 Yes

Minnesota 3,244 13,440 Yes

Mississippi 1,342 14,723 Yes

Missouri 3,574 2,753 Yes

Montana 1,148 312 Yes

Nebraska 1,436 9,108 No

Nevada 3,256 11,160 Yes

New Hampshire 972 5,103 Yes

New Jersey 6,729 23,669 Yes

New Mexico 1,504 14,150 No

New York 39,641 35,926 Yes

North Carolina 10,681 195,905 No

North Dakota 148 3,280 Yes

N. Mariana Islands 0 0 No

Ohio 5,875 97,287 Yes

Oklahoma 4,558 21,873 No

Oregon 3,843 14,805 Yes

Pennsylvania 10,821 38,773 Yes

Puerto Rico 796 - No

Rhode Island 346 523 Yes

South Carolina 3,496 8,327 Yes

South Dakota 530 - No

Tennessee 4,420 - No

Texas 24,566 148,624 Yes

U.S. Virgin Islands - - -

Utah 1,246 52,737 Yes

Vermont 489 3,510 Yes

Virginia 4,002 18,397 Yes

Washington 7,705 97,263 Yes

West Virginia 2,006 21,873 Yes

Wisconsin 3,568 20,165 Yes

Wyoming 406 1,791 Yes

Total 290,813 1,727,317

Table 24

Consumer Complaints/Inquiries - 2017

Consumer Complaints Consumer Inquiries



Separate Investigators Limitations onCriminal Ins. Have Peace Types of Ins.

State Fraud Unit? Parent Agency Authority? Fraud Investigated?Alabama Yes State Insurance Department Yes NoAlaska Yes Alaska Division of Insurance No NoAmerican Samoa - - - -Arizona Yes Insurance Department Yes NoArkansas Yes Arkansas Insurance Department Yes NoCalifornia Yes CA Department of Insurance, Enforcement Branch Yes NoColorado Yes Attorney General's Office Yes NoConnecticut Yes Office of the Chief State's Attorney Yes YesDelaware No - No NoDist. of Columbia Yes DISB/Enforcement & Consumer Protection No YesFlorida Yes Department of Financial Services Yes NoGeorgia Yes Office of Commissioner of Insurancd Yes YesGuam - - - -Hawaii Yes Insurance Division Yes YesIdaho Yes Department of Insurance No NoIllinois Yes Department of Insurance No YesIndiana No - No NoIowa Yes Iowa Insurance Division Yes NoKansas Yes Kansas Insurance Department No NoKentucky Yes Department of Insurance Yes NoLouisiana Yes LDI, State Police, LDOJ (Atty. Gen.) Yes NoMaine No - - -Maryland Yes Maryland Insurance Administration No NoMassachusetts Yes IFB and Office of the Attorney General Yes YesMichigan No - No NoMinnesota Yes Minnesota Department of Commerce Yes NoMississippi Yes State Attorney General's Office Yes NoMissouri No - No NoMontana Yes Office of the Montana State Auditor, Commissioner No NoNebraska Yes Department of Insurance Yes NoNevada Yes Office of the Attorney General Yes NoNew Hampshire Yes Insurance Department No NoNew Jersey Yes Law and Public Safety Yes NoNew Mexico Yes Office of Superintendent of Insurance Yes NoNew York Yes Department of Financial Services Yes NoNorth Carolina Yes North Carolina Department of Insurance Yes NoNorth Dakota Yes Legal Division Yes NoN. Mariana Islands No Office of the Attorney General No NoOhio No - No NoOklahoma Yes Insurance Dept and AG's Office Yes NoOregon No - - -Pennsylvania Yes OAG, PA State Police & Local Authorities Yes YesPuerto Rico No - No NoRhode Island Yes RISP - NoSouth Carolina Yes SC Attorney General's Office Yes NoSouth Dakota Yes Attorney General's Office Yes NoTennessee Yes Department of Commerce and Insurance No NoTexas Yes Texas Department of Insurance Yes NoU.S. Virgin Islands - - - -Utah Yes Insurance Fraud Division Yes NoVermont No - - -Virginia Yes Virginia State Police Yes YesWashington Yes Office of Insurance Commissioner Yes YesWest Virginia Yes Offices of the Insurance Commissioner No NoWisconsin No - - -Wyoming No - - No

Table 25

Fraud Investigation - 2017



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 YesSpanish - Health Care Appeals; Title

Insurance; Resolving ComplaintsArkansas Yes Yes Yes Yes Yes Yes No Yes Spanish (limited)California Yes Yes Yes Yes Yes Yes Yes Yes Twelve additional language are available 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 No 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 Yes SpanishGuam 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 (not all publications)Louisiana Yes Yes Yes Yes Yes Yes Yes YesMaine Yes Yes Yes Yes Yes Yes Yes Yes A few are available in SpanishMaryland 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

Nevada Yes Yes Yes Yes Yes Yes Yes YesHealth and Health Insurance Rate review in

SpanishNew 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 No 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 Spanish (limited)Puerto 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 Yes

Tennessee Yes Yes Yes Yes Yes Yes Yes YesHTML convertible to many different

languagesTexas Yes Yes Yes Yes Yes Yes Yes Yes Spanish

U.S. Virgin Islands - - - - - - - -Utah Yes Yes Yes Yes Yes Yes Yes YesVermont Yes Yes Yes Yes Yes Yes Yes NoVirginia Yes Yes Yes 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 - 2017



StateAL 800-433-3966 a 334-241-4141 334-269-3550 334-241-4192AK 800-467-8725 a 907-269-7914 907-269-7900 907-269-7910AS 011-684-633-4116 011-684-633-4116 011-684-633-2269AZ 800-325-2548 a 602-364-2499 602-364-3100 602-364-2400AR 800-852-5494 501-371-2640 501-371-2600 501-371-2618CA 800-927-4357 800 927-4357 916-492-3500 916-445-5280CO 800-930-3745 a 303-894-7490 303-894-7499 303-894-7455CT 800-203-3447 a 860-297-3900 860-297-3800 860-566-7410DE 800-282-8611 a 302-674-7310 302-674-7300 302-739-5280DC 202-442-7812 202-727-8000 202-535-1196FL 877-693-5236 a 850-413-3089 850-413-3089 850-413-2950GA 800-656-2298 404-656-2070 404-656-2056 404-657-8542GU 011-671-635-1844 011-671-635-1817 011-671-633-2643HI 808-586-2790 808-586-2790 808-586-2806ID 800-721-3272 a 208-334-4250 208-334-4250 208-334-4398IL 866-445-5364 217-782-4515 217-782-4515 217-782-5020IN 800-622-4461 a 317-232-2395 317-232-2385 317-232-5251IA 877-955-1212 a 515-281-6348 515-281-5705 515-281-3059KS 800-432-2484 a 785-296-7827 785-296-3071 785-296-7805KY 800-595-6053 a 502-564-6034 502-564-3630 502-564-1453LA 800-259-5300 a 225-342-5900 225-342-5900 225-342-8622ME 800-300-5000 a 207-624-8475 207-624-8475 207-624-8599MD 800-492-6116 410-468-2000 410-468-2000 410-468-2020MA 877-563-4467 617-521-7777 617-521-7794 617-753-6830MI 877-999-6442 517-284-8784 517-284-8800 517-284-8837MN 800-657-3602 a 651-539-1600 651-539-1500 651-539-1547MS 800-562-2957 a 601-359-2453 601-359-3569 601-359-2474MO 800-726-7390 a 573-751-2640 573-751-4126 573-526-3416MT 800-332-6148 a 406-444-2040 406-444-2040 406-444-3497NE 877-564-7323 a 402-471-0888 402-471-2201 402-471-4610NV 888-872-3234 a 775-687-4270 775-687-0700 775-687-0787NH 800-852-3416 a 603-271-2261 603-271-2261 603-271-1406NJ 800-446-7467 609-292-5316 609-292-7272 609-984-5273NM 855-427-5674 a 505-827-4549 505-827-4601 505-827-4734NY 800-342-3736 212-480-6400 212-709-3500 212-709-3520NC 855-408-1212 919-807-6750 919-807-6000 919-733-6495ND 800-247-0560 a 701-328-9611 701-328-2440 701-328-4880MP 670-664-3064 670-664-3000 670-664-3067OH 800-686-1526 800-686-1526 614-644-2658 614-644-3744OK 800-522-0071 a 405-521-2991 405-521-2828 405-521-6635OR 888-877-4894 503-947-7984 503-947-7980 503-378-4351PA 877-881-6388 a 717-783-2153 717-787-7000 717-772-1969PR 888-722-8686 787-304-8686 787-304-8686 787-273-6365RI 401-462-9616 401-462-9520 401-462-9602SC 800-768-3467 a 803-737-6180 803-737-6160 803-737-6231SD 605-773-3563 605-773-3563 605-773-5369TN 800-342-4029 a 615-741-2218 615-741-2241 615-532-6934TX 800-578-4677 800-252-3439 512-676-6000 512-490-1045VI 340-774-7166 340-774-7166 340-774-9458

UT 800-439-3805 aHealth

LifeP/C

801-538-3077801-538-3066801-538-3035

801-538-3800 801-538-3829

VT 800-964-1784 802-828-3302 802-828-3301 802-828-3306VA 800-552-7945 a 877-310-6560 804-371-9741 804-371-9873WA 800-562-6900 360-725-7080 360-725-7000 360-586-3535WV 888-879-9842 a 304-558-3386 304-558-3354 304-558-0412WI 800-236-8517 a 608-266-3585 608-266-3585 608-266-9935WY 800-438-5768 a 307-777-7402 307-777-7401 307-777-2446a - In-state calls only

Table 27

Consumer Access to Insurance Departments - 2017

Toll Free Hotline Consumer Direct Department Phone Department Fax



Company Producer Consumer OnlineLicensing Licensing Complaint Complaint

State Internet Address Info Info Statistics SubmissionAlabama 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 No YesMaine http://www.maine.gov/pfr/insurance/ 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 http://csimt.gov Yes Yes No YesNebraska www.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://www.commerce.gov.mp/ Yes Yes No YesOhio www.insurance.ohio.gov Yes Yes Yes YesOklahoma www.oid.ok.gov Yes Yes Yes YesOregon www.dfr.oregon.gov Yes Yes Yes YesPennsylvania www.insurance.pa.gov Yes Yes Yes YesPuerto Rico www.ocs.gobierno.pr 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.html Yes Yes No YesTexas www.tdi.texas.gov Yes Yes Yes YesU.S. Virgin Islands - - - - -Utah https://insurance.utah.gov/ Yes Yes Yes YesVermont www.dfr.vermont.gov Yes Yes No NoVirginia 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 - 2017Available on Web Site?



State Title Parent AgencyAlabama Alabama Department of Insurance Office of the GovernorAlaska Alaska Division of Insurance Department 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 DC Department of Insurance, Securities and Banking Office of the MayorFlorida Florida Office of Insurance Regulation Florida Financial Services CommissionGeorgia Georgia Office of Insurance and Safety Fire CommissionerGuam Guam Regulatory Division Department of Revenue and TaxationHawaii Hawaii Insurance Division Department of Commerce and Consumer AffairsIdaho Idaho Department of Insurance Office of the GovernorIllinois Illinois Department of Insurance Office of the GovernorIndiana Indiana Department of Insurance Office of the GovernorIowa Iowa Insurance Division Department of CommerceKansas Kansas Insurance DepartmentKentucky Kentucky Department of Insurance Public Protection CabinetLouisiana Louisiana Department of InsuranceMaine Maine Bureau of Insurance Department of Professional and Financial RegulationMaryland Maryland Insurance Administration Office of the GovernorMassachusetts Massachusetts Division of Insurance Office of Consumer Affairs and Business RegulationMichigan Michigan Department of Insurance and Financial Services

Minnesota Minnesota Department of Commerce Department of CommerceMississippi Mississippi Insurance Department

MissouriMissouri Department of Insurance, Financial Institutions and Professional Registration

Office of the Governor

MontanaMontana Office of the Commissioner of Securities & Insurance

Montana State Auditor

Nebraska Nebraska Department of Insurance Office of the GovernorNevada Nevada Division of Insurance Department of Business and IndustryNew Hampshire New Hampshire Insurance Department Office of the GovernorNew Jersey New Jersey Department of Banking and Insurance State of New JerseyNew Mexico New Mexico Office of the Superintendent of InsuranceNew York New York State Department of Financial Services Office of the GovernorNorth Carolina North Carolina Department of InsuranceNorth Dakota North Dakota Insurance DepartmentN. 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 Puerto Rico Office of the Commissioner of InsuranceRhode 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 Insurance

U.S. Virgin IslandsDivision of Banking, Insurance, and Financial Regulation Office of the Lieutenant Governor

Utah 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 - 2017


64 Technical Notes

Technical Notes to the 2017 Insurance Department Resources Report – Volume One

Staffing Table 1 Kansas: Office of the Kansas Securities Commissioner

merged with the Kansas Insurance Department July 1, 2017.

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 2016 but not years prior.

South Dakota: Executive Reorganization Order 2017-02 issued by Gov. Dennis Daugaard on Jan. 13, 2017, transferred the functions of securities regulation and oversight in South Dakota to the Division of Insurance. The reorganization was effective on April 13, 2017.

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 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. Alabama: “Other” employees include the executive

secretary, state fire marshal office employees. Alaska: The division hired a Life/Health actuary in 2017.

This position was vacant for several years prior. 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.

Arkansas: There was a statewide readjustment of all state employee pay scales and grades in Act 365 of 2017. (http://www.arkleg.state.ar.us/assembly/2017/2017R/Acts/Act365.pdf) “Other” employees include risk consultants, not contractual workers.

California: As of 2017 there was longer an actuarial trainee position, therefore there was a salary change for the life/health actuary position(s). Licensing staff numbers in 2016 did not include personnel in Curriculum and Officer Reviews Bureaus which are included in 2017. Information Systems/Technical Services positions experienced some reorganization in 2017. “Other” employees include community programs and policy

initiative branch, California Organized Investment Network (COIN), and Office of Management and Budget (OMB).

Colorado: Reduction in revenue staff is due to reallocation of duties within the operations section of the Division. Financial Examiners and Analysts were added to build staff and reduce workloads. SHIP/SMP personnel were allocated under federal grants. The total consists of positions available (exclusive of SHIP Director who is listed under Supervisory Staff) though several positions are vacant pending federal appropriations action. A statewide reallocation of job classifications affecting "General Professional" classification and refining positions into new classifications occurred in 2017.

Delaware: Created a new human resources position due to reclassifying former vacant captive director position.

District of Columbia: “Other” employees include health care policy analysts. New for 2017 were new P&C rates and forms analyst positions.

Florida: Company licensing personnel are included in financial regulation. As of 2017, supervisors are now included in Executive Deputy/Assistant Commissioners categories instead of Supervisory Staff for Market Conduct Regulation and Financial Regulation. Internal reorganization that involved the reclassification of some positions explain the changes to the FTE total. “Other” personnel include employees in the Commissioner’s Office.

Idaho: “Other” employees include state fire marshal, inspectors, Idaho fire incident reporting system employees, plans reviewer, and technical records.

Illinois: Headcounts vary year to year due to internal movement, intra-agency transfers, retirement and attrition. All Information Systems/Technical Services staff has been transferred to DoIT, an Illinois agency charged with all IT/EDP management state-wide. Other licensing personnel include education/testing headcount. Decrease in total headcount is due to the transfer of DEP/IT to DoIT, as well as retirement and attrition.

Indiana: “Other” includes patients’ compensation fund employees.

Iowa: “Other” employees include supervisor, compliance officer, field auditor, administrative assistant, executive officers and secretary.

Kansas: “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.

Massachusetts: “Other” employees include research analysts and administrative view officers.



Michigan: Changes in legal staff and consumer affairs are due to a decrease in insurance-related activities in the administrative cost allocation department-wide. (Corrections to 2016: Executive Media salary range should have been $62,654-$74,904; Executive Public Policy upper salary $91,120; Administration Business Office FTE should have been 1.08; Market Conduct Regulation Supervisory Staff upper salary should have been $89,513; Consumer Affairs Supervisory Staff upper salary should have been $97,880.)

Minnesota: Salary increases were granted for 2017. Staffing changes in 2017 resulted from reorganization and reallocation in the actuarial and licensing staff sections.

Missouri: “Other” employees include research analysts and designated print assistants. Federal grant positions were removed from the budget in 2017.

Montana: Salaries were revised in 2017 based on a new market analysis, which is completed every two years. “Other” employees include appointed staff.

Nebraska: “Other” employees include health care reform employees.

Nevada: “Other” employees include self-insured workers’ compensation section staff. In order to be more efficient, the Division reorganized some sections during 2017. In the 2016 report, the supervisors for the clerical staff, the L/H Rate Form Analysts and the P&C Rate/Form Analysts were listed as Support Staff. In the 2016 report, the supervisors for financial regulation and market conduct regulation were listed as examiners. Also in the 2016 report one of the supervisors for licensing was listed as Producer Licensing Personnel.

New Jersey: “Other” employees include regulatory officer, special projects director, research scientist, adjuster, legislative liaison legal specialist, and emergency management coordinator. Changes in personnel are attributed to a retirements and backfilling in multiple areas and a statewide IT centralization initiative transferring information systems/technical services employees to the Office of Information Technology.

New Mexico: The OSI gave up 39 FTE's due to budget in 2017. “Other” employees include federal grant employees, title, and patient compensation funds employees.

North Carolina: “Other” employees include engineers, engineering technicians, and fire and rescue training instructors.

North Dakota: “Other” employees include underwriter, office assistant, deputy boiler inspectors, chief boiler inspector, building appraiser and division director of special funds.

Northern Mariana Islands: “Other” includes licensing officers.

Oregon: “Other” employees include project coordinator, rate review analyst, and budget analyst. The Insurance Division and the Division of Finance and Corporate Securities merged in 2017. The department experienced personnel changes attributed to a

reorganization of the Financial Regulation and Consumer Affairs sections as well as the elimination of some grant funded market conduct regulation positions. In 2016 two people who work with retaliatory taxes were not included but were reported in 2017 under the “auditor” category.

Pennsylvania: “Other” personnel includes Special Funds deputate.

Rhode Island: “Other” employees include a secretary and accountant.

Texas: The 2016 upper salary range for "Actuaries - L/H" should have been $189,069.00. The 2016 upper salary range for "Market Conduct Examiners" should have been $103,491.00. Some of the 2016 Civil Fraud Investigator FTEs were reorganized in 2017 as Criminal Fraud Investigators. The Sr. Health Insurance Program for the agency was discontinued in 2017. “Other” includes Information Specialists, Insurance Specialists Program Specialists, Auditors, Statisticians, and Engineers.

Utah: “Other” employees include research consultants. Vermont: Producer licensing supervisor is also the Rates &

Forms supervisor. One position in producer licensing was vacant in 2017. “Other” personnel reported in 2016 should have been 1 and the total full-time employee count should have been 63.20.

Washington: “Other” employees include employees with holding company duties. Personnel changes are attributed to restructuring. There are 245 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 and reorganization and restructuring. The Legal department had seven vacancies. The Financial Regulation Unit was reorganized. The Tax Audits and Self-Insurance sections moved to Financial Accounting.

Wyoming: “Other administrative staff” includes the department’s accountant. “Other” employees include auditors and senior policy and planning analyst.

Tables 4–5 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: The department expanded contractual relationships for market conduct examinations and temporary employees to accommodate vacancies.

Connecticut: “Other” contractual/intergovernmental employees include the IT manager assigned to the Department of Insurance.


66 Technical Notes

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.

Maryland: “Other” contractual/intergovernmental employees include Process Manager, Special Project Coordinator, Administrative Assistants, Law Clerk Intern, and Health Insurance & Managed Care Policy Analyst. The increase in contractual staff is due to the Insurance Commissioner approving temporary contractual staff to work on special projects. The Fraud increase of contractual position was due to filling vacant positions.

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.

New York: “Other” contractual/intergovernmental employees include pension actuaries and property reorganization employees.

Pennsylvania: Other contractual/intergovernmental employees include business partners and contractors.

South Carolina: “Other” contractual/intergovernmental employees include program assistant and administrative specialist

Washington: The Criminal Fraud Investigators category includes a detective with the Washington State Patrol.

Wisconsin: The changes in the entries for "Actuaries" were due to the normal variations in the examination schedule. While 2016's schedule was rather evenly split between Life/Health and Property/Casualty examinations, in 2017, two very large Property & Casualty groups were examined causing a surge in that category. The need for Life/Health actuaries was somewhat lower than 2016.

Wyoming: Additional actuaries were used for a one-time legislative report and an examination.

Budget and Funding Tables 7–9 Alabama: Budget runs Oct. 1–Sept. 30. Funding is a

combination of dedicated and quasi-dedicated. The fiscal year 2019 budget was increased to accommodate Department needs. “Other” budget category includes additional funds from new SAH program. Department operations expenses were calculated differently in 2017 from 2016.

Alaska: The budget for fiscal year 2019 had not yet been approved as of the data collection date. 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.

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. The increase in the ‘Other” budget category is due to the inclusion of workers’ compensation claims payments by the Arizona Property and Casualty Insurance Guaranty Fund ("APCIGF").

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.

Colorado: Colorado is 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. Difference in budget between 2016 and 2017 is accounted for by an increase in overall funding of Division for personnel and operations.

Delaware: “Other” funding category includes NAIC grant and zone funds.

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 goods sold, refunds, interest, royalties and transfers.

Georgia: “Other” funding includes federal funds. The change in allocation of expenses is due to a new allocation assignment that covers administrative functions across programs more adequately.

Guam: The fiscal budget year is Oct. 1–Sept. 30. Hawaii: “Other” funding includes interest earned and

premium tax on captive insurers.



Idaho: “Other” funding includes federal grant funds. There was an increase in 2017 operational expenses due to partial funding of an office remodel.

Illinois: “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. The operations total includes lower line item and operational lump sum totals.

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.

Michigan: The budget year runs from Oct. 1–Sept. 30. Change in expenses is due to a decrease in insurance-related activities in the administrative cost allocation department-wide.

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. There were major increases in company premium tax collections as well.

Missouri: “Other” funding includes federal grants. Nevada: “Other” funding includes special services,

recoveries, miscellaneous revenue, treasurer interest, appropriations and prior year revenue.

New Jersey: Funding is quasi-dedicated. Funding and spending governance is 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.

New Mexico: Fiscal year 2019 budget is pending the addition of an average 2% salary increase as of the data submission data to NAIC. Funding is a combination of dedicated and quasi-dedicated. 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: $1 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.

Pennsylvania: Passing of the Pennsylvania General Assembly Act of July 2, 2013 provided for dedicated funding to the Department of Insurance (DOI). At the 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: 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.

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. General Fund and Other both decreased due to the end of projects that had dedicated funding. Operations allocation changed in fiscal year 2017 due to planned replacement of technology equipment for the agency.

Wisconsin: Wisconsin is allowed to keep a cash reserve of 10% of expenditure level; the rest goes to the state’s general fund.


68 Technical Notes

Table 10 Alabama: The increase in fines collected in 2017

compared to 2016 was the result of a large settlement. 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. Fiscal year 2017 had larger monetary non-compliance issues than in fiscal year 2016.

Arizona: Total taxes paid by insurers in 2017 include workers’ compensation taxes paid to the Industrial Commission of Arizona. "Other revenues" change was due to increased revenue to the Arizona Life and Disability Insurance Guaranty Fund.

Arkansas: For 2016, $23,038,432 was included in "Other Revenues Collected" and should have instead been included in “Total taxes paid by insurers”.

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 terminated during 2017.

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.

Idaho: There was a reduction in fines and penalties but an increase in settlement agreements during fiscal year 2017

Illinois: Penalty revenue increased in 2017 because DOI had implemented an automated penalty feature into AMS. Other revenue showed decrease as fiscal year 2016 revenue was reported per the State Comptroller web site where it was broken out differently than revenues reported via the DOI’s Tax & Fiscal Unit. Federal Grant proceeds were reported under Other Revenue in 2016, whereas in 2017 this money was reported within Total Fees and assessments.

Minnesota: Fine revenue was higher due to a large insurance company fine.

Mississippi: There were major increases in company premium tax collections.

Missouri: The increase in other revenues collected is a result of the dissolution of the Missouri Health Insurance Pool (MHIP). MHIP assessments remaining after all claims have been paid are to be deposited into the state general revenue fund.

Montana: Exam fees were included in the “Other” category in 2016 but were included in Fees and Assessments in 2017.

North Carolina: Fines and penalties increased from FY 2016 to FY 2017 due to two big fines that were assessed by the Department of Insurance in FY 2017.

North Dakota: Changes to the North Dakota Century Code during the 2015 Legislative Session created a substantial increase in penalties for late surplus lines tax filings.

Oregon: Decrease in 2017 from 2016 in "Other" revenues collected is mainly due to a loss of federal grant money.

Pennsylvania: The increase in other revenues collected is attributed to the resumption of collection of revenues related to examinations.

South Carolina: The change in fees and assessments is related to biennial licensing. The change in fines and penalties was due to more activity.

Tennessee: In 2017 there was a large refund due to a retaliatory settlement.

Texas: In fiscal year 2017 there were 12 companies/individuals paying penalties in lieu of suspension of $100,000 or greater totaling $7.3 million. In fiscal year 2016 there were only three companies that paid penalties in lieu of suspension totaling $.5 million. Additionally, prompt payment penalties increased $7.9 million from fiscal year 2016 to 2017.

Vermont: Total fees and assessments collected in 2017 are significantly higher than 2016 because of producer licensing 2 year licensing cycle. Odd years are always higher.

Washington: Fines and penalties vary based on consent orders and licensing late fees. Fiscal year 2017 saw an increase in consent orders from the 2016 fiscal year.

West Virginia: Total fines and penalties increased in 2017 because the tax unit completed the 2016 tax reviews prior to year-end allowing time to focus on late filers. These included assessing unlicensed carriers’ penalties and interest on multiple years of unpaid taxes and annuity accounts were penalized for underpayments in 2017. The other revenue collected was lower in 2017 because the OIC no longer receives Personal Income Tax and Severance Tax. Also, for 2017, 50% of Debt Reduction Surcharge and Video Lottery revenue were redirected to General Revenue.

Wyoming: As of 2017, electronic late fees were included in the fine and penalty category.

Examination and Oversight Tables 11–13 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). “Other” foreign insurers include automobile service companies.



American Samoa: The count of domestic and foreign insurers was provided by the NAIC.

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.

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 105 companies from CADMHC with non-zero written premium used for premium volume in 2017 IDRR Volume II as of May 15, 2018. Of companies that filed non-zero written premiums with the NAIC, 10 domestic companies filed 2017 health written premium in annual statements and 385 foreign companies filed 2017 health written premiums.

Colorado: Licensed new Risk Retention Group during the year. The change in 2017 P/C foreign company counts compared to 2016 are due to some duplication in the 2016 count. The 2016 life foreign counts had included alien life insurers which were excluded in 2017.

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).

Georgia: “Other” domestic insurers include county mutual insurers, multiple employer welfare arrangements (MEWAs), inter-local risk management agencies (IRMAs) and auto self-insured. The department acquired resources to be able to handle RRG applications; not available in previous years.

Guam: “Other” foreign insurers include 14 surety insurers and 15 approved reinsurers.

Hawaii: “Other” domestic insurers include three guaranty associations and one dental insurer. The decreasing number of purchasing groups domiciled is attributed to a change in registration status.

Idaho: “Other” domestic insurers include a county mutual insurer. “Other” foreign insurers include advisory and ratings organizations. .

Illinois: “Other” domestic insurers include 51 farm mutual insurers and three mutual holding companies. “Other” foreign insurers include alien accredited reinsurers (foreign and alien), and alien fraternal.

Indiana: “Other” domestic insurers include seven reciprocals and 32 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 a Non-Profit Dental Service Corporation and a prepaid dental service plan. “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.

Massachusetts: “Other” foreign insurers include service contract providers and life settlement providers. The increase in count of non-filing domestic insurers and increase in fees/assessments and fines/penalties for revenues is due to a P/C company in run-off, a health company in rehabilitation, and a title company in run-off.

Michigan: “Other” domestic insurers include a cooperative, one dental care company, and two farm mutual insurers. Decrease in “Other” foreign insurers is attributed to exclusion from the count of reinsurers that do not write on a direct basis. In the past, accredited reinsurers and trusteed reinsurers were included.

Minnesota: “Other” domestic insurers include township mutual insurers. The 2017 decrease over 2016 in domestic fraternal insurers is due to a 2017 merger with a foreign insurer.

Mississippi: “Other” domestic insurers include blood plans and legal expense. “Other” foreign insurers include auto clubs.

Missouri: “Other” domestic insurers include farm mutual companies and surplus lines carriers.

Montana: “Other” domestic insurers include multiple employer welfare arrangements (MEWAs).

Nebraska: “Other” domestic insurers include assessments (county mutual), prepaid limited health and prepaid dental. “Other” foreign insurers include two prepaid limited health and one prepaid dental.

Nevada: “Other” domestic insurers include one premium finance and two motor clubs. “Other” foreign insurers include 26 premium finance and 21 motor clubs.

New Mexico: “Other” domestic insurers include prepaid dental. Due to the NM RFP being awarded in 2017 and the big push with Medicare Advantage more companies were getting licensed. As of July 1, 2017, NM OSI started using NAIC SBS system and NM lines of business changed from 145 to five (Life and Annuities, Accident and Health, Property, Casualty, and Variable Life and Annuity). In the 2016 and prior reports the department was able to separate each LOB. For the 2017 report, Title was included in casualty and


70 Technical Notes

accident was included in health. NM had a total of 1,220 foreign insurance companies as of year-end 2017.

New York: “Other” domestic insurers include charitable annuity societies, retirement systems, welfare funds, continuing care retirement, and life settlement providers. “Other” foreign insurers include charitable annuity societies and life settlement providers.

North Carolina Domestic Risk Retention Groups increased from three in 2016 to six in 2017. Note the state adopted legislation in October 2013 allowing the licensing of North Carolina domestic Risk Retention Group.

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 include one credit union share guaranty, 11 multiple employer welfare arrangements (MEWAs) and 19 mutual protectives. “Other” foreign insurers include reciprocal exchanges.

Oklahoma: “Other” domestic insurers include Mutual Benefit Association, nonprofit and prepaid dental. “Other” foreign insurers include certified reinsurers.

Oregon: “Other” domestic insurers include exemptions 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” foreign insurers include various reinsurers.

South Dakota: “Other” domestic insurers include 12 farm mutual insurers and 1 multiple employer trust.

Tennessee: “Other” domestic insurers include county mutual and limited capital reinsurers. Foreign health insurers left the state due to market conditions.

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 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.

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.

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 Alaska: In 2017 one examination completed. It was the

final examination of a domestic insurer that ceased writing direct insurance in Alaska; and, it voluntarily surrendered its Certificate of Authority in Alaska before year-end 2017.

California: Initially the Field Examination Division (FED) considered Medical Loss Ratio (MLR) examinations of CA domestics to be discretionary examinations. Going forward since these examinations are being conducted in conjunction with the normally scheduled statutory examinations of CA domestics FED will no longer count these examinations as separate discretionary examinations.

Colorado: Market conduct and financial examination statutes substantially revised in spring 2017 necessitating revision of processes, workflows, and regulations and resulting in deferral of some exams until process completed.

Illinois: The department completed no combination financial/market conduct exams in 2017. The 2017 number is far greater than the amount in 2016. Many 2014 and 2015 Reports of Examination in 2015 were adopted so there were far fewer left in 2016. More large single entity companies rather than large groups with many entities were completed, so 2016 numbers were much smaller than 2015 and not the norm. More market exams closed in 2017, including large group exams.

Maryland: The Administration performs a financial examination in accordance with section 2.205 every five years. Out of the department’s five year examination schedule, 2017 is the lightest year out of the five. In addition, the department had adjusted their examination schedule to coincide with other states to perform more efficient multi-state coordinated examinations.

Minnesota: The department examines on a five year rotation and there were fewer examinations due in 2016 and 2017 compared to 2015. Total exams do not match FEETS due to single state assessment associations that do not file with the NAIC and therefore were not called through FEETS.

Mississippi: As of 2013, statutory examinations are conducted on a five-year cycle. Previous years were



completed on a three-year statutory cycle. The number of exams will fluctuate over the next few years as Mississippi transitions to the five-year cycle and synchronizes for more coordinated multi-state exams.

Montana: The number of exam completed does not match FEETS because fee exams completed include farm mutual insurers and single state insurers, which were not reported to FEETS.

New Jersey: The Department focused on health insurers; the scope of those market conduct (MC) exams was limited in nature compared to more broad and comprehensive exam scopes the prior year, resulting in completion of more exams. Baseline and Level 1 and Level 2 analysis of market and performance conditions for last year pointed more toward the need for examinations on domestic rather than foreign insurers. Additionally, all MC exams were discretionary. Market conduct does not conduct statutory exams.

New Mexico: There were no Market Conduct Examinations completed in 2017.

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.

North Carolina: The 11 financial statutory exams were reported in FEETS. The one discretionary exam was not reported in FEETS because it is a NC domestic RRG with operations only in NC and because the audit report is confidential and may not be made public pursuant to NCGS 58-10-430(c). The drop in the number of financial examinations from 22 to 12 is just an anomaly based on the five-year exam schedule as well as adjusting examination dates to coordinate with other states. 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 discretionary exams is based on company ratings.

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.

Rhode Island: Due to limited staff resources only one market conduct exam was conducted in 2017 but was still in progress at the time of the survey.

South Carolina: Six domestic farm mutual insurers are not reported in FEETS.

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 identify potential compliance issues.

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. There were 10 scheduled domestic insurer examinations in 2017 to ensure compliance with the referenced W. Va. Code section. In addition to the market conduct examinations listed, 17 examinations were conducted focusing on claims handling for employers who are self-insured for workers’ compensation. Self-insured examinations are not included on MATS.

Table 18 Colorado: The increase in the number of entities included

in completed market actions was due to an increase in the number of market analysts performing these actions, and a data call of auto insurers that was initiated to address their premium increase notices.

Idaho: Market analyst work duties in 2016 were focused on providing additional resources to another section in the department so fewer exams were completed. This ended mid-2017.

Illinois: Numbers are up in 2017 due to closure of large group exams and closing of project exams.

Maryland: Entities included in completed market actions includes all Market Conduct Investigations including MCAS Investigations, focus inquiries, and surveys. The number of entities involved in completed discretionary exams, and also includes Multi-state exams that were closed in calendar year 2017.

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.

North Carolina: Although some entities were the subject of more than one market action, each entity is counted only once.

Rhode Island: More market actions were taken in 2017 as a result of following-up on complaints.

Utah: The increase in statutory fines is attributed to a different interpretation of the survey question.

West Virginia: There was 1 non-exam regulatory intervention that included 4 entities within a group. It was on a non-domestic. Current status on MATS is "in settlement" and has the group on a corrective action plan. Formal order was issued.

Table 19 Arizona: Other Actions include Cease and Desist Orders

for an unlicensed service company and Consent Orders for qualified health plans.


72 Technical Notes

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.

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.

New Jersey: The increase in market conduct activity across all categories was the result of market conditions requiring the Department take a deeper look at certain companies. The Department focused on health insurers; the scope of those exams was limited in nature compared to more broad and comprehensive exam scopes the prior year, resulting in completion of more exams. The Department chose more data calls where exams were not necessary or cost-effective.

North Carolina: The five financial regulatory “Other Actions” include two restrictions for “no new business” and three restrictions for “premium volume caps”.

Texas: Data is not collected on judicial orders. Table 20 Delaware: “Other” hearings include 128 arbitration

hearings, 71 producer license hearings, and three lines of duty hearings.

Illinois: “Other” hearings include producer disciplinary hearings and cancellation/nonrenewal hearings from Consumer Complaints section.

Indiana: “Other” hearings include producer hearings, including bail and recovery agents.

Maine: “Other” hearings include Cancellation Control Act hearings, licensing hearing, and a rule hearing.

Maryland: There were five formal Long-Term Care rate hearings and three formal Affordable Care Act rate hearings for a total of eight hearings held in CY 2017. “Other” hearing was a for-profit conversion hearing.

Michigan: “Other” hearings include agent/agency hearings and insurance investigations.

Nevada: “Other” hearings include eight licensing violations, five service contract provider hearings, three informal meetings, nine regulation workshops, and three 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 Mexico: “Other” hearings include a case through the Managed Health Care Bureau.

New York: “Other” formal hearings include agency and/or broker disciplinary hearings

North Carolina: “Other” hearings include agent and bail bondsman licensure and disciplinary hearings, rate hearings, and other administrative matters and appeals The Department did not have a formal rate hearing

and there were eight more administrative hearings than in 2016.

Oklahoma: “Other” hearings include producers and bail bondsmen.

Pennsylvania: “Other” hearings include insurance policy terminations and a mixed variety of cases under the commissioner’s jurisdiction.

Puerto Rico: “Other” hearings include Status Conference Hearings.

Rhode Island: The 2016 report for market conduct actions included Administrative orders, etc., resulting from multi state actions that were not included in 2017.

Texas: “Other” hearings include commissioner, State Office of Administrative Hearings (SOAH) (Agents) and Texas Windstorm Insurance Association (TWIA) appeals.

Virginia: “Other” hearings include Agent Hearings Washington: “Other” hearings include producer licensing

hearings heard at the Office of Administrative Hearings.

West Virginia: Hearings are held on an as-needed or as-reviewed basis and may vary year to year.

Wyoming: “Other” hearings included an agency hearing Tables 21 Alabama: Three receiverships should have been reported

in 2016 as in-progress liquidations. Two old liquidations were counted in 2017 and not included in the 2016 report.

Hawaii: The 2016 count for Receiverships-Liquidations should have been six.

Illinois: OSD had no companies under supervision as of 12/31/17. The company under supervision in 2016, moved into rehabilitation in 2017.

Louisiana: The 2016 figures for rehabilitations in progress should have been five instead of four and liquidations in progress should have been two instead of one.

Nevada: There should have been ten liquidations in-progress in 2016.

Utah: The increase in liability amounts are attributed to the inclusion of some liquidations that were not included in reports prior to 2017.

Washington: Liability for supervisions is not disclosable.

Insurance Producers Table 22 Alaska: The increase in Third Party Administrators (TPAs)

is because the 2016 response did not include exempt TPAs, and were included in 2017. An exempt TPA is exempt from registration but they are not exempt from regulation.

Arizona: The “Other” non risk-bearing organizations category did not include service companies or motor vehicle service contract programs in 2016 and prior reports.

Arkansas: The “Other” includes continuing care, professional employer organizations and exempt PEOs.



Colorado: Bail bonds are licensed as casualty producers in Colorado. For the past several years, bail bond agents had been licensed as casualty agents and included in that figure. The 2016 counts of bail bond agents were based on appointments filed with the CO Division, and for 2017 the appointment count is 359.

Delaware: “Other” Non Risk-Bearing Organizations reported in 2016 should have been 0.

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.

Guam: The drop in number of licensed individual is explained by a different methodology used in calculating the figure. Prior to 2017, the number of licenses held was counted as opposed to the total number of individuals/entities licensed.

Idaho: “Other” Licensed Producers/Adjusters represented 47 Life Settlement and 11 Portable Electronics. “Other” Non Risk-Bearing Organizations represented 165 Title agencies and 11 IRO entities. The increase in Rating/Advisory organizations is because 2016 only included rating agencies while 2017 was combined.

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.

Missouri: “Other” non risk-bearing organizations include discount medical plans, life care facilities, reinsurance intermediaries, statutorily created entities and service contract providers.

Nebraska: Increase in “other” licensed producers and decrease in “other” non risk-bearing organizations is attributed to a change in the category a motor club representative line is filed under.

New Hampshire – “Other” licensed producers/adjustors includes miscellaneous life settlement and portable electronics licensees.

New Jersey: The decrease in “Adjuster” and increase in “Other” licensed producers/adjusters is attributed to a change in the state categorization of public adjuster licensees, reflecting a clarification between public and private adjusters.

New Mexico: Increase in “Other” licensed producers/adjusters is attributed to changing laws and conversion to SBS. This category includes motor club representatives, insurance consultants, and viatical brokers.

Oregon: “Other” categories include self-service storage, vehicle rental, portable electronics, consultant, life settlement broker, life settlement investment agent, and temporary producer.

Rhode Island: TPA licenses were brought into NIPR effective 1/1/2017. Those licenses were not accounted in those figures prior to 1/1/2017.

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 motor club, preneed, rental car, portable electronic devise, travel and baggage, reinsurance intermediary brokers, reinsurance intermediary managers, and consultants.

Table 23 Alaska: The dollar amount of fines was lower in 2017

compared to 2016 due to a large fine in 2016. California: The increase of fines was due to a penalty

against a very large producer. Colorado: The increase in suspensions reflects additional

child support supervisions in 2017. The decrease in the number of cases involving monetary penalties and increase in actions with restitution reflect continuing policy evolution where the use of penalties conforms closely with Division enforcement priorities. The increase in the total dollar amount of fines and restitution imposed in 2017, compared to 2016, were due to more cases involving egregious misconduct (such as misappropriation of funds). "Other" refers to warning letters issued to producers in 2017.

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.

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 number of suspensions from previous year is due to a new procedure sending licensees not in compliance with their tax and child support obligations straight to suspension. The decrease in revocations is due to DOI allowing producers a chance to correct their issues through a consent order or other means. The increase in denial letters is due to checking with DOR/HFS for tax and child support delinquencies, for all actively investigated applicants. The large increase in the total amount of fines is a result of two cases closed in 2017.


74 Technical Notes

Indiana: Total amount of restitutions was less in 2017 due to title refunds to consumers in 2016.

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. The total number of orders issued against resident/non-resident producers which includes individuals and entities for CY 2017 was 74.

Michigan: Enforcement actions resulted in market conduct settlement payments. Other actions increased due to special Designated Responsible Licensed Persons (DRLP) project.

Minnesota: Summary suspensions increased relating to statutorily required suspensions. Increased final agency orders resulted in revocation of license. Fewer major civil penalties cases in 2017 resulted in significant civil penalties against producers.

Missouri: The “Other” includes voluntary license surrenders.

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 2017.

Ohio: The "Other" category includes insurance licenses that were surrendered for cause. Since 2016, there had been a reduction in suspensions that directly relate to the agency's tax lien program. Such a decline could be the results of agents entering into a payment plan with the Ohio Attorney General's Office or due to the time in which it takes to initiate administrative action against an individual.

Oklahoma: “Other” actions against producers include bail bond matters, denials, suspensions, revoked, censures.

Oregon: Other actions include licenses issued on a probationary basis.

South Carolina: Other actions include warning letters. Tennessee: The increase in suspensions is attributed to

suspensions of agents for actions unbecoming of insurance agents.

Utah: Increase in total amount of fines is attributed to one fine levied on a single agency.

Virginia: The Revocations figure is higher in 2017 because of the termination of agencies that did not have a Designated License Producer (DLP). Fines were higher in 2017 compared to 2016 because of one fine. Also cases from 2012, 2013, 2014 and 2015 were finalized in 2017. Total amount of restitution is higher this year because one case recovered for 11 consumers.

Wisconsin: License revocation numbers have increased primarily due to improvements in Department of Revenue reports of agents who owe delinquent Wisconsin income taxes. "Other" regulatory actions increased due to additional stipulations involving

limited/conditional insurance licensure in lieu of suspensions and C&D orders; also did not prosecute as many cases requiring consumer restitution (2016 values were the result of one exceptionally large consumer fraud case)

Wyoming: The number and amount of fines has increased due to procedure changes/streamlining process and because of an increase in actions taken in 2017. "Other" actions include miscellaneous legal actions the department has taken.

Consumer Services and Antifraud Table 24 Idaho: Starting with 2017, consumer complaints opened

does not include health external reviews. Louisiana: As of 2013, inquiries are no longer tracked. Minnesota: In 2017, inquires for licensing were switched

to another division, so they were no longer included as part of the Enforcement Division. As a result, the Division saw a decrease in the number of inquiries.

Nevada: Complaint data is available upon request by consumers.

North Dakota: For 2016 the number of inquiries should have been 3,432 and the number of complaints should have been 129.

Pennsylvania: The decrease in the number of inquiries could have been due to a smoother health insurance open enrollment and robust insurance consumer educational materials available on the Department's website.

South Dakota: The department does not track inquiries as they are defined in the survey.

Utah: The Insurance Department ran an advertising and outreach campaign from July 2016 to June 2017. The department experienced a significant increase in call volume, including complaints.

Wisconsin: Inquiries include phone calls received, emails received and requests for information and referrals.

Table 25 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.

Vermont: The 2016 report indicated the Attorney’s General office handled fraud cases. However, fraud cases are referred to police.



Table 26 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. 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, guides for topics relevant for seniors. Twelve additional languages are available online.

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.

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.

Louisiana: “Other” consumer information includes insurance fraud, storm and weekly consumer column.

Maine: “Other” consumer information includes credit scoring, business owners’ liability, farmowners’ liability and daycare liability.

Maryland: “Other” consumer information includes annuities, title, commercial, fraud awareness, flood insurance and natural disaster preparedness.

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 and grievance rights.

New York: “Other” consumer information includes small business, fraud and flood. North Carolina: “Other” consumer information includes safe driver incentive program, “Teen Driving”, “External Review”, motorcycle, disaster preparation and recovery, and travel insurance.

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.

Pennsylvania: “Other” consumer information includes renters insurance, annuities, flood/National Flood Insurance Program (NFIP), senior insurance issues and young adults’ insurance issues.

Puerto Rico: “Other” consumer information includes flood, “Our Office” and InsureU guides.

Rhode Island: “Other” consumer information includes annuities.


76 Technical Notes

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.

Texas: “Other” consumer information includes Health Maintenance Organizations (HMOs), surplus lines, title and commercial property.

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 Tennessee: The state changed its web address in 2017 as

part of a statewide change in web addresses. Table 28 Table 28 is taken from the NAIC Membership List.


20 17 insu ran ce d epa rtm ent r urces reportlicensed resident producers numbered nearly 2.2...

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