AI that meets your regulators where they already are — NAIC Model Bulletin alignment, state DOI expectations, model risk management, and unfair-discrimination testing. Every rating-adjacent model is inventoried, tested for fair use, and fully auditable.
Insurance regulation reaches AI through the model, the rate, and the outcome. The NAIC Model Bulletin on the Use of Artificial Intelligence Systems expects carriers to run a documented AIS program — governance, a model inventory, lifecycle controls, and third-party oversight — and individual departments of insurance now ask to see it. We build AI that produces those artifacts as it operates, so a market-conduct examiner finds a program, not a scramble.
The sharper edge is fairness. Unfair-trade-practice statutes, rate-justification rules, and state-specific regimes like Colorado's SB21-169 all bear on models that touch underwriting, pricing, or claims. We embed disparate-outcome testing into those models, keep their inputs and decisions on an append-only record, and tie each version to its validation evidence — so fair-use and rate filings are defensible rather than aspirational.
Each capability maps to a named regulatory expectation — the Model Bulletin, state rating law, model risk — not a generic checkbox.
The AI worth deploying in a carrier all influences a regulated decision — which is why governance is the gating requirement:
We build to the bulletin's expectation of a documented AI Systems program: governance roles, a model inventory, risk-based controls across the model lifecycle, and third-party oversight. Each deployed model carries its intended use, validation evidence, and monitoring plan, so when a department of insurance asks for your AIS framework, the artifacts already exist.
Models that affect rating or eligibility are tested for disparate outcomes against the unfair-trade-practice and rating standards in the states you operate in, including specific regimes like Colorado's SB21-169. Inputs, outputs, and test results are logged to an append-only trail so you can demonstrate fair-use and rate justification on demand.
Bring your hardest model-risk or fair-use question. In thirty minutes we map how an AI system meets the NAIC Model Bulletin, your state DOI expectations, and unfair-discrimination standards — and leave you with a concrete path. Response inside 24 hours.
As an enterprise AI agency, eeko systems delivers production AI systems remote-first across the United States and internationally — including these markets: