The CIPR conducts in-depth research on insurance issues to provide useful information to state regulators, policyholders, consumer advocates, industry members and other state, federal and international policymakers. This page provides access to studies, special reports, and articles on a wide range of insurance regulatory topics and concerns. Occasionally, this page will include documents from non-NAIC sources posted with the author's permission. These are provided for informational use only and their inclusion does not represent NAIC endorsement of the positions and/or facts presented by them.
Click here for an Index of available White Papers from the NAIC Store.
Rising Health Care Costs: Drivers, Challenges and Solutions
NAIC, Center for Insurance Policy and Research
December 2018
Flood Risk and Insurance
NAIC, Center for Insurance Policy and Research
April 2017
Private-Label Mortgage Securitization Market Challenges and the Implications for Insurers and Insurance Regulation
NAIC, Center for Insurance Policy and Research
December 2016
The State of Long-Term Care Insurance: The Market, Challenges and Future Innovations
NAIC, Center for Insurance Policy and Research
May 2016
None currently upcoming.
Usage-Based Insurance and Vehicle Telematics: Insurance Market and Regulatory Implications
NAIC, Center for Insurance Policy and Research
March 2015
CIPR Study on the State of the Life Insurance Industry: Implications of Industry Trends
NAIC, Center for Insurance Policy and Research
August 2013
Financing Home Ownership: Origins and Evolution of Mortgage Securitization, Public Policy,
Financial Innovations and Crises
NAIC, Center for Insurance Policy and Research
August 2012
Distinguished Scholar Study: Solvency II Calibration
Thomas Herzog, Ph.D., Distinguished Scholar
NAIC, Center for Insurance Policy and Research
Systemic Risk and the U.S. Insurance Sector
Mary A. Weiss, Ph.D., Distinguished Scholar
NAIC, Center for Insurance Policy and Research
The Economic Crisis and Lessons from (and for) U.S. Insurance Regulation
Therese M. Vaughan, Ph.D.
JIR Articles do not necessarily reflect the opinion of the NAIC or its Members.
Preservation of State-Based Insurance Regulation: An Ongoing Challenge in the U.S. and the European Union
Robert W. Cooper., Ph.D.
JIR Articles do not necessarily reflect the opinion of the NAIC or its Members.
The Financial Crisis, Systemic Risk, and the Future of Insurance Regulation
Scott E. Harrington, Ph.D.
(Posted with permission from the National Association of Mutual Insurance Companies)
Future of Business Disciplines, Regulation and Oversight of the U.S. Insurance Marketplace
Mark Boozell
(Posted with permission from the Professional Insurance Agents Insurance Foundation)
History of State Insurance Regulation
NAIC