NAIC

aid: naic
url: https://raw.githubusercontent.com/api-evangelist/naic/refs/heads/main/apis.yml
name: NAIC
kind: company
description: 'The National Association of Insurance Commissioners (NAIC) is the U.S. standard-setting and regulatory support
  organization created and governed by the chief insurance regulators of the 50 states, the District of Columbia and five
  territories. It is not a carrier and not a federal regulator - under the McCarran-Ferguson settlement the United States
  has no national insurance supervisor, so the NAIC is the coordinating body through which state-based regulation is made
  uniform. It writes the model laws, accounting practices and Annual Statement Blanks that every admitted insurer files against,
  operates the Financial Data Repository behind those filings, and runs the market infrastructure the industry actually transacts
  on: SERFF for electronic rate and form filing, State Based Systems (SBS) for producer and company licensing in roughly thirty
  jurisdictions, iSite+ and myNAIC for regulator analytics, OPTins for premium tax, and consumer-facing lookups such as the
  Consumer Information Source and the Life Insurance Policy Locator. Its lines of business span property and casualty, life
  and annuity, health, title and fraternal across the United States. Its API posture is partner-gated and closed: there is
  no developer portal at developer/developers/docs.naic.org (all NXDOMAIN), no documented self-serve API, and no downloadable
  OpenAPI anywhere on naic.org or serff.com. SERFF does operate real integration services - Legacy SPI (two-way PUSH/PULL),
  Legacy SIS (one-way PULL) and a Modernized Data API (one-way PULL), in PROD and BETA - but they are named only on a support
  checklist, provisioned by emailing wsrequest@naic.org, and fronted by Okta login walls. Bulk regulatory data is licensed
  by contract through idp@naic.org rather than served over an API. There is, however, one real and entirely undocumented public
  machine surface: content.naic.org runs Drupal 11 and serves a live, anonymously readable JSON:API v1.1 at /jsonapi, whose
  resource index enumerates 284 resource types and exposes the model law corpus with its MDL numbers, the state insurance
  department regulator directory, committees, insurance topics, publications, CIPR research and the newsroom. The NAIC also
  publishes a first-party llms.txt declaring AI usage preferences, attribution requirements and crawl limits - so its stated
  contract with automated consumers is more explicit than its contract with API developers.'
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Insurance
- United States
- Regulator
- Market Infrastructure
- Insurance Regulation
- Property and Casualty
- Life Insurance
- Health Insurance
- Producer Licensing
- Rate and Form Filing
- Regulatory Reporting
- Standards Body
- Model Laws
- Regulatory Data
- Open Data
created: '2026-07-25'
modified: '2026-07-25'
specificationVersion: '0.19'
apis:
- aid: naic:serff-web-services
  name: SERFF Web Services
  description: 'The NAIC-operated SERFF (System for Electronic Rates & Forms Filing) platform exposes machine integration
    services to filers, state regulators and filing vendors. The SERFF Technical Support Checklist published at serff.com
    names three services by name - Legacy SPI (two-way PUSH/PULL), Legacy SIS (one-way PULL), and a Modernized Data API (one-way
    PULL) - each available in PROD and BETA environments. There is NO public reference documentation, no OpenAPI or WSDL,
    and no self-serve signup: access is provisioned by request to wsrequest@naic.org and the service hosts are credential-gated
    (services.serff.com returned HTTP 403 anonymously; services-beta.serff.com returned HTTP 200 but serves only an NAIC/NIPR
    landing page). Recorded here as a real but partner-gated surface, not a public API.'
  humanURL: https://www.serff.com/
  baseURL: https://services.serff.com/
  tags:
  - Insurance
  - Rate and Form Filing
  - Regulatory Reporting
  - Partner Gated
  properties:
  - type: Documentation
    url: https://www.serff.com/
  - type: Documentation
    url: https://www.serff.com/documents/serff-services-support-checklist.pdf
  - type: Documentation
    url: https://www.serff.com/serff_modernization.htm
- aid: naic:content-jsonapi
  name: NAIC Content JSON:API
  description: 'A live, anonymously readable JSON:API v1.1 surface over the NAIC''s public regulatory content estate, served
    by Drupal 11 at content.naic.org/jsonapi. The NAIC neither documents nor advertises it - there is no developer portal,
    no reference and no published specification - but the entry point returns a machine-readable resource index enumerating
    284 resource types, and anonymous GET was verified against every content family on 2026-07-25. What it exposes is the
    NAIC''s own material: the model law corpus with its canonical MDL model numbers, the state insurance department regulator
    directory with terms of office and elected/appointed provenance, committees and task forces, insurance topics, publications,
    CIPR research, newsroom articles and the published PDF documents behind them. It supports the full JSON:API query grammar
    - sparse fieldsets, filtering, sorting, relationship inclusion and offset pagination capped at 50 - and returns JSON:API
    error objects rather than RFC 9457 problem details. Writes are closed: POST returns HTTP 401 "No authentication credentials
    provided." and no credentialing path is published. It carries the content estate only, NOT SERFF filings, the Financial
    Data Repository, SBS licensing or OPTins. Treat it as an unsupported but durable public read surface: no changelog, no
    deprecation policy, no status page, and an unversioned Drupal content model that can drift without notice. The OpenAPI
    in this repo is DERIVED by API Evangelist from the live resource index, not published by the NAIC.'
  humanURL: https://content.naic.org/
  baseURL: https://content.naic.org/jsonapi
  tags:
  - Insurance Regulation
  - Regulatory Data
  - Model Laws
  - JSON API
  - Open Data
  - Content API
  properties:
  - type: OpenAPI
    url: openapi/naic-content-jsonapi-openapi.yml
  - type: Examples
    url: examples/_index.yml
  - type: Documentation
    url: https://jsonapi.org/format/1.1/
common:
- type: AgenticAccess
  url: agentic-access/naic-agentic-access.yml
- type: DomainSecurity
  url: security/naic-domain-security.yml
- type: LLMsTxt
  url: llms/naic-llms.txt
- type: Authentication
  url: authentication/naic-authentication.yml
- type: Conventions
  url: conventions/naic-conventions.yml
- type: ErrorCatalog
  url: errors/naic-problem-types.yml
- type: Examples
  url: examples/_index.yml
- type: DataModel
  url: data-model/naic-data-model.yml
- type: Conformance
  url: conformance/naic-conformance.yml
- type: Lifecycle
  url: lifecycle/naic-lifecycle.yml
- type: MCPServer
  url: mcp/naic-mcp.yml
- type: AgentSkill
  url: skills/_index.yml
- type: Website
  url: https://content.naic.org/
- type: About
  url: https://content.naic.org/about
- type: Blog
  url: https://content.naic.org/newsroom
- type: Documentation
  url: https://content.naic.org/insurance-topics
- type: Publications
  url: https://content.naic.org/publications
- type: Portal
  url: https://www.serff.com/
- type: Portal
  url: https://sbs.naic.org/
- type: Portal
  url: https://isiteplus.naic.org/iSiteUI/faces/pages/Home.xhtml
- type: Portal
  url: https://insdata.naic.org/
- type: Documentation
  url: https://content.naic.org/insurance-topics/financial-data-repository
- type: Documentation
  url: https://content.naic.org/cis_consumer_information.htm
- type: Documentation
  url: https://content.naic.org/sites/default/files/naic-technology-services-products-catalog.pdf
- type: Support
  url: https://content.naic.org/contact
- type: HelpCenter
  url: https://content.naic.org/help
- type: TermsOfService
  url: https://content.naic.org/application/terms-conditions
- type: PrivacyPolicy
  url: https://content.naic.org/privacy_statement.htm
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com