Bulletin of March 18, 2025: The Use of Artificial Intelligence Systems in Insurance (Wisconsin adoption of the NAIC Model Bulletin)

Summary

The state insurance regulator has issued a bulletin, based on the NAIC Model Bulletin on the Use of AI Systems by Insurers, reminding insurers that decisions affecting consumers that are made or supported by AI systems must comply with existing insurance law, including unfair trade practice and unfair discrimination law. Wisconsin's Office of the Commissioner of Insurance issued the bulletin on March 18, 2025, to all insurers and interested parties. It sets OCI's expectations for how insurers govern the development, acquisition and use of AI systems and describes the information OCI may request during an investigation or examination. This record covers that sectoral guidance; whether the state has a general AI statute was not re-read in this check.

Key dates

1. March 18, 2025 (date of issue)Takes effect
2. October 16, 2026Checked against sources
3. October 21, 2026Checked against sources

Developments are added when the record is reviewed. Next review: January 15, 2027.

Evidence

Each passage is quoted from its source. The quoted passages are re-checked against the live pages every month.

1. DATE: March 18, 2025 TO: All Insurers and Interested Parties FROM: Nathan Houdek, Commissioner of Insurance SUBJECT: The Use of Artificial Intelligence Systems in Insurance

   Supports: Date, issuer and subject

   Bulletin: The Use of Artificial Intelligence Systems in Insurance (March 18, 2025) Wisconsin Office of the Commissioner of Insurance Primary source

2. In March, the Wisconsin Office of the Commissioner of Insurance (WI OCI) became the latest state to adopt the NAIC Model Bulletin without material change.

   Supports: Adoption of the NAIC model without material change

   Nearly Half of States Have Now Adopted NAIC Model Bulletin on Insurers' Use of AI Quarles & Brady Reporting or analysis