Domestic and Foreign Insurers Bulletin No. 148: The Use of Artificial Intelligence Systems in Insurance (NAIC Model Bulletin adopted by the Delaware Department of Insurance)

Summary

The Delaware Department of Insurance issued Domestic and Foreign Insurers Bulletin No. 148 on February 5, 2025, its version of the NAIC Model Bulletin on insurers' use of AI. It reminds insurers authorized in Delaware that decisions affecting consumers that are made or supported by AI systems must comply with existing insurance law, including the rules on unfair trade practices and unfair discrimination. It sets the regulator's expectations for a written AI systems program (governance, risk management, internal controls and oversight of third-party AI vendors) and describes the information the regulator may request in an investigation or market conduct examination. This record covers the bulletin only; it is regulatory guidance, not a statute.

Key dates

1. February 5, 2025Takes 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. DOMESTIC AND FOREIGN BULLETIN NO. 148 RE: ALL INSURANCE CARRIERS DOING BUSINESS IN DELAWARE DATED: THE USE OF ARTIFICIAL INTELLIGENCE SYSTEMS IN INSURANCE February 5, 2025

   Supports: Bulletin number, subject, date, addressees

   Domestic and Foreign Bulletin No. 148: The Use of Artificial Intelligence Systems in Insurance Delaware Department of Insurance Primary source