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| National Conference of Insurance Legislators | |
|---|---|
| Name | National Conference of Insurance Legislators |
| Abbreviation | NCOIL |
| Formation | 1969 |
| Type | Nonprofit organization |
| Headquarters | Princeton, New Jersey |
| Region served | United States |
| Membership | State legislators |
| Leader title | President |
National Conference of Insurance Legislators is an American association of state and territorial legislators focused on insurance policy, regulatory coordination, and model law development. Founded in 1969 amid regulatory debates involving New York (state), New Jersey, Pennsylvania, Ohio (state), and Massachusetts, the organization has engaged lawmakers from across the United States, including representatives from California, Texas, Florida, Illinois (state), and Georgia (U.S. state). Over its history, the organization has interacted with federal entities such as the National Association of Insurance Commissioners, the United States Department of the Treasury, the United States Congress, the U.S. Senate, and the U.S. House of Representatives while also consulting with industry groups like the American Council of Life Insurers, the Property Casualty Insurers Association of America, and the Consumer Federation of America.
The organization traces roots to interstate coordination efforts during the late 1960s, when legislators from New York (state), New Jersey, Connecticut, Massachusetts, and Pennsylvania met to address disputes arising from cases such as Tafflin v. Levitt and state statutory reforms debated alongside activity in the Lloyd's of London market and issues related to Aetna (company). Early conferences attracted figures from legislatures in Ohio (state), Illinois (state), Michigan, Indiana (U.S. state), and Wisconsin, and engaged with legal scholarship from institutions like Yale Law School, Harvard Law School, and Columbia Law School. During the 1970s and 1980s the group expanded its influence responding to crises that involved insurers such as Mutual of Omaha, Allstate, State Farm, and regulatory frameworks influenced by rulings in cases like Erie Railroad Co. v. Tompkins and statutes debated in the New York State Assembly. In the 1990s and 2000s the organization navigated transformations linked to Gramm–Leach–Bliley Act, the growth of Health Maintenance Organization markets exemplified by companies like Kaiser Permanente, and litigation involving AIG and Zurich Insurance Group.
Governance features elected leadership drawn from state legislatures including positions analogous to presidents, vice presidents, and treasurers elected by delegates from states such as California, Texas, New York (state), Florida, and Pennsylvania. Committees reflect subject-matter areas intersecting with institutions like the National Association of Insurance Commissioners, the Department of Health and Human Services, the Centers for Medicare & Medicaid Services, and the Securities and Exchange Commission, and coordinate with legal advisors from firms that have represented clients like Marsh & McLennan Companies, Willis Towers Watson, and Berkshire Hathaway. Corporate governance draws on nonprofit principles also seen at organizations such as the National Conference of State Legislatures, Council of State Governments, and American Legislative Exchange Council.
Membership comprises elected legislators from states, territories, and commonwealths, including representatives from Puerto Rico, Guam, U.S. Virgin Islands, American Samoa, and Northern Mariana Islands, alongside mainland delegations from Alabama, Alaska, Arizona, Arkansas, and Colorado (state). Eligible members typically serve on insurance, financial services, or judiciary committees within bodies like the California State Legislature, the Texas Legislature, the New York State Senate, and the Illinois General Assembly, and membership procedures mirror those found in associations such as the National Governors Association and the National Conference of State Legislatures.
A core function is drafting model acts and recommended policies that state legislatures may consider, paralleling efforts by the National Association of Insurance Commissioners and analogous to model codes from the Uniform Law Commission and the American Bar Association. Topic areas have included property-casualty reforms influenced by cases like Cavazos v. Smith, life insurance issues involving MetLife, health insurance reforms intersecting with Affordable Care Act, and financial solvency standards resonant with debates around Solvency II in the European Union. Model laws produced have addressed topics also overseen by entities such as the Federal Insurance Office, the Internal Revenue Service, and the Department of Labor.
The organization provides testimony, model legislation, and policy analysis to state legislatures and has engaged with committees in the U.S. House Committee on Financial Services, the U.S. Senate Committee on Banking, Housing, and Urban Affairs, and state assemblies including the New Jersey Legislature and the California State Assembly. Its influence is evident in adoption of model acts by bodies like the Arizona Legislature, Georgia General Assembly, Ohio General Assembly, and North Carolina General Assembly, and in interactions with industry stakeholders including Prudential Financial, The Hartford, Cigna, UnitedHealth Group, and advocacy groups such as AARP and Consumer Reports.
Annual and interim meetings convene delegates in venues across the United States, including past locations such as Princeton, New Jersey, Washington, D.C., Chicago, Los Angeles, and Orlando, Florida, and attract speakers from organizations like the Federal Reserve Board, the Securities and Exchange Commission, the Department of Justice, and academic centers including Brookings Institution, American Enterprise Institute, and Urban Institute. Sessions have featured panels involving executives from AIG, Allstate, State Farm, academics from Harvard University, Stanford University, Yale University, and regulators from the National Association of Insurance Commissioners.
Critics have raised concerns paralleling controversies faced by groups such as the American Legislative Exchange Council about industry influence, citing participation by representatives of firms like Marsh & McLennan Companies, Willis Towers Watson, KPMG, and Deloitte; transparency debates have involved watchdogs including Public Citizen, Consumer Federation of America, and media outlets such as The New York Times, The Wall Street Journal, and Los Angeles Times. Allegations have focused on conflicts of interest resembling disputes in cases involving Lobbying Disclosure Act issues, campaign finance scrutiny similar to matters before the Federal Election Commission, and calls for reform from state ethics commissions and advocacy groups like Common Cause and Transparency International.