Runtime governance tuned to the filings your regulators actually read — NAIC, Solvency II, BCAR, IFRS 17. The most mature vertical in the Wayfinder program.
The frameworks below are not hypothetical. Each is a live deadline or an already-active enforcement surface. Countdowns are computed fresh on every page load and tick every thirty seconds client-side.
High-risk AI — including insurance pricing, claims, and underwriting systems — must ship with documented risk management, human oversight, and regulator-readable audit trails.
Non-compliant deployments face suspension and fines up to 7% of global turnover.
AI used in consumer-facing decisions — including insurance underwriting, pricing, and claims — must meet documented governance, impact-assessment, and disclosure obligations enforced by the Texas Attorney General.
Texas joins Colorado as the second comprehensive U.S. state AI law. Penalties are tiered and per-violation.
Member states must transpose the amended Solvency II framework into national law — with the new internal-model governance, ORSA, and validation evidence in force from this date.
Internal-model carriers operating across multiple EU jurisdictions must demonstrate consistent governance evidence to every national supervisor.
Financial entities, including insurers and reinsurers, must implement an ICT risk management framework, conduct resilience testing, and govern third-party ICT providers — with mandatory incident reporting.
ESAs now have direct supervisory powers over critical ICT providers. Governance evidence is examinable.
Life insurers using external consumer data or algorithms must maintain a governance framework, test for unfair discrimination, and produce on-demand evidence to the DOI.
First state-level algorithmic accountability rule in insurance. More states are modeling their bulletins on it.
A written AIS program governing the entire lifecycle of AI used in underwriting, rating, claims, and fraud — with board-level oversight and vendor-management evidence.
Adopted or proposed in 20+ U.S. states. State DOIs are now asking for evidence on examination.
Insurers using AI or external consumer data sources in underwriting must demonstrate unfair-discrimination testing, governance, and transparency to the regulator.
NY sets precedent for other large-market states. Evidence-grade audit trail is expected.
Carriers must document AI governance, vendor controls, and unfair-discrimination testing for consumer-facing models — examined annually.
First U.S. state insurance bulletin specifically targeting big-data and AI; template for other states.
Amended framework tightens governance of internal models and ORSA, including model-change notification and independent validation evidence.
Adopted by EU Council. Transposition into national law is now running; internal-model carriers should treat this as live.
Supervisory expectations across IAIS members for AI governance, accountability, fairness, robustness, transparency, and explainability — applicable to underwriting, pricing, claims, and reserving.
175+ member jurisdictions. Cross-border insurers face multi-supervisor convergence on AI evidence.
Bermuda-domiciled (re)insurers using AI must demonstrate board-level governance, fairness testing, model risk management, and ongoing monitoring — with documentation available on examination.
Bermuda is the largest reinsurance domicile globally. ILS sponsors and reinsurers carry the BMA expectations into every cedant relationship.
Final phase of the 2023 amendments — encryption of nonpublic information, asset inventory, and access-control review — must be in place across all NY-licensed financial entities including insurers and CRE lenders.
NY DFS examiners now expect operational evidence on first request, with no remediation grace period.
Full conformity obligations for high-risk AI in embedded products — including those covered by sector-specific safety legislation — take effect.
Captures the long tail of embedded AI in financial-services infrastructure that was grandfathered through 2026.
Reserve and disclosure framework requiring current-measurement, risk-adjusted, and audit-evidenced insurance contract accounting.
Global standard. Reserving models must produce evidence compatible with the disclosure schedule.
Voluntary framework — Govern, Map, Measure, Manage — referenced by NAIC, federal agencies, and state regulators as the de facto baseline for AI risk evidence.
Treated as the floor of expectation across U.S. financial-services AI examinations.
Five stages and the evidence artifact. Isometric DFD-0.
Formal safety models, ODD, assurance cases, reviewer briefs.
How we are set up and why the trust structure matters.
Direct line to the inventor. No demo, no deck.
Fifteen minutes. Architecture, not sales. On the regulatory surface you already know.
