Exam pack · NAIC AI Risk Evaluation Supplement v6.0 (exposure draft, 16 Oct 2026); v7.0 pending adoption vote, Fall National Meeting
Bluebonnet Mutual Insurance Company (fictional)
NAIC code DEMO-10101 · period 2026-07-02 to 2026-10-31 · all states · built 2026-10-30 11:45
- Pack identifier
- pack_e4072ef8b88d
- Pack hash (on ledger #1375)
- c56fad6b39de203033bd60e843014f878c2cefc5e1ac9c22ef9f6c754297a454
- Engine
- regbench-engine/0.4.0 · rules 2026.10+dbe5ddf6 · corpus 2026-10-30-5f07c521
- Totals
- 577 assessments · 547 case files · 4 high-risk models
- Confidentiality
- Produced for the requesting state's examination or inquiry; to be held confidential under that state's authority. The carrier may assert trade-secret protection over model documentation it attaches.
Exhibit D: AI Model Data
Line of business: auto · models: agent-assist, claims-fastpath, fnol-fraud, price-opt, uw-triage
| Ref | (1) Type of data element used in AI model | (2) How the model uses this data | (3) Internal data source | (4) Third-party data source / vendor name | Models |
|---|---|---|---|---|---|
| 1 | Aerial Imagery | Decision input at inference (output use); training/testing use per the carrier's model documentation. | yes | uw-triage | |
| 2 | Age, Gender, Ethnicity/Race | ||||
| 3 | Consumer or Other Type of Insurance/Risk Score | Decision input at inference (output use); training/testing use per the carrier's model documentation. | yes | price-opt, uw-triage | |
| 4 | Crime Statistics | ||||
| 5 | Criminal Convictions (Exclude Auto-Related Convictions) | ||||
| 6 | Driving Behavior | Decision input at inference (output use); training/testing use per the carrier's model documentation. | yes | price-opt | |
| 7 | Education Level (Including school aptitude scores, etc.) | ||||
| 8 | Facial or Body Detection / Recognition / Analysis | ||||
| 9 | Geocoding (including address, city, county, state, ZIP code, lat/long, MSA/CSA, etc.) | Decision input at inference (output use); training/testing use per the carrier's model documentation. | yes | Sentinel Analytics (fictional) | fnol-fraud, price-opt, uw-triage |
| 10 | Geo-Demographics (including ZIP/county-based demographic characteristics) | ||||
| 11 | Household Composition | ||||
| 12 | Image/video Analysis | Decision input at inference (output use); training/testing use per the carrier's model documentation. | yes | uw-triage | |
| 13 | Income | ||||
| 14 | Job History | ||||
| 15 | Loss Experience | Decision input at inference (output use); training/testing use per the carrier's model documentation. | yes | Sentinel Analytics (fictional) | claims-fastpath, fnol-fraud, price-opt, uw-triage |
| 16 | Medical, including Biometrics, genetic information, pre-existing conditions, diagnostic data, etc. | ||||
| 17 | Natural Catastrophe Hazard (Fire, Wind, Hail, Earthquake, Severe Convective Storms) | ||||
| 18 | Online social media, including characteristics for targeted advertising | Decision input at inference (output use); training/testing use per the carrier's model documentation. | Sentinel Analytics (fictional) | fnol-fraud | |
| 19 | Personal Financial Information | Decision input at inference (output use); training/testing use per the carrier's model documentation. | yes | price-opt, uw-triage | |
| 20 | Reasonable Accommodations or Policy Modifications (granted or requested) | ||||
| 21 | Telematics/Usage-based insurance | Decision input at inference (output use); training/testing use per the carrier's model documentation. | yes | price-opt | |
| 22 | Vehicle-Specific Data including VIN characteristics | Decision input at inference (output use); training/testing use per the carrier's model documentation. | yes | price-opt | |
| 23 | Voice Analysis | ||||
| 24 | Weather | ||||
| 25 | Other: Non-Traditional Data Elements (Regulator to specify) | Decision input at inference (output use); training/testing use per the carrier's model documentation. | yes | claims-fastpath, uw-triage |
Line of business: home · models: claims-fastpath, fnol-fraud, uw-triage
| Ref | (1) Type of data element used in AI model | (2) How the model uses this data | (3) Internal data source | (4) Third-party data source / vendor name | Models |
|---|---|---|---|---|---|
| 1 | Aerial Imagery | Decision input at inference (output use); training/testing use per the carrier's model documentation. | yes | uw-triage | |
| 2 | Age, Gender, Ethnicity/Race | ||||
| 3 | Consumer or Other Type of Insurance/Risk Score | Decision input at inference (output use); training/testing use per the carrier's model documentation. | yes | uw-triage | |
| 4 | Crime Statistics | ||||
| 5 | Criminal Convictions (Exclude Auto-Related Convictions) | ||||
| 6 | Driving Behavior | ||||
| 7 | Education Level (Including school aptitude scores, etc.) | ||||
| 8 | Facial or Body Detection / Recognition / Analysis | ||||
| 9 | Geocoding (including address, city, county, state, ZIP code, lat/long, MSA/CSA, etc.) | Decision input at inference (output use); training/testing use per the carrier's model documentation. | yes | Sentinel Analytics (fictional) | fnol-fraud, uw-triage |
| 10 | Geo-Demographics (including ZIP/county-based demographic characteristics) | ||||
| 11 | Household Composition | ||||
| 12 | Image/video Analysis | Decision input at inference (output use); training/testing use per the carrier's model documentation. | yes | uw-triage | |
| 13 | Income | ||||
| 14 | Job History | ||||
| 15 | Loss Experience | Decision input at inference (output use); training/testing use per the carrier's model documentation. | yes | Sentinel Analytics (fictional) | claims-fastpath, fnol-fraud, uw-triage |
| 16 | Medical, including Biometrics, genetic information, pre-existing conditions, diagnostic data, etc. | ||||
| 17 | Natural Catastrophe Hazard (Fire, Wind, Hail, Earthquake, Severe Convective Storms) | ||||
| 18 | Online social media, including characteristics for targeted advertising | Decision input at inference (output use); training/testing use per the carrier's model documentation. | Sentinel Analytics (fictional) | fnol-fraud | |
| 19 | Personal Financial Information | Decision input at inference (output use); training/testing use per the carrier's model documentation. | yes | uw-triage | |
| 20 | Reasonable Accommodations or Policy Modifications (granted or requested) | ||||
| 21 | Telematics/Usage-based insurance | ||||
| 22 | Vehicle-Specific Data including VIN characteristics | ||||
| 23 | Voice Analysis | ||||
| 24 | Weather | ||||
| 25 | Other: Non-Traditional Data Elements (Regulator to specify) | Decision input at inference (output use); training/testing use per the carrier's model documentation. | yes | claims-fastpath, uw-triage |
Data dictionary: available on request from the carrier; RegBench records feature classes, never raw values.
