insurance.org.ai · an Org.AI Foundation program
Insurance is the second industry we are writing down:
which acts are reserved to licensed humans, and which acts a licensed professional may supervise a machine in doing.
- Rules read
- None yet — the mapping has not begunWhen we read a rule against this program, it will be fetched from the regulator's own site and listed under "Where it comes from," with the date we read it. We have not started. The count is zero, and we would rather say zero than pad it.
- Reserved acts published
- None yetThe first program, law.org.ai, publishes a short list of acts that stay with a licensed lawyer in every design it will ever propose. Insurance will get the same kind of list. It has not been written, so nothing is claimed.
- Clients served
- No one. Nothing here is open.This page announces a mapping, not a service. Nothing on this site sells, solicits or negotiates insurance, and nothing here is insurance advice.
The licensed act
To sell, solicit or negotiate insurance, a person needs a license — and licensing runs state by state.
The rule is written down, and it is short.
The state insurance regulators' own association keeps a model law for it, the Producer Licensing Model Act. Section 3 is one sentence: "A person shall not sell, solicit or negotiate insurance in this state for any class or classes of insurance unless the person is licensed for that line of authority in accordance with this Act." Each verb is defined. "Negotiate" means conferring directly with, or offering advice directly to, a purchaser about the substantive benefits, terms or conditions of a contract. "Solicit" means attempting to sell, or asking or urging a person to apply. "Sell" means to exchange a contract of insurance for money.
And the licensing is genuinely state by state: the association's own account records that each state historically set its own requirements, and that a producer licensed in one state generally had to meet the separate nonresident requirements of every other state where they worked. The burden was real enough that the regulators built shared infrastructure for it — a national producer registry, incorporated in 1996, that now carries license applications and renewals across states.
A law that names the acts needing a licensed human is exactly the raw material for our question: which of the work around those acts may a licensed professional supervise a machine in doing? That is the mapping, and it has not begun.
The method
The first program wrote the method. The second inherits it unchanged.
law.org.ai is the first program of the Org.AI Foundation, and it is the template.
It works like this. Read the rules from the regulator's own site — nothing cited that was not fetched. Publish a short list of reserved acts that stay with the licensed human. Design the supervision so the machine is the professional's instrument, with a log a regulator can read. And publish the map before doing anything, so the people who regulate the field can read it first.
Insurance gets the same treatment, in the same order: the state insurance codes read one by one, a reserved-acts list for insurance, then a supervision design — all of it in the open.
The finished shape is already visible, in law: law.org.ai. This page will grow the same way that one did.
Where it comes from
Every factual claim on this page names a primary source we actually fetched. So far the list is three items long.
The list, in one paragraph.
The Producer Licensing Model Act (the January 2005 codification), fetched from content.naic.org — Section 3's license requirement and the definitions of "sell," "solicit" and "negotiate" are quoted from it. The same association's topic page on producer licensing, which records that each state historically set its own licensing requirements and that the national producer registry was incorporated in October 1996. And nipr.com, where that registry describes itself as a not-for-profit provider of licensing data and compliance services for insurance professionals. Nothing else on this page is a factual claim about insurance.
When the mapping begins, every rule we read will be added here, with the date we read it. Until then, this list stays short and true.