# insurance.org.ai

> 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.

insurance.org.ai is a program of the Org.AI Foundation (foundation.org.ai). It
is the second program; the first is law.org.ai, which maps the same questions
for the practice of law and is the template for this one.

## Status

This page is a teaser, published early on purpose. The mapping has not begun.
Rules read: none yet. Reserved acts published: none yet. Clients served: no
one — nothing here is open. Nothing on this site sells, solicits or negotiates
insurance, and nothing here is insurance advice.

## The licensed act

Insurance licensing in the United States runs state by state. The state
insurance regulators' association maintains the Producer Licensing Model Act
(January 2005 codification); its Section 3 reads: "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." The Act defines the three verbs: "negotiate" is
conferring directly with, or offering advice directly to, a purchaser about
the substantive benefits, terms or conditions of a contract; "solicit" is
attempting to sell, or asking or urging a person to apply; "sell" is
exchanging a contract of insurance for money. The regulators' own account
records that each state historically set its own licensing requirements, that
a producer licensed in one state generally had to meet separate nonresident
requirements elsewhere, and that a national producer registry — incorporated
in October 1996, now the National Insurance Producer Registry — carries
license applications and renewals across states.

## The method (inherited from law.org.ai)

1. Read the rules from the regulator's own site — nothing cited that was not
   fetched.
2. Publish a short, versioned list of reserved acts that stay with the
   licensed human.
3. Design supervision so the machine is the licensed professional's
   instrument, with a log a regulator can read.
4. 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 in the open.

## Sources

Every factual claim above names a primary source actually fetched: the
Producer Licensing Model Act from content.naic.org (Section 3 and the
sell/solicit/negotiate definitions are quoted from it), the producer-licensing
topic page at content.naic.org, and nipr.com, where the registry describes
itself as a not-for-profit provider of licensing data and compliance services
for insurance professionals. Nothing else here is a factual claim about
insurance. When the mapping begins, every rule read will be listed with the
date it was read.

## Licence and use

Nothing on insurance.org.ai is generated at request time. This page and this
file are static, self-contained, and make zero external requests. Nothing
here is insurance advice, and no insurance is sold, solicited or negotiated
here.