Insurance AI · NAIC Examination Readiness
CB Financial filed the first SEC 8-K for Shadow AI — May 2026. Read the brief →

When a regulator asks about
a decision from six months ago —
what do you send them?

PolicyProof generates the complete evidence package for any AI-assisted insurance decision — which compliance policy version was active, who reviewed it, what the AI recommended, and tamper-evident proof it hasn't been altered. From days of manual reconstruction to minutes.

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39%
of insurers cite AI governance as top deployment blocker
6 wks
average AI workflow duration — policy can change 3× in that window
0
tools built specifically for NAIC Exhibit B decision-level evidence
The audit question nobody can answer
"Show me the evidence for claim #84721 — which policy governed it, who reviewed it, and what the AI recommended."
That question lands on compliance teams during NAIC examinations, internal audits, and plaintiff discovery. Most carriers spend days pulling logs, calling engineers, and assembling a narrative. PolicyProof generates a complete, tamper-evident evidence package in minutes — no engineering team required.
How it works
Three engines.
One audit trail.
01 / DETECT
⟆
Mutation detector
Every time your compliance policy changes, PolicyProof detects it, versions it, timestamps it, and shows you exactly what constraint mutated — line by line. Like Git version control for your compliance rules.
02 / VERIFY
✓
Verification engine
AI systems don't tag policy versions — PolicyProof does it externally. Every decision is timestamped against the active policy at that exact moment. No changes to your AI required. Stale drift flagged instantly.
03 / PROVE
⬡
Audit report generator
One click generates a complete evidence package: decision details, active policy version, reviewer identity, AI recommendation, override reason, and SHA-256 tamper-evident proof. Hand it to an examiner, auditor, or lawyer in minutes — not days.
The problem
AI workflows run for weeks.
Policies change.
Nobody knows.
01An underwriting AI runs a 6-week workflow. Policy updates in week 3. The AI keeps enforcing week-1 rules for the remaining 3 weeks.
02Regulator asks: "which version was active for claims reviewed in March?" Your team spends 3 days reconstructing logs. Manually.
03Nobody can prove the AI got the memo when a state regulation changed. The compliance team has no way to verify without reviewing every output.
04Engineers get pulled off the roadmap every time there's an audit. Days of work to answer questions that should take seconds.
PolicyProof audit trail — example output
UW-2026-0441 · Jan 15compliant
UW-2026-0442 · Feb 03compliant
UW-2026-0443 · Apr 10stale drift ⚠
Policy used: Q1 2026 rulesactive: Q2 2026
CLM-2026-0101 · Mar 22compliant
CLM-2026-0102 · Apr 18stale drift ⚠

Report generated: May 20, 2026 · PolicyProof v1
Compliance rate: 67% · 2 decisions flagged for review
REGULATOR ANSWER — INSTANT
"Q1 2026 Underwriting Rules were active from Jan 1 to Mar 31. Q2 2026 rules became effective Apr 1. 2 decisions made after Apr 1 used the prior version — both have been flagged and queued for review."
Who it's for
Built for the people
who own the risk.
Chief Compliance Officer
Finally answerable in an exam
"We can't deploy AI in production without being able to prove, at any point in time, what rules it was following. That's not a technical problem — it's a governance problem."
VP Underwriting / Claims Ops
Stop pulling engineers for audits
"Every state examination costs us 3–5 engineering days just reconstructing what our AI did and when. PolicyProof turns that into a one-click report."
General Counsel / Legal
Liability that's actually traceable
"If a decision goes wrong and we can't show what policy governed it, we have no defense. Audit lineage isn't a nice-to-have — it's the whole game in a dispute."
Regulatory context
Regulators are already asking.
Most insurers can't answer.
NAIC Model Bulletin
US state regulators now require documentation of AI model governance, including how policy changes are reflected in deployed systems.
DORA (EU)
Digital Operational Resilience Act requires EU insurers to maintain full audit trails for automated decision systems — including version history.
Solvency II
Risk management frameworks require demonstrable control over AI systems used in underwriting and claims — including constraint documentation.
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NAIC AI Governance Readiness Checklist

10 questions every insurance compliance team should be able to answer for the NAIC AI Systems Evaluation Tool — now live in 12 states. How many can you answer today?

Maps to all 4 NAIC Exhibits 12 pilot states active now Nationwide Nov 2026
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Early access
Add the governance layer
your AI never had.

AI systems weren't designed to tag policy versions. We add that layer externally — no changes to your AI, no rebuilding workflows. Working with a small group of insurance compliance teams. If your AI touches regulated decisions, we want to talk.

No pitch deck. 20-minute conversation. We'll show you the product.