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It outlines the history and purpose of risk assessment, the risk-focused surveillance process and cycle, and the examination process, including confidentiality and links to the market conduct surveillance system. The handbook also covers examiner classifications, scheduling and coordination across states and holding company groups, reliance on other states’ workpapers, and roles, authorities, and personnel guidelines.",{"@graph":69,"@context":122},[70,84,105],{"@type":71,"itemListElement":72},"BreadcrumbList",[73,77,79,82],{"item":74,"name":75,"@type":76,"position":8},"https://docshare.wps.com","Home","ListItem",{"item":78,"name":9,"@type":76,"position":14},"https://docshare.wps.com/document/",{"item":80,"name":20,"@type":76,"position":81},"https://docshare.wps.com/document/exam/",3,{"item":83,"name":65,"@type":76,"position":19},"https://docshare.wps.com/document/financial-condition-examiners-handbook-2026/460506/",{"url":83,"name":65,"@type":85,"image":86,"author":91,"headline":65,"publisher":94,"fileFormat":97,"inLanguage":63,"description":67,"dateModified":98,"datePublished":99,"encodingFormat":97,"isAccessibleForFree":100,"interactionStatistic":101},"DigitalDocument",{"url":87,"@type":88,"width":89,"height":90},"https://docshare.wps.com/thumbnails/financial-condition-examiners-handbook-2026/460506.png","ImageObject",300,407,{"name":92,"@type":93},"Muffet","Person",{"url":74,"name":95,"@type":96},"DocShare","Organization","application/pdf","2026-10-23","2026-09-30",true,{"@type":102,"interactionType":103,"userInteractionCount":81},"InteractionCounter",{"@type":104},"ViewAction",{"@type":106,"mainEntity":107},"FAQPage",[108,114,118],{"name":109,"@type":110,"acceptedAnswer":111},"What is the main purpose of the risk-focused examination content in the handbook?","Question",{"text":112,"@type":113},"It explains the purpose of risk-focused examinations and describes how risk assessment is conducted through the risk-focused surveillance process and cycle.","Answer",{"name":115,"@type":110,"acceptedAnswer":116},"How does the handbook connect confidentiality to the examination and surveillance process?",{"text":117,"@type":113},"It includes a dedicated section on confidentiality, describing how sensitive examination-related information should be handled within the process.",{"name":119,"@type":110,"acceptedAnswer":120},"What guidance does the handbook provide for scheduling and coordinating examinations?",{"text":121,"@type":113},"It sets out general procedures for scheduling, and addresses coordination across multi-state insurers and holding company group exams, including reliance on another state’s workpapers.","https://schema.org",{"og:url":83,"og:type":124,"og:title":65,"og:site_name":95,"og:description":67},"article",{"robots":126,"canonical":83},"index,follow",{"doc_id":128,"site_id":62},460506,1792222155,{"code":4,"msg":5,"data":131},{"doc_id":128,"user_id":132,"nickname":92,"user_avatar":133,"doc_module":4,"category_id":19,"category_name":20,"doc_title":65,"doc_description":67,"doc_content":134,"file_id":135,"file_url":136,"file_type":137,"file_size":138,"view_count":81,"is_deleted":4,"is_public":8,"is_downloadable":8,"audit_status":8,"page_count":139,"language":140,"language_code":63,"site_id":62,"html_lang":63,"table_of_contents":141,"faqs":142,"seo_title":143,"seo_description":67,"update_tm":144,"read_time":145},962090768927,"https://ap-avatar.wpscdn.com/davatar_085a072bc5b1113ac321206ff7593b45","Financial Condition  \nExaminers Handbook  \n2026  \nThe NAICis the authoritative source for insurance industry information. Our expert solutions support the efforts of regulators, insurers and researchers by providing detailed and comprehensive insurance information.  \nThe NAIC offers a wide range of publications in the following categories:  \nAccounting & Reporting  \nInformation about statutory accounting principles and the procedures necessary for filing financial annual statementsand conducting risk-based capital calculations.  \nConsumer Information  \nImportant answers to common questions about auto, home, health and life insurance—as well as buyer’s guides on annuities, long-term care insurance and Medicare supplement plans.  \nFinancial Regulation  \nUseful handbooks, compliance guides and reports on financial analysis, company licensing, state audit requirements and receiverships.  \nLegal  \nComprehensive collection of NAIC model laws, regulations and guidelines; state laws on insurance topics; and other regulatory guidance on anti-fraud and consumer privacy.  \nMarket Regulation  \nRegulatory and industry guidance on market-related issues, including anti-fraud, product filing requirements, producer licensing and market analysis.  \nWhite Papers  \nRelevant studies, guidance and NAIC policy positions on a variety of insurance topics.  \nSpecial Studies  \nStudies, reports, handbooks and regulatory research conducted by NAIC members on a variety of insurancerelated topics.  \nStatistical Reports  \nValuable and in-demand insurance industry-wide statistical data for various lines of business, including auto, home, health and life insurance.  \nSupplementary Products  \nGuidance manuals, handbooks, surveys and research on a wide variety of issues.  \nCapital Markets & Investment Analysis  \nInformation regarding portfolio values and procedures for complying with NAIC reporting requirements.  \nNAIC Activities  \nNAIC member directories, in-depth reporting of state regulatory activities and official historical records of NAIC national meetings and other activities.  \nFor information about NAIC publications, visit us at: [https://content.naic.org/publications](https://content.naic.org/publications)  \n© 1999-2026 National Association of Insurance Commissioners All rights reserved. Reprinting or distributing this material is prohibited without written permission from the NAIC.  \nISBN: 978-1-64179-527-2  \nNAIC Executive Office  \n1101 K Street, N.W. Suite 650  \nWashington, DC 20005 202.471.3990  \nNAIC Central Office  \n1100 Walnut Street Suite 1000  \nKansas City, MO 64106 816.842.3600  \nNAIC Capital Markets  \n& Investment Analysis Office  \nOne New York Plaza Suite 4210  \nNew York, NY 10004 212.398.9000  \nTABLE OF CONTENTS  \nPREAMBLE ..................................................................................................................................................... 8  \nINTRODUCTION  \nA. HISTORY OF RISK ASSESSMENT AND PROCESS OF CONDUCTING EXAMINATIONS .........................................10  \nB. OVERVIEW OF RISK-FOCUSED SURVEILLANCE PROCESS ........................................................................11  \nC. RISK-FOCUSED SURVEILLANCE CYCLE ...............................................................................................12  \nD. PURPOSE OF RISK-FOCUSED EXAMINATIONS .......................................................................................14  \nE. RISK-FOCUSED EXAMINATION PROCESS .............................................................................................15  \nF. APPLICATION OF THE RISK-FOCUSED SURVEILLANCE CYCLE ...................................................................18  \nG. CONFIDENTIALITY ..........................................................................................................................18  \nH. RELATIONSHIP TO THE MARKET CONDUCT SURVEILLANCE SYSTEM ...........................................................19  \nI. UPDATING THE HANDBOOK ..........","cbCaijgcliOKlOpd","https://ap.wps.com/l/cbCaijgcliOKlOpd","pdf",9236798,661,"English","# Preamble\n# Introduction\n## A. History of Risk Assessment and Process of Conducting Examinations\n## B. Overview of Risk-Focused Surveillance Process\n## C. Risk-Focused Surveillance Cycle\n## D. Purpose of Risk-Focused Examinations\n## E. Risk-Focused Examination Process\n## F. Application of the Risk-Focused Surveillance Cycle\n## G. Confidentiality\n## H. Relationship to the Market Conduct Surveillance System\n## I. Updating the Handbook\n# Section 1—General Examination Guidance\n## I. Examination Overview\n## A. Exam Classifications Defined\n## B. General Procedures for Scheduling an Examination\n## C. Coordinating Examinations of Multi-State Insurers\n## D. Coordination of Holding Company Group Exams\n## E. Review and Reliance on Another State’s Workpapers\n## F. Coordinated Examinations of Internationally Active Insurance Groups\n## G. Examinations of Underwriting Pools, Syndicates and Associations\n## H. Special E Committee Examinations\n## I. Limited-Scope Examinations\n## J. Interim Work\n## II. Examination Personnel\n## A. Examiner Definitions and Qualifications\n## B. Authority and Responsibility of the Examiner-in-Charge\n## C. Duties and Responsibilities of Non-Domestic Participating Examiners\n## D. Salary and Per Diem Guidelines","[{\"question\":\"What is the main purpose of the risk-focused examination content in the handbook?\",\"answer\":\"It explains the purpose of risk-focused examinations and describes how risk assessment is conducted through the risk-focused surveillance process and cycle.\"},{\"question\":\"How does the handbook connect confidentiality to the examination and surveillance process?\",\"answer\":\"It includes a dedicated section on confidentiality, describing how sensitive examination-related information should be handled within the process.\"},{\"question\":\"What guidance does the handbook provide for scheduling and coordinating examinations?\",\"answer\":\"It sets out general procedures for scheduling, and addresses coordination across multi-state insurers and holding company group exams, including reliance on another state’s workpapers.\"}]","Financial Condition Examiners Handbook 2026 | PDF",1790758635,1666]