Computes the NAIC Risk-Based Capital action level from Total Adjusted Capital (TAC) and Authorized Control Level RBC (ACL). Maps to the five-tier action ladder: No Action (≥200% ACL), Company Action (≥150%), Regulatory Action (≥100%), Authorized Control (≥70%), and Mandatory Control (<70%). Also runs the trend test. Use as step 1 in the insurer RBC workflow.
NAIC RBCNAIC Model ActP&C / Life / HealthRegulatory CapitalProofs Deferred
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RBC Reference
NO_ACTIONTAC/ACL ≥ 200%
COMPANY_ACTION150% ≤ TAC/ACL < 200%
REGULATORY_ACTION100% ≤ TAC/ACL < 150%
AUTHORIZED_CONTROL70% ≤ TAC/ACL < 100%
MANDATORY_CONTROLTAC/ACL < 70%
Capital Inputs
Total Adjusted Capital as defined in the NAIC RBC Model Act.
Authorized Control Level RBC from the NAIC RBC report.
Determines which NAIC RBC model applies (P&C, Life, Health).
Prior year TAC for trend test. Trend test triggers if current-year RBC ratio is below prior by ≥10 percentage points and ratio < 250%.