{
  "tool_id": "art-240-assess-naic-ais-program-readiness",
  "tool_version": "1.0.0",
  "display_name": "NAIC AI Systems Program Readiness Assessment",
  "mcp_name": "assess_naic_ais_program_readiness",
  "mandate_type": "compliance_mandate",
  "wave": 40,
  "gpu": false,
  "url": "https://ainumbers.co/chaingraph/art-240-assess-naic-ais-program-readiness.html",
  "description": "Scores insurance AI program readiness against the NAIC Model Bulletin on the Use of Artificial Intelligence Systems by Insurers (adopted 4 Dec 2023) and the NAIC AI Systems Evaluation Tool (exposure draft v4.0, Sep 2025). Six dimensions scored 0-3 (Not Started/Planning/Partial/Implemented): Governance & Accountability, Risk Management Framework, Data Governance & Bias Monitoring, Testing & Validation, Transparency & Explainability, Complaint & Audit Readiness. Total 0-18; readiness tier: GREEN >= 78% (EXAM_READY), YELLOW >= 44% (IN_PROGRESS), RED < 44% (SIGNIFICANT_GAPS). 24+ states have adopted or substantially adopted the NAIC AI Model Bulletin as of mid-2026; 12-state market-conduct exam pilot ran Jan-Sep 2026 (verify current adoption status with NAIC and your state regulator).",
  "input_schema_ref": "chaingraph/art-240-assess-naic-ais-program-readiness.html#manifest",
  "consumes": [
    "art-239-test-bifsg-bias-thresholds"
  ],
  "feeds": [],
  "status": "live",
  "conformance_fixtures": true,
  "compute_capability": "server",
  "compute_images": [
    {
      "system": "sha256-source",
      "image_id": "sha256:ed2e6920e271e9beb07ec2b652b464385e213299d2abc4cbe33b2a28397bbc61",
      "valid_from": "2026-07-10"
    },
    {
      "system": "risc0",
      "image_id": "sha256:a1a0bc89b5b1febaeda3519f6dbade0fa5ac16beeb143c4e1b01689573567bc6",
      "valid_from": "2026-07-04"
    }
  ],
  "export_capability": [
    "json"
  ],
  "compute_proof_ready": "ready",
  "compute_proof": {
    "type": "ZkVmReceipt",
    "system": "risc0",
    "receiptFormat": "groth16-bn254",
    "imageId": "sha256:a1a0bc89b5b1febaeda3519f6dbade0fa5ac16beeb143c4e1b01689573567bc6",
    "seal": "Ib7jxGpow8xHP7/G4mi9V+dJQWoE6ot7Lsp325d0dGknQw4WSqcMl878yr2HpenT8IaLWZXvkFcZFSy6oxMXmQEH75pOl6eiZDO6TykxazlXLdbbt2/CkCP9RgIq97+SB4Bx/AlqiP/2Nd+R2gjbSAzGfvvYNfyTFOo3wTHmp8ct9/HpcYVhqsLPsvW+IWlDgfDCEXPdwEn7l2AjbklS6As7g4o4jmyhQITjoEFYNeErCMtE23b/ByrzVsqBiSlzJdYgl0BmQnI846RvQtRRCUObWprtdcJEg3lKO47ovkMemYYjwkF6BlG+tWjk3pnRxnTa6UEryT5VPN/GRTK5BA==",
    "journal": {
      "chaingraph_version": "0.4.0",
      "kernel_digest": "sha256:ed2e6920e271e9beb07ec2b652b464385e213299d2abc4cbe33b2a28397bbc61",
      "output": {
        "adopted_states_note": "NAIC AI Model Bulletin adopted or substantially adopted by 24+ states as of mid-2026. 12-state market-conduct exam pilot ran Jan-Sep 2026 (verify current adoption status with NAIC and state regulator before relying on this count).",
        "dimension_scores": [
          {
            "dimension": "Governance & Accountability",
            "score": 3,
            "status": "IMPLEMENTED"
          },
          {
            "dimension": "Risk Management Framework",
            "score": 3,
            "status": "IMPLEMENTED"
          },
          {
            "dimension": "Data Governance & Bias Monitoring",
            "score": 3,
            "status": "IMPLEMENTED"
          },
          {
            "dimension": "Testing & Validation",
            "score": 3,
            "status": "IMPLEMENTED"
          },
          {
            "dimension": "Transparency & Explainability",
            "score": 3,
            "status": "IMPLEMENTED"
          },
          {
            "dimension": "Complaint & Audit Readiness",
            "score": 3,
            "status": "IMPLEMENTED"
          }
        ],
        "do_now": [
          "All dimensions at Partially Implemented or above — focus on documentation and exam-evidence preparation."
        ],
        "exam_pilot_note": "12-state market-conduct exam pilot ran Jan-Sep 2026 per NAIC. Verify current exam schedule with your state regulator.",
        "gaps": [],
        "max_score": 18,
        "readiness_label": "EXAM_READY",
        "readiness_pct": 100,
        "readiness_tier": "GREEN",
        "regulatory_basis": "NAIC Model Bulletin on the Use of Artificial Intelligence Systems by Insurers (adopted 4 Dec 2023); NAIC Principles on Artificial Intelligence (adopted 14 Aug 2020); NAIC AI Systems Evaluation Tool (exposure draft v4.0, Sep 2025; 12-state pilot, not yet adopted); NAIC Market Regulation Handbook (2024)",
        "table_source": "NAIC Model Bulletin on the Use of Artificial Intelligence Systems by Insurers (adopted 4 Dec 2023, naic.org); NAIC AI Systems Evaluation Tool (exposure draft v4.0, Sep 2025; anticipated adoption 2026 Fall National Meeting, naic.org)",
        "table_version": "NAIC-AIS-BULLETIN-2023-R1",
        "total_score": 18
      }
    }
  }
}