{
  "tool_id": "art-240-assess-naic-ais-program-readiness",
  "kernel_id": "art-240-assess-naic-ais-program-readiness",
  "display_name": "NAIC AI Systems Program Readiness Assessment",
  "tool_version": "1.0.0",
  "mandate_type": "compliance_mandate",
  "purpose": "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).",
  "control_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).",
  "declared_inputs": [
    "art-239-test-bifsg-bias-thresholds"
  ],
  "declared_outputs": [],
  "kernel_digest": "sha256:ed2e6920e271e9beb07ec2b652b464385e213299d2abc4cbe33b2a28397bbc61",
  "trust_label": "independently verified: zkVM execution proof (risc0/groth16-bn254)",
  "data_vintage": "2026-07-10",
  "last_validated": "2026-07-10",
  "conformance_fixtures_vendored": true,
  "compute_proof_ready": "ready",
  "wave": 40,
  "source_url": "https://ainumbers.co/chaingraph/art-240-assess-naic-ais-program-readiness.html",
  "generated_at": "2026-08-15T11:12:17.704Z"
}