Market Conduct Examination Reports

In accordance with applicable law and the NAIC Market Regulation Handbook, Market Conduct Exams may be performed on both domestic and foreign insurance companies at any time to evaluate compliance with state laws and regulations regarding claims handling, underwriting, sales practices, and marketing. Market conduct exams typically take 18 months to complete and final exam reports are posted under the year examined, not the year the report is completed.

2023 Market Conduct Examination Reports

• Point32Health, Inc Market Conduct Examination Report - Adoption Order - June 6, 2024
• Point32Health, Inc Market Conduct Examination Report - June 6, 2024

2022 Market Conduct Examination Reports

• Massachusetts Mutual Life Insurance Company Market Conduct Report - Adoption Order - July 15, 2025
• Massachusetts Mutual Life Insurance Company - Market Conduct Report - July 15, 2025
• Bay State Insurance Company, Cambridge Mutual Fire Insurance Company, Merrimack Mutual Fire Insurance Company Market Conduct Report - Adoption Order - August 19, 2024
• Bay State Insurance Company, Cambridge Mutual Fire Insurance Company, Merrimack Mutual Fire Insurance Company - Market Conduct Report - August 19, 2024

2021 Market Conduct Examination Reports

• Barnstable Group Comprehensive Market Conduct Examination Report - Adoption Order - July 15, 2024
• Barnstable Group Comprehensive Market Conduct Examination Report - July 15, 2024
• Berkshire Life Ins Co of America Market Conduct Examination Report - Adoption Order - December 14, 2023
• Berkshire Life Ins Co of America Market Conduct Examination Report - December 14, 2023
• Arbella Insurance Group Market Conduct Examination Report - Adoption Order - May 16, 2023
• Arbella Insurance Group Market Conduct Examination Report - May 16, 2023

2020 Market Conduct Examination Reports

• Liberty Mutual Insurance Company Market Conduct Examination - Adoption Order - September 5, 2024
• Liberty Mutual Insurance Company Market Conduct Examination Report - September 5, 2024
• Liberty Mutual Insurance Company Market Conduct Examination - Regulatory Settlement Agreement
• Centre Life Insurance Company Market Conduct Examination Report - Adoption Order - May 27, 2022
• Centre Life Insurance Company Market Conduct Examination Report - May 27, 2022

2019 Market Conduct Examination Reports

• Norfolk & Dedham Group Market Conduct Examination Report - Adoption Order - July 11, 2022
• Norfolk & Dedham Group Market Conduct Examination Report - July 11, 2022

2018 Market Conduct Examination Reports

• Hospitality Mutual Insurance Company Market Conduct Report - Adoption Order - August 4, 2022
• Hospitality Mutual Insurance Company Market Conduct Report - August 4, 2022
• New England Life Insurance Company Market Conduct Report - Adoption Order - July 11, 2022
• New England Life Insurance Company Market Conduct Report - July 11, 2022
• Boston Mutual Life Insurance Company Market Conduct Report - Adoption Order - July 11, 2022
• Boston Mutual Life Insurance Company Market Conduct Report - July 11, 2022
• Electric Insurance Company - Adoption Order - January 25, 2022
• Electric Insurance Company - January 25, 2022
• Hingham Mutual Fire Insurance Company / Danbury Insurance Company - Adoption Order - April 6, 2021
• Hingham Mutual Fire Insurance Company / Danbury Insurance Company - April 6, 2021
• Paul Revere Life Insurance Company - Adoption Order - April 6, 2021
• Paul Revere Life Insurance Company - April 6, 2021
• Plymouth Rock Comprehensive Market Conduct Examination Report - Adoption Order - March 4, 2021
• Plymouth Rock Comprehensive Market Conduct Examination Report - March 4, 2021
• The Savings Bank Mutual Life Insurance Company of Massachusetts Market Conduct Examination Report - Adoption Order - January 14, 2021
• The Savings Bank Mutual Life Insurance Company of Massachusetts Market Conduct Examination Report  - January 14, 2021
• The Commerce Insurance Company and Citation Insurance Company Market Conduct Examination Report - Adoption Order - July 29, 2020
• The Commerce Insurance Company and Citation Insurance Company Market Conduct Examination Report - July 29, 2020
• Safety Insurance Company; Safety Indemnity Insurance Company; Safety Property and Casualty Insurance Company Market Conduct Examination Report - December 31, 2018

2015 Market Conduct Examination Reports

• Commonwealth Annuity and Life Insurance Company and First Allmerica Financial Life Insurance Company - December 31, 2015
• USAA Limited Scope Exam Report - December 31, 2015
• Berkshire Life Insurance Company of America - December 31, 2015
• Arbella Mutual Insurance Company; Arbella Protection Insurance Company; Arbella Indemnity Insurance Company - December 31, 2015
• Barnstable County Mutual Insurance Company; Barnstable County Insurance Company - December 31, 2015
• The Premier Insurance Company of Massachusetts - December 31, 2015
• Centre Life Insurance Company - December 31, 2015
• Encompass Insurance Company  - December 31, 2015

Years 2014 and Prior Market Conduct Reports

• Years 2014 and Prior