Remarks on the American risk based capital model

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      <subfield code="a">The NAIC is an organization of all the state insurance regulators from the 50 states, the District of Columbia and the four U.S. territories. It is the oldest association of state government officials in the United States. State insurance commissioners are charged with the duty of protecting consumer interests while practicing fair and reasonable regulation of the insurance industry. The most important duty of insurance commissioners is to help maintain the financial stability of the insurance industry -that is, to guard against insolvencies. The NAIC's risk-based capital system, in effect, limits the amount of risk a company can take on by requiring higher amounts of capital for bearing higher amounts of risk. The risk factors for the NAIC's risk-based capital formula, which produces a Regulatory Minimum Risk-Based Capital, focuses on four major areas: asset risk, liability or underwriting risk, business risk and miscellaneous risk</subfield>
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