State text read for 20 of 51 (15 read, 5 read in part); the other 31 rows show NAIC status only.
Last verified against sources: November 5, 2026
NAIC map: status as of Aug 31, 2026. NAIC state page: Summer 2025 edition.
The tables list all 51 jurisdictions. A cell is filled only from a state's own sources, opened for this page: its law or rule, its session law or its insurance department's notice. The exceptions are two New Jersey cells and the New York row, which come from Cornell LII, a republisher of the code (New Jersey's are retention and other-state training; see the source line under the notes table). A cell reads "not read" where that part of the text was not opened and "not found" where the part read does not say. The guide that explains the columns is NAIC Model #275 by State.
Educational information, not legal advice. The state's text controls.
Download and how to cite
- Files for reading and sorting: naic-275-state-matrix.csv and naic-275-state-matrix.json. Dated snapshot of this version: naic-275-state-matrix-2026-11-05.csv.
- Each row carries
last_verifiedand astale_afterdate 180 days later. A row past that date should be re-read before you rely on it. - How to cite: Annuities Genius, "NAIC Model #275 State Matrix," last verified 2026-11-05, annuitiesgenius.com/blog/naic-model-275-state-matrix. Cite NAIC and the state's own rule for any legal point.
- This page grants no license. NAIC's map status and citations are NAIC's data, shown as NAIC prints them.
How to read the table
NAIC hedges its own chart, and the hedge applies here. The state chart "does not constitute a formal legal opinion by the NAIC staff on the provisions of state law and should not be relied upon as such". NAIC's map "does not reflect a determination as to whether the pending or enacted legislation contains all elements of NAIC amendments to the model(s)". NAIC prints years in parentheses after each citation and does not define them; they are not effective dates. Citations are shown as NAIC prints them, typos included.
What "read", "partial" and each column value mean
| State text | Meaning |
|---|---|
| read | The enacted text named in the sources list was opened, and every filled cell comes from it. It does not mean the current consolidated code or every later amendment was checked; the "Current text checked" column says where that was not done. |
| partial | Only some sections or columns were read. |
| not read | No state text was opened for the row. The NAIC citation is shown as NAIC lists it. |
Column values:
- In force: the date the state's law, rule or insurance department notice gives, "not stated" when none was found. Two dates are worked out and the note shows the steps (Arizona, from the session law's own words; Montana, from the state's default rule for an act with no date).
- Records: years to keep the records after the transaction is completed by the insurer, as the state's recordkeeping section reads.
- Other-state training: "Yes" means the text says similar training from another state satisfies the rule. "Non-residents" limits that to non-resident agents. "Director decides" leaves it to the state's insurance director. "Components only" means the text accepts matching course components but has no clause for a whole course from another state. "No clause" means none was found in the text read.
- Safe harbor registration: which registrations make a broker-dealer or adviser a "financial professional" in the state's version of Section 6E. "Either" is federal or state registration, "Federal only" is federal alone, "Mixed" differs by role, "None" means the text has no safe harbor.
- Disclosure form: "Model" means substantially similar to the model's Appendix A; "State" means the state issues or prescribes its own; "In rule" means the form is printed in the rule; "None" means no model form.
- Blank cells: in the CSV and JSON files a blank cell can mean that the part was not read (rows marked partial) or that the part read does not say. The tables on this page and the guide's quick card write the two as "not read" and "not found".
Same state, two dates
We compared four public tables of effective dates (a course provider, a carrier, a training chart and an agency; names withheld, dated copies kept). Of the 48 states with a date in at least three of the four, 14 show two or more different dates and 10 differ by more than a week. Four of the 14 are settled below at the state's own text.
| State | Dates in the public tables | What the state's text says |
|---|---|---|
| Ohio | 2021-02-14; 2021-08-14 | Rule effective 2021-02-14; producers already licensed have six months to train. The later date ends the grace period |
| Illinois | 2023-03-03; 2023-08-01 | Amended rule effective 2023-02-03; 2023-08-01 is a course-approval cutoff, with a new course due by 2024-02-01 for producers trained before it. 2023-03-03 matches no date in the rule |
| Texas | 2021-09-01; 2022-01-01 | H.B. 1777 effective 2021-09-01; 2022-01-01 is the training date (the new course applies to annuities sold from that day) |
| Virginia | 2021-09-01; 2021-09-02 | Va. Register Vol. 37, Iss. 23, effective 2021-09-01. 2021-09-02 matches no date in the text |
Sources: Ohio rule 3901-6-13, 50 Ill. Adm. Code 3120, Texas Department of Insurance (TDI) Bulletin B-0021-21, 14VAC5-45.
Watch list with dates
These items change on NAIC's schedule, not on the model's, so the guide leaves them out.
- NAIC's Annuity Suitability (A) Working Group has a 2026 charge to "consider how to promote greater uniformity in the adoption" of Model #275, and a public call on Dec. 16, 2026 to discuss a draft white paper dated Nov. 10, 2026 (working group page, draft).
- A resource-document outline of Mar 9, 2026 is a draft, not guidance (outline).
- On May 11, 2026 the CFP Board called the model "fundamentally flawed" and objected that compensation is excluded from material conflicts (letter). A joint letter of trade associations the same day asked that supervision guidance be "illustrative rather than prescriptive" (letter).
- On Dec. 9, 2025 NAIC's Life Insurance and Annuities (A) Committee adopted "Annuity Best Interest Regulatory Guidance and Considerations" on the safe harbor (guidance).
- New Jersey's N.J.A.C. 11:4, which includes subchapter 59A, was readopted effective 2026-02-17 with technical changes 2026-03-16; the new expiration date is 2033-02-17 (58 N.J.R. 1197).
All 51 jurisdictions
State text read (20): 15 read and 5 read in part (Michigan, Minnesota, North Dakota, Washington, Wisconsin). NAIC's Aug 31, 2026 map lists all of these as adopted except New York ("other provisions"). The one-time course is 4 credits in 16 of them; California names an 8-hour course, New York requires no specific course, and training was not read for Washington and Wisconsin.
NAIC status only: the 31 jurisdictions whose text was not read
No state text was opened for these rows. All are adopted on the Aug 31, 2026 map except the District of Columbia (pending).
Source line: NAIC map for status (Aug 31, 2026 map); NAIC state page ST-275 for citations (Summer 2025; for the 20 rows read, in the sources list); state texts as listed in the sources below; opened 2026-11-05.
Rows not counted or not filled: territories, Oklahoma, Missouri, DC
NAIC lists American Samoa, Guam, the Northern Mariana Islands, Puerto Rico and the U.S. Virgin Islands as "no current activity"; they are not counted in the 51 rows. NAIC lists Oklahoma under Model Adoption with the years 2005/2007, which look older than the 2020 revisions; open the Oklahoma text before relying on that status. An archived copy of Missouri's 20 CSR 400-5.900 dated 2022-12-30 predates the 2024 amendment NAIC lists, so no Missouri cell is filled. The District of Columbia is not read: no DC rule or bulletin on the 2020 revisions was found at a DC source.
What else the text says, for the 20 rows read
Each note also says how the state words its scope. "The model's sentence" is the scope sentence of Model #275, Section 2, "any sale or recommendation of an annuity", with the state's own word for its text in front of it.
| Jurisdiction | Status | What the text says besides the columns above | Current text checked |
|---|---|---|---|
| Arizona | read | Date note: Laws 2020, ch. 90 (S.B. 1557), section 9, approved 2020-06-05: "This act is effective from and after December 31, 2020", so the first day in force is 2021-01-01. Scope (A.R.S. 20-1243.01(A)): the model's sentence. The exemptions in 20-1243.02 match the model's. | yes - Live pages. |
| California | read | Date note: Applies to recommendations made on or after this date. One-time 8-hour California-specific course (4 credits for the model), then 4 hours before each license renewal if annuities were sold in the term. Care obligation adds a tangible net benefit finding (a reasonable basis to believe the client would receive a tangible net benefit from the transaction over the life of the product; the bill text read does not define the phrase) and an oral plus written basis. Life insurers give a stand-alone buyer's guide. Safe harbor names federal or California securities laws. No other-state training clause in the bill text read. Scope (Ins. Code 10509.9201(a)): "any sale of, or recommendation made to a consumer to purchase, exchange, or replace" an annuity, the state's own wording. | no - Chaptered bill read from an archived copy (2025-06-26); later amendments not checked. CDI pages read live. On 2026-11-05 the state code site refused the connection (HTTP 403); a legal-publisher copy of the California training section, marked current as of 2026-01-01, describes the same 8-credit-hour course and four CE credits per two years (not used as a source for any cell). |
| Florida | read | Date note: Rewritten by ch. 2023-130, s. 15 (a statute, not a rule). Agents who already held a license to sell life insurance (called a life insurance line of authority) on 2024-01-01 and wanted to sell annuities had until 2024-07-01 to take the course. Form as posted on the office website. Caps a surrender charge at 10 percent of the amount withdrawn on contracts issued to a client age 65 or older; the charge must reach zero after the end of the 10th policy year (or 10 years after each premium payment, whichever is later), with exceptions for accredited investors and the annuities in paragraph (4)(b). Enforcement is split: the statute's "office" acts against insurers and its "department" against agents. Scope (627.4554(2)): the model's sentence. | yes - Live page dated 2026-11-04. |
| Georgia | read | Date note: Georgia Office of Insurance Commissioner, "Annuity Best Interest FAQs, Rule 120-2-94" (June 2023): "This regulation becomes effective August 1, 2023". Rule .10 itself says six months after the adoption date or 2023-07-01, whichever is later, and does not print the adoption date. Scope (Rule 120-2-94-.02): the model's sentence. Safe harbor: broker-dealers registered under federal securities laws; advisers registered under federal "[or state]" securities laws, with the brackets printed in the rule text. | yes - Archived copy dated 2026-04-23; the live site refused the connection. |
| Illinois | read | Date note: Amended rule, 47 Ill. Reg. 2312; training deadline 2024-02-01; 2023-08-01 is the course-approval cutoff in 3120.60. Appendices A through C listed in the rule. Extra training for annuities carrying long-term care benefits. Scope (3120.20): the model's sentence. | no - Archived copy dated 2025-03-12; amendments after that date not checked. |
| Maryland | read | Date note: Effective date is not on the COMAR pages read (Library of Maryland Regulations and the Division of State Documents pages); the Maryland Register and the Insurance Administration bulletin pages answered HTTP 403 on 2026-11-05. The Producer Disclosure for Annuities form is set out in the chapter (Regulation .11) with the refusal and not-recommended forms in .12 and .13. Safe harbor lists broker-dealers and investment advisers registered under federal securities laws. Scope (.02A): the model's sentence. | yes - Live pages. |
| Michigan | partial | Date note: Act 266 of 2020, effective June 29, 2021 (history line). Disclosure is on a form issued by the director. Other-state training counts when the director determines it is substantially similar. Scope (MCL 500.4153(1)): the model's sentence. Eight section files were read; five section files (4152, 4154, 4156, 4162, 4164) were not in the archive. | no - Archived copies complete through PA 275 of 2024; section 500.4151 re-read 2026-11-05 from an archive copy dated 2026-03-28, complete through PA 4 of 2026, with the history line unchanged since 2020 Act 266. The five missing section files and the live site were not reachable. |
| Minnesota | partial | Date note: Laws 2022, ch. 84, section 25: "Sections 1 to 19 and 21 to 24 are effective January 1, 2023. Section 20 is effective the day following final enactment." Section 20 is the training section (72A.2033); the governor signed on 2022-05-22, so that section took effect the next day, 2022-05-23. Seventh training topic on spotting signs that a person may lack the memory or judgment to buy. Producers whose license covered life insurance (a life insurance line of authority) on 2022-12-31 and who wanted to sell annuities had until six months after 2023-01-01 to take the course. Forms prescribed by the commissioner. No scope sentence in 72A.203 to 72A.2036 as read; the best-interest duty attaches to a producer "when recommending an annuity" (72A.2032, subd. 1a). | yes - Live statute pages; Laws 2022 ch. 84 read live for the date. |
| Montana | read | Date note: Worked out by the default rule: the enrolled bill, Laws 2021 ch. 432 (S.B. 363), has no effective-date clause, and MCA 1-2-201(1)(a) (MCA 2025) says a statute "takes effect on the first day of October following its passage and approval unless a different time is prescribed", which gives 2021-10-01. MCA 33-20-807 uses the same date for its training deadlines. Exempts variable annuities regulated under Title 30, chapter 10. No other-state training clause in 33-20-807, only a clause for course components. Disclosure form is a model form established by the insurance department. Scope (MCA 33-20-802(2)): the model's sentence. | yes - MCA 2025, live pages. The session law was read from an Internet Archive copy of the Legislature's PDF. |
| New Jersey | read | Date note: Adopted 2025-03-27 (R.2025 d.049). NAIC Appendices A through C written into the rule; a substantially similar form is permitted. 15th profile item tied to N.J.S.A. 17B:25-38b. The rule was readopted with the rest of N.J.A.C. 11:4 (58 N.J.R. 1197; see the watch list). Retention (10 years, 11:4-59A.5(a)) and the other-state training clause (11:4-59A.4(k)) come from the consolidated text on Cornell LII, a republisher of the code; the adoption notice did not show them. Scope (11:4-59A.1(b)), read on Cornell LII: the state's own wording, any annuity directly solicited to a consumer plus any recommendation to purchase, exchange or replace an annuity that results in the purchase, exchange or replacement. | yes - Consolidated 11:4-59A.1 to 59A.5, read 2026-11-05 through Cornell LII, which republishes the code each quarter. Not opened on the state website. |
| New Mexico | read | Date note: printed in the rule's effective-date section, 13.9.20.5 NMAC. Scope sentence: the rule "applies to any sale or recommendation of an annuity in New Mexico or to a resident of New Mexico, regardless of an insurance producer's state of domicile". Appendix A is at the end of the rule. | yes - Live page. |
| New York | read | Date note: Annuities; 2020-02-01 for life insurance. Own regulation (Insurance Regulation 187): prudent-person wording, life insurance in scope, 36-month replacement look-back. No specific course required; insurer responsible for adequate training. Record retention follows Part 243; no number in Part 224. No model Appendix A in the text read. Scope (224.1): "any transaction or recommendation with respect to a proposed or in-force policy", the state's own wording. | yes - Consolidated 11 NYCRR 224.0 to 224.9, read 2026-11-05 through the Cornell LII copy of the code; it matches these values. Not opened on the state website. |
| North Dakota | partial | Date note: H.B. 1160 (2021), "Annuity transaction practices": the Legislative Council list "Effective Dates of 2021 Legislation" gives "1160 - January 1, 2022", and the bill's committee amendment adds "This Act becomes effective January 1, 2022." The Century Code chapter text carries no date. Producers trained before 2022-01-01 have six months to take a new four-credit course or a one-credit course. Form is a model form designed by the insurance department. Scope (26.1-34.2-01.1): "This chapter applies to a sale or recommendation of an annuity", the model's sentence without "any". | yes - Century Code chapter PDF. |
| Ohio | read | Date note: Rule effective; compliance within six months. Other-state training is accepted for non-resident agents only. Safe harbor lists federal registration only. Scope (3901-6-13(C)(1)): the model's sentence. | yes - Archived copy of the state page, snapshot 2026-07-13; the live site refused the connection. |
| Pennsylvania | read | Date note: Act 99 approved 2021-12-22, effective in 180 days (date per the Insurance Department). Statute (Insurance Company Law of 1921). Producers trained under the earlier version get six months to take either course. The four credits are due by the end of the producer's next complete license period. Form is a department model form following Appendix A. Scope (Sec. 402-B(a), as amended by Act 99): the model's sentence, once the Act strikes the older wording. | no - Amending act read; consolidated text not opened. The Insurance Department page, read live 2026-11-05, still gives June 20, 2022 as the effective date. |
| Rhode Island | read | Date note: Section 1.10: the amendments take effect on April 1, 2021. Rule history also lists an amendment effective 2021-04-02 and a periodic refile effective 2022-01-04 with no text change. Safe harbor: broker-dealers registered under federal or state securities laws; advisers registered under federal securities laws. Appendix A is issued in a bulletin on the Department's website. Scope (1.3): the model's sentence, plus a line that one recommendation may be pursued under this Part and under R.I. Gen. Laws chapter 7-11. | yes - Live page, active rule. |
| Texas | read | Date note: H.B. 1777; training required for annuities sold on or after 2022-01-01 (TDI bulletin B-0021-21). One credit for an older course. Retention runs to the fifth anniversary. Scope: the enrolled bill makes Sec. 1115.003(a) read "any sale of" an annuity and strikes "recommendation to purchase, replace, or exchange", so "recommendation" is not in the sentence. Enrolled bill and TDI bulletin read from archived copies; codified chapter 1115 and the TDI rule not read. | no - Enrolled bill (2021) and bulletin read from archived copies. |
| Virginia | read | Date note: Va. Register Vol. 37, Iss. 23. Agents whose license covered life insurance and annuities (a life insurance and annuities line of authority) before 2021-09-01 and who sell annuity products had until 2022-03-01 to take the course. The commission publishes its own Producer Disclosure for Annuities form, with refusal and not-recommended statements on its own forms. Safe harbor names federal or the Virginia Securities Act. Scope (14VAC5-45-10): the model's sentence. | yes - Live pages dated 2026-11-04. |
| Washington | partial | Date note: 2023 c 64 s 3. Form as published on the commissioner's website. Training is not in RCW 48.23.015 and was not read. Scope (48.23.015(1)): the model's sentence. | yes - Live page. |
| Wisconsin | partial | Date note: Printed in the Office of the Commissioner of Insurance bulletin of 2022-06-29: "The changes in this Act become effective October 1, 2022." 2021 Wis. Act 260 (signed 2022-04-15, published 2022-04-16), s. 27, gives the same date: it takes effect on the first day of the 6th month beginning after publication. The months beginning after publication run May (1st) to October (6th), so the 6th starts 2022-10-01. Uses the term insurance intermediary. Act 260 defines "financial professional" as an insurance intermediary "regulated and acting as" a broker-dealer or investment adviser registered under federal or state securities law, or a plan fiduciary. Forms for Appendices B and C are to be posted on the Office of the Commissioner of Insurance (OCI) website; the Appendix A form is on that website per the 2022 bulletin. Not read: retention, the base training credits and other-state training are in parts of s. 628.347 that Act 260 did not restate, and the statute itself was not read. Scope: Act 260 has no scope sentence; the duty attaches to an insurance intermediary "when making a recommendation of an annuity" (s. 628.347(2)(a)); the statute's own scope wording was not read. |
no - 2021 Wis. Act 260 (2022) read from an archived copy of the Wisconsin Legislature PDF dated 2025-02-09; the 2022 bulletin was read live on 2026-11-05. The live statute page refused the connection; later amendments and the rest of s. 628.347 not checked. |
Source line: the state sources listed below, opened 2026-11-05; archived copies are marked in the last column. Cells marked "not read" or "not found" above were not filled from any other source, and no cell comes from a trade table, a course vendor page or a news item. Two New Jersey cells (retention and other-state training) and the New York row come from the consolidated code as Cornell LII republishes it. Wisconsin's date is printed in the commissioner's 2022 bulletin, and Georgia's in the state insurance department's June 2023 notice. Maryland's date was not found.
Update log
- 2026-11-05: first version. NAIC status for all 51 jurisdictions from the Aug 31, 2026 map; 20 of 51 state texts read.
- 2026-11-06: wording only. The California note now says in plain words what a tangible net benefit finding is; the Florida note, the Minnesota note and the Virginia note say who a life insurance line of authority covers. No cell was read again, and
last_verifiedstays 2026-11-05.
Sources for the rows read
All opened on 2026-11-05. Where a state site refused the connection from the research machine, the Internet Archive copy of the state's own page was read and is named in the row.
- Arizona: NAIC lists Ariz. Rev. Stat. 20-1243.01 to 1243.07 (2006/2021). Read: https://www.azleg.gov/legtext/54leg/2R/laws/0090.htm (session law, for the date) ; https://www.azleg.gov/ars/20/01243-01.htm ; https://www.azleg.gov/ars/20/01243-02.htm ; https://www.azleg.gov/ars/20/01243-03.htm ; https://www.azleg.gov/ars/20/01243-06.htm ; https://www.azleg.gov/ars/20/01243-07.htm
- California: NAIC lists Cal. Ins. Code 10509.9200 to 10509.9210 (2025). Read: https://leginfo.legislature.ca.gov/faces/billTextClient.xhtml?bill_id=202320240SB263 ; https://www.insurance.ca.gov/0200-industry/0050-renew-license/0200-requirements/Life/questions-answers.cfm ; https://www.insurance.ca.gov/0200-industry/0050-renew-license/0400-resident-materials/upload/Notice-2025-Annuity-Four-Hour-Training-Course-Curriculum.pdf
- Florida: NAIC lists Fla. Stat. 627.4554 (2004/2024). Read: https://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0600-0699/0627/Sections/0627.4554.html ; https://laws.flrules.org/2023/130
- Georgia: NAIC lists Ga. Comp. R. & Regs. 120-2-94-.01 to 120-2-94-.10 (2006/2023). Read: https://rules.sos.ga.gov/gac/120-2-94 (read from http://web.archive.org/web/20260423150949id_/https://rules.sos.ga.gov/gac/120-2-94) ; https://oci.georgia.gov/document/document/annuity-best-interest-faqs/download (for the date)
- Illinois: NAIC lists Ill. Admin. Code tit. 50, 3120.10 to 3120.90 (2007/2011/2023). Read: https://ilga.gov/commission/jcar/admincode/050/05003120sections.html (read from http://web.archive.org/web/20250312224239/https://ilga.gov/commission/jcar/admincode/050/05003120sections.html) ; https://ilga.gov/commission/jcar/admincode/050/050031200000200R.html (Scope, read from http://web.archive.org/web/2025id_/https://ilga.gov/commission/jcar/admincode/050/050031200000200R.html)
- Maryland: NAIC lists Md. Code Regs. 31.09.12.01 to 31.09.12.13 (2007/2022). Read: https://dsd.maryland.gov/regulations/Pages/31.09.12.01.aspx (sections .01 to .13 opened)
- Michigan: NAIC lists Mich. Comp. Laws 500.4151 to 500.4166 (2021). Read: https://www.legislature.mi.gov/Laws/MCL?objectName=mcl-500-4155 (sections 4153, 4155, 4158, 4160, 4163, 4165, 4166 read from Internet Archive copies dated 2025-02-22 and 2025-02-23, with 4153 re-read from a copy current through PA 5 of 2025; section 4151 read from the Internet Archive snapshot of 2026-03-28)
- Minnesota: NAIC lists Minn. Stat. 72A.20 to 72A.2036 (2012/2022). Read: https://www.revisor.mn.gov/statutes/cite/72A.2032 ; https://www.revisor.mn.gov/statutes/cite/72A.2033 ; https://www.revisor.mn.gov/statutes/cite/72A.2035 ; https://www.revisor.mn.gov/laws/2022/0/84/ (session law, for the date)
- Montana: NAIC lists Mont. Code Ann. 33-20-802 to 33-20-807 (2007/2021). Read: https://mca.legmt.gov/bills/mca/title_0330/chapter_0200/part_0080/section_0020/0330-0200-0080-0020.html ; sections 0030 to 0070 of the same part ; https://mca.legmt.gov/bills/mca/title_0010/chapter_0020/part_0020/section_0010/0010-0020-0020-0010.html (MCA 1-2-201, default effective date) ; http://web.archive.org/web/2024id_/https://leg.mt.gov/bills/2021/sesslaws/ch0432.pdf (Laws 2021 ch. 432, S.B. 363, Internet Archive copy of the Legislature's PDF; the Legislature's own address answered HTTP 404)
- New Jersey: NAIC lists N.J. Admin. Code 11:4-59A.1 to Appendix C (2013/2025). Read: https://nj.gov/dobi/proposed/aa250421njac11_4_59A1.pdf ; https://nj.gov/dobi/proposed/re260316njac11_4.pdf ; https://www.law.cornell.edu/regulations/new-jersey/N-J-A-C-11-4-59A-1 ; https://www.law.cornell.edu/regulations/new-jersey/N-J-A-C-11-4-59A-4 ; https://www.law.cornell.edu/regulations/new-jersey/N-J-A-C-11-4-59A-5 (the three Cornell pages are republished by Cornell LII)
- New Mexico: NAIC lists N.M. Admin. Code 13.9.20.1 to 13.9.20.12 (2022). Read: https://www.srca.nm.gov/parts/title13/13.009.0020.html
- New York: NAIC lists none under Model Adoption; Previous Version: 11 NYCRR 224.0 to 224.9 (2011/2018). Read: https://www.dfs.ny.gov/industry_guidance/regulations/final_insurance/rf187_amend01 ; https://www.dfs.ny.gov/apps_and_licensing/agents_and_brokers/Suitability/Best-Interests-Training ; https://www.law.cornell.edu/regulations/new-york/11-NYCRR-224.1 ; https://www.law.cornell.edu/regulations/new-york/11-NYCRR-224.9 (both Cornell LII copies of the code)
- North Dakota: NAIC lists N.D. Cent. Code 26.1-34.2-01 to 26.1-34.2-05 (2007/2022). Read: https://www.legis.nd.gov/cencode/t26-1c34-2.pdf ; https://ndlegis.gov/files/resource/67-2021/effective-dates-legislation/21.9741.01000.pdf (date) ; https://ndlegis.gov/files/resource/67-2021/library/hb1160.pdf (bill file, for the title and the amendment)
- Ohio: NAIC lists Ohio Admin. Code 3901-6-13 (2021). Read: https://codes.ohio.gov/ohio-administrative-code/rule-3901-6-13 (read from http://web.archive.org/web/20260713192939/https://codes.ohio.gov/ohio-administrative-code/rule-3901-6-13)
- Pennsylvania: NAIC lists 40 Pa. Stat. Ann. 627-1 to 627-8 (2010/2022). Read: https://www.palegis.us/statutes/unconsolidated/law-information/view-statute?txtType=PDF&SessYr=2021&ActNum=0099.&SessInd=0 ; https://www.pa.gov/agencies/insurance/laws-regulations-notices/act-99-2001-pa-annuity-best-interest-standard
- Rhode Island: NAIC lists 230 R.I. Code R. 20-25-1.1 to 20-25-1.11 (2011/2022). Read: https://rules.sos.ri.gov/regulations/part/230-20-25-1
- Texas: NAIC lists Tex. Ins. Code 1115.001 to 1115.102 (2007/2021). Read: https://capitol.texas.gov/tlodocs/87R/billtext/pdf/HB01777F.pdf ; http://www.tdi.texas.gov//bulletins/2021/B-0021-21.html
- Virginia: NAIC lists 14 Va. Admin. Code 5-45-10 to 5-45-50 (2021). Read: https://law.lis.virginia.gov/admincode/title14/agency5/chapter45/
- Washington: NAIC lists Wash. Rev. Code 48.23.015 (2009/2023). Read: https://app.leg.wa.gov/RCW/default.aspx?cite=48.23.015
- Wisconsin: NAIC lists Wis. Stat. 628.347 (2004/2022). Read: https://docs.legis.wisconsin.gov/2021/related/acts/260.pdf (read from http://web.archive.org/web/20250209024136id_/https://docs.legis.wisconsin.gov/2021/related/acts/260.pdf) ; https://oci.wi.gov/Documents/Regulation/Bulletin20220629BestInterest.pdf
David Novak
David Novak founded Annuities Genius and chairs the company. He is a licensed insurance agent and writes the LinkedIn newsletter Become an Annuities Genius.
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