The NAIC Insurance Data Security Model Law isn't a proposal — it's adopted, in some form, in 20+ states, and required for any insurer, agent, or broker licensed in those jurisdictions. It requires a written information security program, regular risk assessments, and — at its core — access controls restricting who can reach nonpublic information, with continuous monitoring for unauthorized activity. Most state versions also require notifying the insurance commissioner within days of a cybersecurity event, which means access failures don't stay internal problems for long.
Insurance runs on some of the oldest infrastructure in financial services. Core policy administration and claims systems frequently sit on mainframe or "green screen" architecture, decades old, authenticated with static passwords that operate entirely outside modern identity controls. That's not a hypothetical risk — it's the specific gap regulators now expect insurers to close: bridging legacy host access into a centralized, modern identity strategy, without ripping out systems that still process billions of transactions.
This is precisely the architecture Whiteswan was built to govern. Endpoint agents bring legacy and mainframe-adjacent infrastructure under the same policy engine as everything modern — closing exactly the "green screen" gap regulators are now scrutinizing, without requiring insurers to replace core systems that still work. Claims, underwriting, and customer-data systems get unique-identity, least-privilege access enforcement, satisfying the access-control core of the NAIC Model Law directly. Every action is written to an audit trail, ready for the notification and investigation timelines state law now imposes. And as insurers bring AI into underwriting and claims processing, the same engine governs those AI agents' access to nonpublic information — under the same policy, the same audit trail, not a separate tool bolted on after the fact.
This page describes the regulatory landscape insurers operate under and how Whiteswan's general platform capabilities map to it. It does not represent a specific insurance customer deployment.
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