Insurance track
AI competency, measured for insurance
Separated from the financial services track because the supervisory questions are different. Insurance regulators have written to insurers specifically about AI: unfair discrimination in underwriting and pricing, explaining a declined claim, governance of third-party models, and the record an insurer must keep of how an automated decision was reached.
Who sits this track
Underwriters, claims handlers, actuaries, brokers and agents, and the compliance and model-governance functions that oversee them.
Fifteen tracks exist because the competencies that matter to a clinician are not the ones that matter to a teacher, and neither set is what matters to a ten-year-old. The three proficiency levels and the scoring are shared. The items are not.
The judgment this track measures
Scenario items ask what a person would do, not what a term means. These are the situations the insurance items are built around.
- A pricing or underwriting model whose inputs may stand in for a protected characteristic
- Explaining to a policyholder why a claim was flagged or declined
- A vendor model you did not build and cannot fully inspect
- Customer data in a tool with retention terms you did not negotiate
- Documenting an assisted decision so it survives a regulator’s review
- Length
- 40 items, plus the readiness checklist.
- Time
- 20 to 25 minutes. No time limit.
- Levels
- Acquire, Deepen, Create.
- Status
- In development
- Result
- Not pass or fail. A baseline and a set of gaps.
What this track answers to
Anchored to the NAIC Model Bulletin on the Use of Artificial Intelligence Systems by Insurers and to EIOPA’s opinion on AI governance and risk management, with the Financial Stability Board’s work on AI and financial stability behind both.
Not published yet, and said so on purpose
Common questions
Is the Insurance track available today?
Not yet. The Insurance track is in development, which means framework research and item writing are underway. Register interest and we will tell you when it is published.
How long does it take?
Most people complete the assessment in 20 to 25 minutes. There is no time limit.
Is it pass or fail?
No. The assessment returns a proficiency level and domain scores. There is no passing score. The purpose is to establish a baseline and identify areas for development.
How is this different from the other tracks?
Separated from the financial services track because the supervisory questions are different. Insurance regulators have written to insurers specifically about AI: unfair discrimination in underwriting and pricing, explaining a declined claim, governance of third-party models, and the record an insurer must keep of how an automated decision was reached.
Do participants choose their own track?
No. The access code an organization issues is bound to one track, and entering it puts the participant on the right instrument automatically.
Who sees my results?
Your results appear on screen as soon as you finish. Whether the organization that issued your code also receives them is set by that organization and disclosed to you before you begin.
What is it validated against?
Every track is content-validated before publication by an independent panel of at least six subject matter experts, none of them the item authors, and is accepted at a scale-level S-CVI/Ave of 0.90 or above.
Sources
- UNESCO AI Competency Framework for TeachersUNESCO, September 2024. 15 competencies across five dimensions and three progression levels.
- Lynn, Nursing Research, 1986Determination and quantification of content validity. The origin of the four-point ordinal CVI scale and its acceptance thresholds.
- Polit and Beck, Research in Nursing & Health, 2006The content validity index: are you sure you know what's being reported? Critique and recommendations.
- NAIC Model Bulletin on the Use of AI Systems by InsurersNational Association of Insurance Commissioners, adopted December 2023. Expectations for governance, risk management and documentation of AI systems used by insurers.
- EIOPA Opinion on AI governance and risk managementEuropean Insurance and Occupational Pensions Authority, 2025. Supervisory expectations for the governance and risk management of AI systems in insurance.
- FSB, The Financial Stability Implications of Artificial IntelligenceFinancial Stability Board, November 2024.