Cuestionario del boletín modelo de la NAIC sobre IA en seguros

Las respuestas y explicaciones aparecen a medida que realiza el cuestionario.

1. ¿Cómo adquiere efecto legal el Boletín Modelo de la NAIC sobre IA en un estado determinado?
   • It takes effect automatically in every state once the NAIC votes
   • A state insurance department must issue it, often with light edits
   • Congress must ratify it through federal insurance legislation
   • Each insurer opts in by filing a signed acceptance with the NAIC
2. ¿Cómo llama el boletín al programa escrito que se espera que mantengan las aseguradoras para el uso de IA?
   • A Model Risk Charter
   • A Fair Pricing Plan
   • An AIS Program
   • An Algorithmic Impact Statement
3. Según el boletín, ¿qué es un resultado adverso para el consumidor?
   • Any customer complaint filed about an insurer's website
   • A premium increase of more than a set percentage
   • A decision that harms consumers in a way that violates insurance law
   • A claim denial that is later reversed on appeal
4. ¿Qué afirmación sobre la base jurídica del boletín es correcta?
   • It creates new penalties specific to AI misuse
   • It explains how existing laws such as the Unfair Trade Practices Act apply to AI
   • It replaces state unfair claims settlement laws for AI-driven claims
   • It sets numerical fairness thresholds that models must meet
5. Un operador compra una puntuación de suscripción de IA a un proveedor. Según el boletín, ¿quién sigue siendo responsable de los resultados de esa puntuación para los consumidores?
   • The vendor alone
   • The state regulator that approved the vendor
   • The insurer using the score
   • The agent who submitted the application
6. What does the bulletin's proportionate approach mean in practice?
   • Small insurers are exempt from the bulletin
   • Controls should scale with how much an AI system affects consumers
   • Every AI tool must receive identical testing
   • Only generative AI tools need governance
7. Which state was described in the guide as taking a separate route through its own statute and regulations rather than relying solely on the bulletin?
   • Colorado
   • Vermont
   • Alaska
   • New Hampshire
8. Why does the bulletin matter to insurance agents even though it is addressed to insurers?
   • It requires agents to obtain a separate AI license
   • It shapes the carrier tools agents use and the questions agents should expect about them
   • It bans agents from using any AI software
   • It makes agents liable for all carrier model errors