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2019 Annual Report

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2019 Annual Report STATE OF ARKANSAS ASA HUTCHINSON, GOVERNOR ARKANSAS INSURANCE DEPARTMENT ALAN MCCLAIN ARKANSAS INSURANCE COMMISSIONER _____ ANNUAL REPORT SHOWING THE ARKANSAS BUSINESS FOR THE YEAR 2019 OF ALL INSURANCE COMPANIES, ASSOCIATIONS, AND FRATERNAL ORDERS TRANSACTING BUSINESS IN ARKANSAS. ____ MISSION STATEMENT The primary mission of the State Insurance Department shall be consumer protection through insurer solvency and market conduct regulation, and fraud prosecution and deterrence. OUR VISION Our vision is to serve and protect the public interest by the efficient and equitable enforcement of the state’s laws and regulations affecting the insurance industry. CORE VALUES The Insurance Department is comprised of several divisions with a wide variety of services to the public, public employees, and the industry. Our core values are: • Efficiency in our internal workings and in assisting consumers externally. • Results that benefit Arkansas consumers and lead to growth for the Industry. • Transparency in the rate-making process. • Leadership among state regulators in growing industry and protecting consumers. Michael Preston SECRETARY OF COMMERCE Alan McClain COMMISSIONER, ARKANSAS INSURANCE DEPARTMENT TABLE OF CONTENTS Commissioner’s Letter 1 Message from the Commissioner 2 Administration Division 3 Accounting Division 4 Compliance Division 12 Consumer Services Division 14 Criminal Investigation Division 15 Finance Division 16 Human Resources Division 21 Information Systems Division 21 Legal Division 22 License Division 25 Liquidation Division 27 Public Employee Claims Division 27 Regulatory Health Link Division 28 Risk Management Division 29 Senior Health Insurance Information Program (SHIIP) 31 Insurance Department History 32 Past Insurance Commissioners 33 Domestic Surplus Lines Carriers – By Premium 34 Life & Health Insurance Carriers – By Premium 36 Property & Casualty Insurance Carriers – By Premium 45 Title Insurance Carriers – By Premium 59 ARKANSAS INSURANCE DEPARTMENT 2019 ANNUAL REPORT http://insurance.arkansas.gov i Michael Preston SECRETARY OF COMMERCE Alan McClain COMMISSIONER, ARKANSAS INSURANCE DEPARTMENT ARKANSAS CODE ANNOTATED Title 23 - Public Utilities and Regulated Industries Subtitle 3 – Insurance Chapter 61 - State Insurance Department Subchapter 1 - General Provisions § 23-61-101 - State Insurance Department -- Continuation -- Assignment of space. 23-61-101. State Insurance Department -- Continuation -- Assignment of space. (a) There is continued at the seat of government of this state an office or department designated as the State Insurance Department. (b) Suitable space shall be assigned for the use of the department. (c) (1) (A) The purpose of the department is to serve and protect the public interest by the equitable enforcement of the state's laws and regulations affecting the insurance industry. (B) The primary mission of the department shall be consumer protection through insurer solvency and market conduct regulation, and fraud prosecution and deterrence. (2) Nothing in this subsection shall be construed to limit the Insurance Commissioner's authority as enumerated in other provisions of the Arkansas Insurance Code. ARKANSAS INSURANCE DEPARTMENT 2019 ANNUAL REPORT http://insurance.arkansas.gov ii Michael Preston SECRETARY OF COMMERCE Alan McClain COMMISSIONER, ARKANSAS INSURANCE DEPARTMENT The Honorable Mike Preston Secretary of Commerce 1 Commerce Way Little Rock, AR 72202 Dear Secretary Preston: I am pleased to present you the Annual Report of the Arkansas Insurance Department for the year 2019, pursuant to Ark. Code Ann. § 23-61-112. This report summarizes the activities of the Department for the calendar year ending December 31, 2019. Sincerely, Alan McClain Arkansas Insurance Commissioner ARKANSAS INSURANCE DEPARTMENT 2019 ANNUAL REPORT http://insurance.arkansas.gov 1 Michael Preston SECRETARY OF COMMERCE Alan McClain COMMISSIONER, ARKANSAS INSURANCE DEPARTMENT MESSAGE FROM THE COMMISSIONER It is my honor to present my first Annual Report as the Arkansas Insurance Commissioner. I am proud to report that Arkansas continued to aggressively recruit new companies to do business in our state. We welcomed 22 new companies in 2019, pushing our total to 107 new businesses since 2015. I am further proud to report that we increased individual agent licensure by nearly 7.3% in 2019. At the end of 2019, the Arkansas Insurance Department licensed 145,185 insurance producers and adjusters. At the end of 2019, the Department licensed 10,215 business agencies, a 5% increase from 2018. The growth of producers and businesses in 2019 resulted in $17.17 billion in gross direct written premium for the year, a $2 billion increase over 2018. Since 2015, the Arkansas Insurance Department has increased direct written premiums in Arkansas by $4.49 billion. While the Department increased opportunities for the insurance industry in 2019, it also made bold moves to protect consumers and do right by Arkansas taxpayers. In 2019, our Consumer Services Division recovered more than $3 million for Arkansas policyholders while AID’s Life Policy Locator reunited families with $5.32 million in lost life insurance policies or annuities. We continue to stay true to our mission of protecting Arkansas consumers by providing timely assistance and information while we efficiently regulate the insurance industry’s market behavior and financial solvency. ARKANSAS INSURANCE DEPARTMENT 2019 ANNUAL REPORT http://insurance.arkansas.gov 2 Michael Preston SECRETARY OF COMMERCE Alan McClain COMMISSIONER, ARKANSAS INSURANCE DEPARTMENT ADMINISTRATION DIVISION [email protected] • 501.371.2620 Commissioner…………………………………………Alan McClain Chief Deputy Commissioner………………….Russ Galbraith Public Information Officer…………….………Jennifer Bruce Executive Assistant……………………………….Melissa Vance The Administration Division oversees the overall operations of the Arkansas Insurance Department, establishes Department policy, handles media inquiries and security, and coordinates consumer protection and outreach activities. Each division of the Department works collectively to meet its charge of consumer protection through industry regulation. Our staff of more than 150 dedicated professionals is committed to serving Arkansas policyholders every day. Commissioner McClain and other AID staff members represent the Department at annual meetings of the National Association of Insurance Commissioners (NAIC). 2019 NAIC ASSIGNMENTS Innovation and Technology (EX) Task Force Government Relations (EX) Leadership Council Information Systems (EX1) Task Force Regulatory Framework (B) Task Force Senior Issues (B) Task Force Workers' Compensation (C) Task Force Market Regulation and Consumer Affairs (D) Committee – Vice-Chairman Antifraud (D) Task Force Producer Licensing (D) Task Force Financial Condition (E) Committee Accounting Practices and Procedures (E) Task Force Examination Oversight (E) Task Force – Vice-Chairman Receivership and Insolvency (E) Task Force Reinsurance (E) Task Force NAIC/STATE Government Liaison Committee ARKANSAS INSURANCE DEPARTMENT 2019 ANNUAL REPORT http://insurance.arkansas.gov 3 Michael Preston SECRETARY OF COMMERCE Alan McClain COMMISSIONER, ARKANSAS INSURANCE DEPARTMENT ACCOUNTING DIVISION [email protected] • 501.371.2605 Assistant Deputy Commissioner…….Mary Davis The Accounting Division collects and oversees fees and premium taxes from all insurance companies conducting business in the State of Arkansas. It also handles all purchasing and accounts payable to the Department, and develops our annual budget. The Arkansas Insurance Department is a dedicated funding agency, meaning that it derives none of its operating revenue from either premium tax collections or general revenue. The agency is funded by fees and assessments imposed on entities regulated by the Department which are deposited in the Insurance Department Trust Fund. Companies pay insurance premium taxes using the OPTins online service, which can be accessed via the Department’s website. Taxes collected by the Department are deposited in the General Revenue Fund, Arkansas Works Trust Fund, and other funds as designated by statute. FY2020 TAX COLLECTIONS FY2020 RECEIPTS Insurance Premium Tax $ 191,864,099 AID Trust Fund $ 31,856,211 AR Works Premium Tax $ 36,813,822 Premium & Other Taxes $ 294,579,576 Fire Protection Revolving Fund $ 15,158,959 Licenses & Fees $ 40,202,520 Surplus Lines Tax $ 12,836,454 Federal Funds $ 789,175 Total: $ 256,673,334 Healthcare Transparency Initiative $ 1,232,060 Total: $ 368,659,542 FY2020 FEE & OTHER COLLECTIONS FY2020 DISTRIBUTION EXPENSES License & Financial Regulation $ 31,856,211 General Revenue $ 164,827,856 Appointments/Adjusters $ 18,052,265 Gen Rev Biennium Sweep $ 19,342,511 School Revenue Premiums $ 10,350,987 Police/Fire Pension Fund $ 70,599,875 State Revenue Premiums $ 10,230,066 AR Works Trust Fund $ 36,813,822 Anti-Fraud $ 718,500 State/School Trust Fund $ 20,581,053 Pre-Paid Funeral Fees $ 307,400 DF&A/Constitutional Offices $ 18,287,240 Funeral Services Collections $ 353,776 Fire Protection Revolving Fund $ 15,158,959 Tax Filing Fee $ 234,425 Refunds $ 7,179,064 Continuing Education $ 133,742 AID Operations $ 11,822,435 Healthcare Transparency Initiative $ 1,232,060 Criminal Investigation Trust Fund $ 718,500 Pre-Paid Funeral Recovery $ 62,820 Federal Grant Operations $ 789,175 Bond Restitution Revenue $ 106,765 Criminal Investigation Operations $ 691,265 Exam Travel Reimbursement $ 60,795 Pre-Paid Funeral
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