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NYSDFS: NYSID Annual Report of the Superintendent of Insurance to The Annual Report of the Superintendent of Insurance to the New York Legislature Calendar Year 2001 Governor George E. Pataki Superintendent of Insurance Gregory V. Serio www.ins.state.ny.us The One Hundred Forty-Third Annual Report of the Superintendent of Insurance A Report to the New York State Legislature for the Year Ending December 31, 2001 George E. Pataki Gregory V. Serio Governor Superintendent of Insurance www.ins.state.ny.us Data in this report are subject to small table-to-table variations. Such variations are attributable to the fact that data are retrieved at various times throughout the year. Selected portions of this report are available on the Department’s Web site at www.ins.state.ny.us This report is printed on recycled paper. L: gen/Annrpt00/Ar-oov2 TABLE OF CONTENTS Page I. MAJOR DEVELOPMENTS A. September 11……………….….………………………………………………………..… 1 B. Superintendent Serio Appointed…………………………………………….………… 2 C. Terrorism Exclusion......……………...........................................................…........... 2 D. Healthy NY………………………………………………………………………………….. 3 E. Speed to Market……………………………………………………………..…………..… 3 F. Gramm-Leach-Bliley Act…………………………………………………………………. 3 G. Automobile……………………………………………………………………………….… 4 H. Property/Casualty (Non-Auto)..….............…………………………………...........….. 5 I. Health………….……………….………...................................................................…... 5 J. Life.........…………………......……...……………………………................................…. 6 K. Consumer Services..............................................………………......................…...... 7 L. Frauds.......…..................................................………………………………………...... 7 M. Capital Markets Bureau…………………………………..……………………………... 8 N. Liquidation Bureau…………..………………………………………….………………... 8 O. Internet Developments………………………………………………………………..…. 8 P. RESPONDING TO SEPTEMBER 11………………………………………………...….. 9 II. REVIEW OF NEW YORK STATE INSURANCE BUSINESS A. Life Bureau 1. Licensed Life Companies......................................................…............................... 17 2. Domestic Life Companies.....................................................…............................... 17 3. Organizations Under Life Bureau Supervision......………………………....…........... 17 4. Demutualization………..……………………………………………………………..…. 17 5. Licensed Fraternal Benefit Societies……………………………….………………..... 22 6. Private Retirement Systems..........................................…....................................... 23 7. Public Retirement Systems...................................................................................... 23 8. Segregated Gift Annuity Funds for Charitable Organizations.................................. 24 9. Employee Welfare Funds.........................................…............................................ 24 10. Viatical Settlement Companies............................................................................... 25 11. Examinations of Insurers Conducted………............................................................ 25 12. Auditing of Financial Statements......................................................................…... 26 13. Real Estate Review.....................................................................................…........ 26 14. Actuarial Submissions and Reviews....................................................................... 26 15. Financial Indicators................................................................................................. 27 16. Life Bureau-Albany……………………………………………………………………… 27 B. Property Bureau 1. Entities Supervised by Financial Regulation Division…..…………………............... 30 2. Property and Casualty Business..................................…........................................ 30 3. Financial Guaranty Insurance.......................……..........…..................................… 37 4. Mortgage Guaranty Insurance.......................................…...................................... 39 5. Title Insurance...................................................................…................................... 41 6. Advance Premium and Assessment Co-operatives................…............................. 42 7. Special Risk Insurers (Free Trade Zone)..................................…........................... 43 8. Risk Retention Groups.............................................................................….......…. 43 9. Examinations of Insurers ……………………...............................................…......... 44 10. Lloyd’s of London................................................................................................…. 44 11. Captive Insurance Companies.........................................................................….... 44 12. Certified Capital Companies………………………………………………………….... 45 -2- 13. Filings Involving Rate Changes, Policy Forms, etc. …………………………...…… 46 14. New York Property Insurance Underwriting Association ………..…………….…… 50 15. Medical Malpractice Insurance.……………………….……………..………….….…. 51 16. Workers’ Compensation…………………………………………………………..……. 53 17. Insurance Availability Issues……………………………………………………..…….. 54 18. Automobile Insurance Auto Unit……………………………………………………...... 55 19. Homeowners’ Insurance……………………………………………………………..…. 60 20. Market Conduct Activities………………………………………………………………. 62 21. Excess Line Insurance……….……………………………………………………..….. 65 22. Reports and Publications…………………………………………………………..…... 70 23. Regulations & Circular Letters …………………………………………………..…….. 71 24. Individual Policyholder Complaints, Inquiries & FOIL Requests……..…………...... 72 25. Casualty Actuarial Unit……………………………………………………………...…... 72 a. Private Passenger Automobile Insurance……..........................……………….... 73 b. New York Automobile Insurance Plan.....................................................…........ 78 c. Workers’ Compensation Insurance....................................................…............. 84 d. P/C Insurance Security Fund (PCISF) Net Value and Contributions………..…. 88 C. Health Bureau. 1. Entities Under Health Bureau Supervision……….……...........................…............. 89 2. Accident and Health Insurance..……………...........….......................................…... 89 3. Article 43 and Article 44 Corporations…..……….…………………………………..... 90 4. Examinations Conducted by the Health Bureau……………………………………... 93 5. Review of Accident and Health Policy Forms...................................................…... 93 6. Review of Rate Filings by the A&H Rating Section….…………………………..…... 94 7. Pre-Filings, Inquiries and Complaints………………………………..…………….….. 94 8. The External Appeal Law & Program...................................................................... 94 9. External Review in the Courts…………………………………………………………. 95 10. Market Stabilization Mechanisms………….……………………………….…………. 96 11. Health Care Reform Act of 2000 – Individual Market Reform…........................….. 97 12. Health Care Reform Act of 2000 – The Healthy NY Program………………........... 98 13. Voucher Insurance Program................................................................................... 101 14. Child Health Plus……………………………………………………………………..…. 102 15. Utilization Review Reports....................………………………………….…………… 102 16. Electronic Imaging …….………………………………………………………………... 102 17. Medicare+ Choice Terminations…………………………………............................... 102 18. Continuing Care Retirement Communities………………………………………….… 102 19. Long-Term Care Insurance ……………………………...................….……………... 103 20. Medicare Supplement Insurance………………………………………………………. 104 21. Specified Disease Coverage…………………………………………………………… 104 22. Health Insurance Bills ………………………………………………………..………… 104 23. Federal Initiatives……………………………………………………………………..…. 105 24 First Interactive Health Consumer Guide Issued…………………………………….. 106 D. Consumer Services Bureau 1. Consumer Complaints……………………………………………………………..….… 107 2. Prompt Payment Statute……………………………………………………………..…. 108 3. External Review………………………………………………………………………….. 108 4. Reorganization of Consumer Services and Licensing Services Bureaus………..... 109 5. Other Bureau Activities………………………………………………………….………. 109 E. Insurance Frauds Bureau……………………………………………………………….. 113 F. Liquidation Bureau…………………………………………………………..…………… 120 G. Systems Bureau…………………………………………………………………………… 121 H. Capital Markets Bureau…………………………………………………………………... 124 I. Motor Vehicle Accident Indemnification Corporation……………………………… 127 -3- III. INSURANCE LEGISLATION ENACTED……………………………………………………. 132 IV. REGULATIONS PROMULGATED OR REPEALED………………………………………. 137 V. CIRCULAR LETTERS ISSUED………………………………………………………………. 149 VI. MAJOR LITIGATION………………………………………………………………………….. 153 VII. 2001 LEGISLATIVE RECOMMENDATIONS……………………………………………….. 156 VIII. REGULATORY ACTIVITIES A. Operating Statistics……………………………………….…………………………….… 160 1. Licenses Issued During Year….………………………………………………...……… 160 2. Results of Examinations for Licenses……………………………………………..…... 162 3. Changes in Authorized Insurers……………………………………………………...… 163 4. Examination Reports Filed………………………………………………...……………. 172 5. Rehabilitations, Liquidations, etc……………………………………………………….. 176 6. Insurance Department Receipts and Expenditures…………………...……………... 179 7. Security Funds Income and Disbursements………...………………………………... 182 B. DEPARTMENT STAFFING………………………………………………………………... 185 C. PUBLICATIONS…………………………………………………………………………….. 186 TABLES Table Number/Title Page Life Bureau 1. Admitted Assets, Life Companies, Selected Years………….................................….
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