{
  "version": "https://jsonfeed.org/version/1.1",
  "title": "The Insurance Record — Updates",
  "home_page_url": "https://theinsurancerecord.org/updates/",
  "feed_url": "https://theinsurancerecord.org/updates/feed.json",
  "description": "What changed on The Insurance Record: new Library pages, Register assessments, and public corrections.",
  "items": [
    {
      "id": "2026-09-15-5 more Library pages: disciplinary-record searches, insurer insolvency, adjuster types, annuity training/oversight, and appointment verification",
      "url": "https://theinsurancerecord.org/library/",
      "title": "5 more Library pages: disciplinary-record searches, insurer insolvency, adjuster types, annuity training/oversight, and appointment verification",
      "content_text": "How to search a state DOI's own disciplinary record and read a consent order; what actually happens if your insurer becomes insolvent, including the real state guaranty-association dollar caps and the surplus-lines gap; the three genuinely different kinds of claims adjuster and who each one represents; the training and insurer-supervision mechanics behind the annuity best-interest standard; and how to actually verify a producer's carrier appointment rather than just taking their word for it.",
      "date_published": "2026-09-15T12:00:00.000Z",
      "tags": [
        "library"
      ]
    },
    {
      "id": "2026-09-15-Does selling GAP insurance require an insurance license?",
      "url": "https://theinsurancerecord.org/library/gap-insurance-license-explained/",
      "title": "Does selling GAP insurance require an insurance license?",
      "content_text": "GAP is legally two different products through two different channels: a dealer-sold debt-cancellation waiver, exempt from producer licensing in most states under an industry-drafted GAP Alliance model act (not an NAIC model act), and a true insurance-policy endorsement that does require a licensed producer. New York applies a narrower, statute-based three-part test to the waiver channel.",
      "date_published": "2026-09-15T12:00:00.000Z",
      "tags": [
        "library"
      ]
    },
    {
      "id": "2026-09-15-8 more Library pages: data security, annuity best interest, replacement paperwork, Medicare marketing, public adjusters, commission disclosure, policy types, and California licensing",
      "url": "https://theinsurancerecord.org/library/",
      "title": "8 more Library pages: data security, annuity best interest, replacement paperwork, Medicare marketing, public adjusters, commission disclosure, policy types, and California licensing",
      "content_text": "What the NAIC's data security model law requires of an agency handling your information; the four obligations behind the 2020 annuity best-interest standard; the actual replacement-notice paperwork behind a policy swap; how Medicare Advantage and Medigap marketing rules genuinely differ; public adjusters as a distinct, separately-licensed profession; what an agent actually has to disclose about their own commission; the regulatory differences between term, whole, and universal life; and what's genuinely distinct about California's own licensing regime.",
      "date_published": "2026-09-15T12:00:00.000Z",
      "tags": [
        "library"
      ]
    },
    {
      "id": "2026-09-15-6 more Library pages: appointment, rebating, E&O, free-look, captive vs. independent, and how to complain",
      "url": "https://theinsurancerecord.org/library/",
      "title": "6 more Library pages: appointment, rebating, E&O, free-look, captive vs. independent, and how to complain",
      "content_text": "Why a carrier appointment is a separate, filed fact from a license; why anti-rebating law limits what an agent can offer you; which states actually mandate E&O insurance; how long a free-look period really runs; the legal difference between a captive agent and an independent broker; and how to file a complaint with your state's Department of Insurance.",
      "date_published": "2026-09-15T12:00:00.000Z",
      "tags": [
        "library"
      ]
    },
    {
      "id": "2026-09-15-The Register is open — zero agents/brokers assessed so far",
      "url": "https://theinsurancerecord.org/register/",
      "title": "The Register is open — zero agents/brokers assessed so far",
      "content_text": "The standard is published and vetting is starting. We're showing the honest current count (zero) rather than filling this page with placeholder claims; the first real assessments will appear here as they're completed.",
      "date_published": "2026-09-15T12:00:00.000Z",
      "tags": [
        "register"
      ]
    },
    {
      "id": "2026-09-15-3 Library pages: the foundation",
      "url": "https://theinsurancerecord.org/library/",
      "title": "3 Library pages: the foundation",
      "content_text": "How to check whether your insurance agent is actually licensed (NIPR and your state's own DOI lookup), what the NAIC Complaint Index measures and its carrier-vs-agent attribution limits, and what churning and twisting actually mean under NAIC's life/annuity replacement rules.",
      "date_published": "2026-09-15T12:00:00.000Z",
      "tags": [
        "library"
      ]
    },
    {
      "id": "2026-09-15-The Insurance Record launches",
      "url": "https://theinsurancerecord.org/standard/",
      "title": "The Insurance Record launches",
      "content_text": "A published standard for individual insurance agents and brokers, tied to state producer licensing verified through NIPR, NAIC model regulations on appointment, anti-rebating, deceptive marketing, and life/annuity replacement — plus a public Register that will report findings honestly, with no paid placements and no pay-to-list badge.",
      "date_published": "2026-09-15T12:00:00.000Z",
      "tags": [
        "meta"
      ]
    }
  ]
}