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Generally, all 50 United States’ state insurance regulators (and Puerto Rico) supervise the introduction of changes to insurance policy forms by requiring carriers or their representative advisory organizations, such as the Insurance Services Office, Inc. (“ISO”) and the American Association of Insurance Services (“AAIS”), to first file those new forms with the state’s insurance department.  Prior to marketing new policy forms to the public, insurance companies must first obtain regulatory approval on a state-by-state basis.

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