What governs US insurance reserves
Every instrument that sets statutory reserves — model laws, the Valuation Manual, model regulations, actuarial guidelines, prescribed tables — organized so you can start broad and drill to the exact regulation text.
Start with a product
The fastest path to an answer: each product page compares its reserve assumptions across every regime that has governed it.
Or start from the regulation side
Regulation timeline
Every instrument since 1942 — when it governed new business, what it required, full history and sources.
VM-20 · VM-21 · VM-22
The three Valuation Manual frameworks compared assumption by assumption.
Binding authority
Why each instrument binds — state statute, commissioner regulation, or dynamic incorporation.
Document library
The official documents in one place: Valuation Manual, model laws, actuarial guidelines, valuation tables, practice notes.
What this covers — and what it doesn't
Life products (term, whole life, UL, VUL) and the two health lines that matter for valuation work, disability income and long-term care. Model-level history: what the NAIC adopted and when it governs new business. State-by-state adoption tracking is a planned future phase. Everything is cited; anything not yet verified against a primary source carries a visible "verification pending" badge rather than silent confidence.