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The National Association of Insurance Commissioners ( NAIC ) develops model laws and regulations that ( Search Chapter 5 ) . a . all states

The National Association of Insurance Commissioners

(

NAIC

)

develops model laws and regulations that

(

Search Chapter

5) .

.

all states have adopted without modification.

.

individual states may adopt or adapt.

.

individual states must adopt.

.

individual states must comply with.

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