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ARTICLE · 17 OCTOBER 2023

Colorado Releases Draft Regulation On AI Testing For Life Insurers

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On September 27, 2023, the Colorado Division of Insurance ("DOI") released a draft proposed regulation on Quantitative Testing of External Consumer Data and Information Sources, Algorithms, and Predictive Models Used for Life Insurance Underwriting for Unfairly Discriminatory Outcomes.

United StatesInsurance
Lawrence Hamilton
Lawrence Hamilton
Vikram Sidhu
Vikram Sidhu
Yuliya Feldman
Yuliya Feldman
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On September 27, 2023, the Colorado Division of Insurance ("DOI") released a draft proposed regulation on Quantitative Testing of External Consumer Data and Information Sources, Algorithms, and Predictive Models Used for Life Insurance Underwriting for Unfairly Discriminatory Outcomes ("Draft Testing Regulation"). Comments on the Draft Testing Regulation can be submitted to the DOI until October 26.

The Draft Testing Regulation is part of the broader DOI effort to develop regulations under a bill enacted by the Colorado legislature in 2021 (SB 21-169), which addresses unfair discrimination on the basis of race, color, national or ethnic origin, religion, sex, sexual orientation, disability, gender identity, or gender expression in the use by insurers of external consumer data and information sources ("ECDIS") or algorithms or predictive models that use ECDIS. The Draft Testing Regulation follows on the heels of the DOI's September 21 adoption of Regulation

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