Missouri law authorizes the Department to issue no-action letters to insurance companies related to matters arising out of the business of insurance in Missouri. A no-action letter is only binding as to the specific underwriting company submitting the request and is based upon the specific facts and circumstances presented. Under Missouri law, a no-action letter is not considered a statement of general applicability that would require promulgation by rule.

For more information about no-action letters, including definitions and other requirements, please see Section 374.018 RSMo.

Pursuant to Section 374.018.13 RSMo., insurance company requests for a no-action letter, the Department’s response and all supporting information that is not proprietary or trade secret are considered a public record as of the date of the Department’s response.

Below are requests for no-action letters and responses issued by the Department.


NAIC # Company Line of Insurance Statute or Regulation Documents
47171 Blue Cross Blue Shield of Kansas City Health Section 376.454 Request