No-Action Letters
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.
2024
| NAIC # | Company | Line of Insurance | Statute or Regulation | Documents |
|---|---|---|---|---|
| 21261 | Electric Insurance Company | Homeowners | 20 CSR 500-1.100 | Request Response |
2023
| NAIC # | Company | Line of Insurance | Statute or Regulation | Documents |
|---|---|---|---|---|
| 73288 | Humana Insurance Company | Health | Section 379.938 | Request Response |
2021
| NAIC # | Company | Line of Insurance | Statute or Regulation | Documents |
|---|---|---|---|---|
| 60054 | Aetna Life Insurance Company | Health | Section 376.454.4 | Request Response |
2019
| NAIC # | Company | Line of Insurance | Statute or Regulation | Documents |
|---|---|---|---|---|
| 60040 | Cox Health Systems Insurance Company | Health | Section 376.383 | Request Response |
21253 25941 18600 25968 |
Garrison Property and Casualty Company United Services Automobile Association USAA General Indemnity Company USAA Casualty Insurance Company |
Dwelling Fire | Section 379.318.4 | Request Response |
21253 25941 18600 25968 |
Garrison Property and Casualty Company United Services Automobile Association USAA General Indemnity Company USAA Casualty Insurance Company |
Renters | Section 379.318.4 | Request Response |
19100 25453 |
AMCO Insurance Company Nationwide Insurance Company of America |
Private Passenger Auto | Section 379.470 | Request Response |
2018
| NAIC # | Company | Line of Insurance | Statute or Regulation | Documents |
|---|---|---|---|---|
| 39012 | Safeco Insurance Company of Illinois | Private Passenger Automobile | Section 379.470 | Request Response |
| 60040 | Cox Health Systems Insurance Company | Health | Section 376.454 | Request Response |
25941 25968 18600 21253 |
United States Automobile Association USAA Casualty Insurance Company USAA General Indemnity Company Garrison Property and Casualty Company |
Homeowners | Section 379.318.4 | Request Response |
| 18988 | Auto-Owners Insurance Company | Homeowners | Section 379.318.4 | Request Response |