# NAIC Insurance Model Law State Adoption Lookup

> NAIC Insurance Model Law State Adoption Lookup is a paid API for AI agents from payai.agentstools.dev, paid per call via x402, $0.03/call, status unknown (last checked 2026-09-14).

Returns which NAIC insurance model laws a given US state has adopted, including classification, citation, and source link for each adopted model.

## Facts

- Endpoint: GET https://payai.agentstools.dev/insurance/state-adoption
- Price: $0.03/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-14
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/naic-insurance-model-law-state-adoption-lookup-28a03543
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_7UKDfc-om20XxAC0zHFHQ

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability naic-insurance-model-law-state-adoption-lookup-28a03543
```

Example prompt: Which NAIC insurance model laws has California adopted? I'm especially interested in any related to data security or privacy — show me the classification and citation for each.

## When to prefer this

Use this endpoint when you need to look up which NAIC model insurance laws a specific US state has formally adopted, along with authoritative citations and source links. It is the right choice for insurance compliance research, regulatory gap analysis, or verifying whether a jurisdiction follows a particular NAIC model standard. Prefer this over generic legal databases when you need structured, pre-parsed NAIC adoption data with classifications rather than raw statutory text.

## Known failure modes

- Unknown or misspelled state name returns an error or empty result
- Model number not found for the given state returns an empty adoption list
- Invalid model number format causes a parameter error
- Topic keyword too broad or ambiguous returns unfiltered or unexpected results
- NAIC source corpus may be out of date relative to recent state legislative changes
- Territories or non-standard jurisdictions may have incomplete data

## How this service works

Which NAIC insurance model laws a given state has adopted, inverted from the NAIC state-page corpus. Give a state (name or code) and an optional model or topic filter and get the models it has adopted with each classification, citation and linkback.

## Output

A structured list of NAIC model laws adopted by the specified state, each entry including the model name or number, its NAIC classification category, the legal citation (statute or regulation reference), and a linkback to the source NAIC state-page entry. Results can be filtered by model number or topic keyword.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "$schema": "https://json-schema.org/draft/2020-12/schema",
 "required": [
  "input"
 ],
 "properties": {
  "input": {
   "type": "object",
   "required": [
    "type",
    "method"
   ],
   "properties": {
    "type": {
     "type": "string",
     "const": "http"
    },
    "method": {
     "enum": [
      "GET",
      "HEAD",
      "DELETE"
     ],
     "type": "string"
    },
    "queryParams": {
     "type": "object",
     "required": [],
     "properties": {
      "model": {
       "type": "string",
       "description": "Optional NAIC model number(s) to check, comma separated"
      },
      "state": {
       "type": "string",
       "description": "US state or territory name or 2-letter code, such as California or CA"
      },
      "topic": {
       "type": "string",
       "description": "Optional keyword to filter the models scanned"
      }
     }
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string"
    },
    "example": {
     "type": "object"
    }
   }
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/naic-insurance-model-law-state-adoption-lookup-28a03543/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from payai.agentstools.dev](https://www.zero.xyz/host/payai.agentstools.dev/llms.txt)