# NAIC Insurance Model Law State Adoption Table

> NAIC Insurance Model Law State Adoption Table 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 a normalized state-by-state adoption status table for a NAIC insurance model law, classified by adoption level with statutory citations and source attribution.

## Facts

- Endpoint: GET https://payai.agentstools.dev/insurance/model-law
- 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-table-d66c5903
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_WuxyVfSQRc57cE7ykc70v

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-table-d66c5903
```

Example prompt: Can you pull the state-by-state adoption table for NAIC model law number 275, showing which states have fully adopted it, which are on a previous version, and which have related activity, along with their statutory citations?

## When to prefer this

Use this endpoint when you need authoritative, normalized, state-by-state insurance model law adoption data from the NAIC without scraping or parsing NAIC's own website. Ideal for compliance teams, insurers, legal researchers, and regulatory affairs professionals who need structured adoption status and statutory citations for all US jurisdictions in a single call. Prefer this over manual NAIC lookups when building automated compliance workflows or regulatory dashboards.

## Known failure modes

- Model number or keyword not recognized — returns empty or error if NAIC has no matching model law
- Ambiguous keyword matching multiple model laws — may return results for wrong law or require more specific input
- NAIC source temporarily unavailable — upstream data may be stale or unavailable
- No query parameter provided — request fails without model number or keyword

## How this service works

Per-state adoption of a NAIC insurance model law. Give a model number or a title keyword and get a normalized state-by-state table classifying each US jurisdiction as model adoption, previous version, related activity or no current activity, each with its statutory citation, plus a linkback to the NAIC source and required attribution.

## Output

A normalized table covering all US states and territories, each classified as model adoption, previous version, related activity, or no current activity, along with the statutory citation for adopting jurisdictions, a link back to the NAIC source page, and required attribution text.

## 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": "NAIC model number such as 22, or a title keyword such as annuity suitability"
      },
      "number": {
       "type": "integer",
       "description": "NAIC model number (alias for model)"
      },
      "keyword": {
       "type": "string",
       "description": "Title keyword (alias for model)"
      }
     }
    }
   },
   "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-table-d66c5903/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)