• DIFI is short for the Department of Insurance and Financial Institutions.

  • DIFI regulates insurance companies to comply with requirements to protect consumers and encourage economic development. We work to keep the public informed of any changes, programs, opportunities, and laws that may have an impact here in Arizona.

  • We provide information on the various types of insurance, general shopping tips, rates, and reports that can be used to assist in the decisions making process for researching and purchasing insurance.

  • We can help clarify the difference between the need for an appeal or a complaint and to whom that request should be investigated by.  For more information read Appeal Vs Complaint

  • For Property and Casualty lines of insurance other than Workers’ Compensation and Title insurance
    an "Advisory organization" means any person other than a single insurer who assists insurers or rate
    service organizations in the making of rates by compiling and furnishing loss or expense statistics or
    other statistical information and data, or by the submission of recommendations as to rates, forms or
    supplementary rate information. Advisory organization does notinclude a joint underwriting
    association, any actuarial or legal consultant, any employee of an insurer or insurers under common
    control or management or their employees or manager. ARS 20-381
    For Workers’ Compensation and Title insurance an Advisory Organization is any group, association
    or other organization of insurers, whether located within or outside this state, which assists insurers
    which make their own filings or rating organizations in rate making, by the collection and furnishing
    of loss or expense statistics, or by the submission of recommendations, but which does not make
    filings under this article, shall be known as an advisory organization. ARS 20-368

  • "Rate service organization" means any person other than a single insurer who assists insurers by
    compiling and furnishing loss or expense statistics and recommending, making or filing rates, forms
    or supplementary rate information. Rate service organization does notinclude a joint underwriting
    association, any actuarial or legal consultant, any employee of an insurer or insurers under common
    control or management, or their employees or manager. ARS 20-381

  • For Workers’ Compensation a Rating Organization receives and analyzes and interprets data (statistical
    data, past and present loss experience, catastrophe hazards, insurer expenses and other outlays) and determines a rating system (manual of risk classifications, rules and rates, and rating plan) applicable to a type of insurance. Insurers that are members of a rating organization must use the rating organization's rating system as their own except that an insurer may file a "deviation," which is either a uniform percentage increase or decrease to the rating system, or changes from the rate rule established for a classification of risk to reflect the risk profile for a more specific subcategory of risk. ARS 20-361

  • Any person who regularly engages, in whole or in part, in the practice of assembling or collecting information about natural persons for the primary purpose of providing the information to an insurance institution or insurance producer for insurance transactions, including the furnishing of consumer reports or investigative consumer reports to an insurance institution or insurance producer for use in connection with an insurance transaction or the collection of personal information from insurance institutions, insurance producers or other insurance support organizations for the purpose of detecting or preventing fraud, material misrepresentation or material nondisclosure in connection with insurance underwriting or insurance claim activity. This does not include Insurance producers, Government institutions, Insurance institutions Medical care institutions, Medical professionals. ARS 20-2102.

    Who Must Be Licensed

    An Insurance Support Organization is not required to be licensed; however, the director may examine and investigate the affairs of every insurance support organization acting on behalf of an insurance institution or insurance producer which either transacts business in this state or transacts business outside this state that has an effect on a person residing in this state in order to determine whether the insurance support organization has been or is engaged in any conduct in violation of this chapter. ARS 20-2114

    For the purpose of this chapter, an insurance support organization transacting business outside this state which has an effect on a person residing in this state is deemed to have appointed the director to accept service of process on its behalf, if the director causes a copy of the service to be mailed immediately by registered mail to the insurance support organization at its last known principal place of business. The return postcard receipt for the mailing is sufficient proof that the copy of the service was properly mailed by the director. ARS 20-2115.

     

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