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Market Conduct Annual Statements for Life, Accident and Health and Property and Casualty

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Market Conduct Annual Statement

The Market Conduct Annual Statement (MCAS) was developed through the National Association of Insurance Commissioner (NAIC) with input from both state insurance regulators and the insurance industry. MCAS provides market regulators with information not otherwise available for their market analysis initiatives. It promotes uniform analysis by applying consistent measurements and comparisons between companies. MCAS enables companies to use this information in identifying areas where opportunities may exist for the company to improve its performance.

For more information about the MCAS, please visit:

Market Conduct Annual Statement Industry Averages

The New Hampshire statewide average ratios and charts are for informational purposes only and do not represent standards for market behavior.  This information does not establish compliance or noncompliance.  This data cannot be used in any form of company advertising or marketing.  The statewide average ratios are provided to you for comparison between your company’s performance and the aggregate market in New Hampshire.






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