January 2020 Comments on Model 171
Summary
Dated January 8, 2020, this letter from NAIC Consumer Representatives discusses the definition of “pre-existing condition” in Model #171. The representatives propose changes to ensure the definition is clear and consumer-friendly, such as basing it on medical advice received rather than a “prudent person” standard and shortening the look-back period. They emphasize the importance of transparency and consumer protection in the underwriting process.
