Does Meridian replace our AI Systems Program under the bulletin?

No — your program, counsel, and regulator relationship remain yours. Meridian produces records that programs are built on.

Does this require access to policyholder data?

Meridian's spend-metering workflow is designed not to require policyholder data or PHI; connections are read-only to billing and usage sources.

We keep a spreadsheet inventory. Is that enough?

Usage-based AI changes weekly; a self-reported list goes stale. Meridian's record updates from the sources themselves and shows the delta.

Regulatory / NAIC

Meridian and the NAIC AI Model Bulletin — an evidence-backed record of your AI systems

The bulletin asks insurers a question most can't answer quickly: what AI systems are in use, and who's accountable for them? Meridian answers it from your billing and usage data — continuously, with evidence.

What it expects

As of August 2026

•A documented AI Systems (AIS) Program, commensurate with the insurer's risk
•Governance, documentation, risk-management, and oversight practices for AI systems
•Appropriate vendor oversight of relevant third-party AI systems, providers, data, and services
•Enough information to identify and govern the AI systems within the program's scope

Exact obligations vary by state adoption; quote your state's bulletin for verbatim requirements.

How Meridian supports it

Expectation	Meridian capability	Evidence artifact
Identification of AI systems in scope, including third-party	AI systems and vendors detected in connected billing and usage sources, with owner, department, workflow, and spend	Agent estate report; ledger export
Documentation and accountability	Attribution provenance — who assigned ownership, when, by what rule	Audit Evidence Export
Ongoing oversight	Continuous metering, anomaly and budget alerts, monthly reporting	Board Pack; Risk & Anomaly report
Vendor oversight	Per-vendor spend, usage, and drift across providers	Vendor detail; QBR report

Why billing-derived records hold up

A billing-derived inventory is a high-confidence view of the AI services visible in your connected billing and usage sources. It surfaces attributable and unattributed spend with evidence — and helps teams identify what sits outside it: bundled SaaS features, free tools, centrally contracted services, or unmanaged use. Unattributed spend is surfaced, not hidden — the systems nobody has claimed yet are the first thing a program should govern.

See it in your environment

Free two-week read-only assessment, or Zero-Access Assessment (file-based, no credentials).

Start your Agent Spend Assessment Zero-Access Assessment

FAQ

Does Meridian replace our AI Systems Program under the bulletin?: No — your program, counsel, and regulator relationship remain yours. Meridian produces records that programs are built on.
Does this require access to policyholder data?: Meridian's spend-metering workflow is designed not to require policyholder data or PHI; connections are read-only to billing and usage sources.
We keep a spreadsheet inventory. Is that enough?: Usage-based AI changes weekly; a self-reported list goes stale. Meridian's record updates from the sources themselves and shows the delta.