Am I the only one who thinks it might actually be a good idea for state regulators to consider forming their own insurance company rating organization to compete with A.M. Best, Fitch, Moody’s, and Standard and Poor’s?

The idea raised by the National Association of Insurance Commissioners is in its embryonic stage, and it’s not at all clear it will ever get off the drawing board. The question for today, however, is whether this is a project worth pursuing, and if so, whether the NAIC could actually pull it off.

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