Levels 2 and 3 taught you to use AI well and to run AI-assisted workflows well. Level 4 is the master credential: it prepares you to be the person accountable for how an insurance organisation uses AI, and to answer for it to a principal, a carrier, and a state insurance department.
The course begins with governance. You will write an AI programme of the kind the NAIC model bulletin describes for insurers, scaled to an agency, brokerage, or MGA: an inventory of AI systems, a governance structure, risk management and internal controls, third-party oversight, and the records that show all of it working. You will assign accountability by role, keep a decision record for every deployment and every refusal, and read the regulatory map across the states you operate in, distinguishing what addresses insurers from what addresses producers and what is guidance from what is law.
The second and third modules go deep on the two areas where a master-level practitioner is most often tested: vendors and security. You will assess an AI vendor against the data security model law and the NAIC's developing framework for third-party data and model vendors, ask for testing evidence and understand what it can and cannot prove, and contract for feature releases, sunset, and exit. You will map AI use to the information security programme, using New York's cybersecurity regulation as the strictest benchmark, defend the agency against AI-enabled social engineering and voice cloning, and get privacy notices and AI disclosures right.
The fourth module takes on advanced applications: AI inside a life and annuity best-interest framework, MGAs and program administrators whose delegated authority makes them the decision-maker, and a method for working a multi-issue scenario end to end. The final module covers independent verification, examination readiness using the regulators' own evaluation tool as a checklist, leading adoption across a licensed workforce, and a twelve-month implementation roadmap with honest executive reporting.
The capstone is a complete AI governance programme for your organisation, built on fictional data, with a vendor assessment, a security mapping, a defended scenario, and a roadmap. The final examination is comprehensive and scenario-based, drawing on every level of the programme. This is an independent educational course offered by AI Coalition Network. It does not replace producer licensing, carrier appointments, or the laws and regulations of any state.