statutory filing cycle

The annual rhythm of regulator-required insurer financial statements from which NAIC derives its products; publications lag the data year (hence a 2024-data-year report cycle), and the underlying statements themselves are commercially licensed even when derived reports are free.

In this catalog it appears concretely: - NAIC licensing.license — "underlying statutory data is licensed commercially".

Conventions decide whether two sources can be joined at all. Buy one side of an analysis that ignores this convention and every reconciliation step — calendar alignment, unit conversion, entity matching — lands on your team instead of the vendor's.

The failure mode is concrete: the label appears in a listing, the delivered files tell a different story, and the gap surfaces mid-project when fixing it is most expensive.

You rarely have to take a vendor's word for it. 82.4% of the 1,744 datasets Datadory catalogs are free to access, and NAIC licensing.license lets you inspect the real artifact before any budget is committed.

Treat every claim of this attribute as testable:

1. Open NAIC licensing.license and confirm its record — "underlying statutory data is licensed commercially" — against the files you actually receive.
2. Pin down update cadence in writing. Across this catalog, 22.6% of 1,744 datasets refresh daily and 64 still arrive only through a manual request form, so ask exactly how fresh each release is.
3. Check whether definitions are verified at all. Field definitions are verified for 1495 of 1,744 datasets (85.7%), and any source you license should meet that bar.
4. Price the delivery route before the license. In this catalog bulk download is the most common access method (725 datasets) ahead of official APIs (574), and 379 sources still require scraping — a maintenance cost that lands on you, not the vendor.

See the term applied to real records: multi-line-insurance data.

Adjacent concepts worth reading next: - insdata - Market Share Reports - membership gated statistics